Cash Credit and Overdraft (CCOD)

Access up to ₹100 Cr through Cash Credit & Overdraft (CCOD) - pay interest only on what you use and keep your business agile.

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750+
Startups Trust Us
₹2500 Cr+
Total Capital Funded
150+
Lenders on the Platform

Trusted by Marquee Lenders & Partners

Our Offerings

We offer customized financing solutions, enabling companies to raise debt capital with guidance from a dedicated capital expert at every step.

Cash Credit and Overdraft

Our CCOD solutions offer up to ₹100 crore in instant funding and flexible usage, driving uninterrupted growth and operational efficiency.

Quick Access to Funds

Get approval and disbursal in as little as 48 hours.

Interest Only on What You Use

Charged only on the amount used, not the total limit.

Backed by Current Assets

Secure funding against receivables, inventory, or other current assets.

150+ Lending Options

Connect easily with the most appropriate lender for your company.

Our Offerings

We offer customized financing solutions, enabling companies to raise debt capital with guidance from a dedicated capital expert at every step.

Recur Club vs Traditional Invoice Financing.

See how Recur Club stacks up against banks and NBFCs throughout your fundraising journey.

Financing Experience
Recur Club
Other Platforms
Speed of Funding
How quickly can you access funds?
Funds in as little as 72 hours after approval
Typically takes 2–4 weeks with paperwork and approvals
Flexible Funding
Are credit lines flexible?
Flexible, based on your revenue
Fixed credit lines
Pricing
Are fees and charges transparent?
Transparent fees
Hidden fees and higher interest rates
Client Relationship
Who manages collections?
No impact on client relationship
Lender manages collections
Expert Capital Advisory
Do you get personalized advice?
Dedicated advisor for the best deal
No personalized advice

How Purchase Invoice Discounting Works?

Step 2: Submit Business Details

Sync your financial software and GST to receive offers.

Step 3: Unlock Capital

Get loan offers from 150+ lenders within 48 hours.

Step 1: Sign Up

Create your account with Recur Club and enter basic business details.

Our Offerings

We offer customized financing solutions, enabling companies to raise debt capital with guidance from a dedicated capital expert at every step.

Eligibility Criteria & Docs Required

Fee Type Amount / Rate Details
Interest Rate Starting at 1.2%/month Based on eligibility
Processing Fee Up to 2% One-time fee on disbursal
Prepayment Fee Zero No charges for early payment
No hidden charges. All terms explained upfront.

Eligibility Criteria

  • Annual Revenue > ₹5 Crores
  • Mandatory GST Registration
  • Business Vintage > 1 year
  • Operational Runway > 3 Months

Documents Required

  • 📄 PAN and Aadhaar: For business and owners
  • 📄 GST Returns: For the last 12 months
  • 📄 Audited Financial Statements: Last year’s financial audit
  • 📄 Bank Statements: Last 6 months
Our platform is built for fast supplier invoice financing, especially for vendor-heavy businesses with trade payables across FMCG, manufacturing, and services sectors.

Success Stories

Technodysis: 3X Revenue Growth

AI and software startup Technodysis secured ₹10 crore, increasing revenue from ₹6 lakh in FY 2021 to ₹20.25 crore in FY 2024, with a ₹35 crore projection for FY 2025.

Girish Narbolikar
Head of Finance, Technodysis

Wellversed: 2X Revenue in 12 Months
Wellversed secured ₹6.5 crores, doubled revenue in a year, and boosted EBITDA by 63%, reflecting strong growth and improved efficiency.

Aanan Khurma
Co-Founder & CEO, Wellversed

MoveInSync: 240% Growth in 10 Months
MoveInSync secured funding from Recur Club, driving 240% business growth. The capital fueled expansion and enhanced service offerings.

Deepesh Agarwal
Founder, MoveInSync

WeVOIS: 2.7X Revenue Growth in 2 Years
WeVOIS secured ₹7.3 crores, surged revenue by 2.7x in two years, and improved EBITDA by 5%, along with expanding to 6 new cities.

Abhishek Gupta
Founder, WeVOIS

Frequently Asked Questions

Who is eligible for a working capital loan?

Is collateral required to secure a working capital loan?

Is a working capital loan considered debt?

What type of companies are eligible for a working capital loan?

How can I apply for a working capital loan with Recur Club?

What is CCOD in banking?

How does a CCOD facility work?

Who can apply for a CCOD facility?

Is CCOD better than a business loan?

What is the difference between cash credit and overdraft?

What’s the ideal use case for a CCOD facility?

Talk to an Expert