Term Loan

Secure up to ₹100 Cr in term loans through Recur Club. Scale on your terms with flexible repayment.

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

Trusted by Marquee Lenders & Partners

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Why Term Loan?

Need Capital to Scale or Expand

Access up to ₹100 Cr in funding to invest in growth, expansion, or infrastructure upgrades.

Slow loan approvals

Get tailored offers and disbursal in as little as 72 hours.

Limited lender options

Compare multiple offers from India's top lenders on a single platform — no negotiation needed.

Rigid repayment schedules

Choose repayment terms that align with your business cash flow and runway.

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Recur Club vs Traditional Bank Term Loan

Compare how Recur Club performs against banks and NBFCs at every stage of your fundraising journey.

Feature
Term Loan
Traditional Bank Term Loan
Approval Time
✔ Within 72 hours
❌ Weeks to months
Loan Flexibility
✔ Flexible repayment and amount
❌ Fixed schedules and limits
Collateral
✔ No collateral up to ₹10 crore
❌ Tangible assets or personal guarantee
Funding Limit
✔ Up to ₹100 crores
❌ 30-70% of asset value
Interest Pricing
✔ Transparent flat fees, full cost breakdown
❌ Complex fee structure, hidden charges
Lender Access
✔ 150+ lenders on one platform
❌ Single lender negotiation
Onboarding
✔ Fully digital process
❌ Manual paperwork and branch visits
Support
✔ Dedicated capital experts at your service
❌ Generic call centre help

How Term Loan Works at Recur Club?

Step 1: Upload

Upload your business documents and financial data securely.

Step 2: Evaluate

Our experts quickly assess your eligibility and business health.

Step 3: Offers

Receive customised loan offers from 150+ lenders suited to your needs.

Step 4: Disbursement

Choose the best offer and get funds transferred directly to your account.

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Eligibility Criteria & Documents 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 Cr
  • ✔ 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
  • 📄 Supplier Invoices: Verified and approved invoices for discounting

Our platform is built for high-value term loans of up to ₹100 Crore, ideal for businesses investing in expansion, infrastructure, or long-term growth across sectors like SaaS, manufacturing, and services.

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

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

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

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

Xoxoday: 20% Revenue Growth
Xoxoday secured strategic funding from Recur Club, driving 20% revenue growth. The capital enabled the company to strengthen its tech infrastructure and operational efficiency.

Sumit Khandelwal
Co-Founder & CEO, Xoxoday

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 a term loan?

Who can apply for a term loan?

What are the benefits of a term loan?

How long is the repayment tenure for term loans?

Is collateral required for a term loan?

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