# Xtracap Fintech business loans

Source: https://www.recurclub.com/lenders/xtracap-fintech
Last updated: 2026-10-20

## Eligibility

### Screening gates and observed behaviour

- 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 · 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%

## Common questions

### 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.

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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 Xtracap Fintech's current policy.