# Western Capital business loans

> Western Capital is on Recur Club's lender panel, writing purchase invoice discounting, secured term loan, working capital demand loan.

Source: https://www.recurclub.com/lenders/western-capital
Last updated: 2026-10-20

Also offered, with no terms observed yet: Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · pan-India · positive sector: Financial Services
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · 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)

## Common questions

### 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.

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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 Western Capital's current policy.