Xtracap Fintech business loans
- ✓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
- age ≥2y
- pan-India
- sector-agnostic (34 sectors — full list in data JSON)
- Private Limited, Public, Sole proprietorship
- Financials: minimum annualrevenuegrowthrate: 10
9 more ▾ ▴
- exisiting debt: 30
- rev ≥₹200cr (distributor financing)
- rev ≥₹100cr (purchase invoice discounting)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹5cr
- debt/networth ≤4
- DSCR ≥1
- Security: FD margin 10–15%
What borrowers ask about Xtracap Fintech
- What are Xtracap Fintech'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.
- How do I apply to Xtracap Fintech?
- You do not apply to Xtracap Fintech directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Xtracap Fintech's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Xtracap Fintech 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 Xtracap Fintech 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 Xtracap Fintech
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
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 Xtracap Fintech is the right lender for you
A few questions. Recur Market scores you against Xtracap Fintech 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 Xtracap Fintech's current policy. Terms are set by the lender at the time of sanction.