Western Capital business loans
Western Capital is on Recur Club's lender panel, writing purchase invoice discounting, secured term loan, working capital demand loan.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- pan-India
- positive sector: Financial Services
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
9 more ▾ ▴
- DSCR ≥1
- Deal: rate 14–18%
- ticket ₹2–15cr
- tenure 12–30mo
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1), Escrow Of Cashflows (×1), 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1)
- Security asked in : 1st/pari-passu charge on current assets (×2), Personal Guarantee Of Promoters/Directors (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters / Directors / Property Owner (×3), Corporate Guarantee (×1)
What Western Capital lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure |
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Also offered, with no terms observed yet: Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What borrowers ask about Western Capital
- What does Western Capital lend?
- Western Capital writes purchase invoice discounting, secured term loan, working capital demand loan.
- What are Western Capital's eligibility criteria?
- The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.
- What security does Western Capital ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%).
- How do I apply to Western Capital?
- You do not apply to Western Capital directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Western Capital's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Western Capital 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 Western Capital screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Western Capital
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Western Capital is the right lender for you
A few questions. Recur Market scores you against Western Capital and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
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 Western Capital's current policy. Terms are set by the lender at the time of sanction.