# Vpinnacle Finxpert business loans

> Vpinnacle Finxpert is on Recur Club's lender panel, writing overdraft / cash credit.

Source: https://www.recurclub.com/lenders/vpinnacle-finxpert
Last updated: 2026-10-20

Also offered, with no terms observed yet: Overdraft / Cash Credit.

## Eligibility

### Screening gates and observed behaviour

- Financials: maximum tradereceivables: 150 · rev ≥₹10cr · debt/EBITDA ≤6 · networth ≥₹1cr · maximum tradepayables: 120 · debt/networth ≤3 · DSCR ≥1.2 · maximum workingcapitalgap: 120
- Security (observed): 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 20–30% (100%)
- Security asked in 2026: 1st charge on immovable assets (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1), FD margin 20–30% (×1)

## Common questions

### What does Vpinnacle Finxpert lend?

Vpinnacle Finxpert writes overdraft / cash credit.

### What security does Vpinnacle Finxpert ask for?

Observed across sanctions: 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 20–30% (100%).

### How do I apply to Vpinnacle Finxpert?

You do not apply to Vpinnacle Finxpert directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Vpinnacle Finxpert's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.

### Is Vpinnacle Finxpert the right lender for my business?

It depends on which product you need, your sector and how your last two years of financials read. The credit box on this page is what Vpinnacle Finxpert screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

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Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Vpinnacle Finxpert's current policy.