Who is eligible for a working capital loan?

SMEs with at least 6 months of business operations, regular revenue, and GST registration are typically eligible. Minimum revenue requirements vary by lender.

Is collateral required to secure a working capital loan?

No, Recur Club specializes in unsecured working capital loans. Your business cash flows and revenue performance are the primary criteria.

Is a working capital loan considered debt?

Yes, it is a form of short-term debt financing. However, it is non-dilutive, meaning you retain full ownership of your business.

What type of companies are eligible?

Pvt Ltd companies, LLPs, and partnership firms with regular GST filings and bank statements can apply.

How can I apply with Recur Club?

Simply sign up on our platform, connect your financial data, and receive a customized term sheet within 48 hours.

Apply for SME Working Capital Loan in India

Whether you're expanding operations, managing cash flow cycles, or stocking up inventory, Recur helps SMEs secure flexible and transparent working capital loans without giving up ownership.

Connect with Us

Apply for SME Working Capital Loan in India

Trusted by Growing Companies

Simple and Flexible SME Working Capital Financing

Our platform gives SMEs a faster, more transparent way to raise capital based on business performance, not assets.

Smart Credit Matching

Recur analyzes your financials and connects you with lenders who understand your industry, size, and growth stage.

Fast Access to Capital

Eliminate weeks of paperwork. Get capital term sheets within 48 hours and disbursement in days, not months.

No Collateral Needed

Unsecured working capital loans based on your revenue and cash flows. No property or assets required.

How It Works

Sign Up

Create your account and enter basic business details.

Submit Business Information

Sync your financial software and GST data for instant analysis.

Unlock Capital Term Sheet

Get a customized loan capital offer within 48 hours for your business.

Use Cases

Managing Cash Flow Gaps

Ensure smooth operations by covering payroll, supplier payments, and other short-term expenses.

Emergency Expenses

Cover unexpected costs ensuring business operations continue smoothly without disruptions.

Inventory Management

Purchase raw materials or stock inventory to meet increasing customer demand.

Seasonal Business Needs

Ensure smooth cash flow during off-seasons, allowing businesses to stay operational throughout the year.

What Our Founders Say

Technodysis: 3X Revenue Growth

AI and software startup secured ₹10 crore, increasing revenue from ₹6 lakh in FY 2021 to ₹20.25 crore in FY 2024.

Meera Joshi

Investment Partner, Technodysis

MoveInSync: 240% Growth in 10 Months

Secured funding from Recur Club, driving 240% business growth and enhanced service offerings.

Arjun Singh

CFO, MoveInSync

Wellversed: 2X Revenue in 12 Months

Health brand secured ₹6.5 crore, expanded products, and doubled revenue in a year.

Vikram Malhotra

Managing Director, Wellversed

Frequently Asked Questions

Get Your Working Capital Loan Today

Flexible funding for growing SMEs — scale faster with access to up to ₹10 Crore.

Apply Now Estimate Your Funding