Working Capital Demand Loan (WCDL)

Access up to ₹100 Crore in working capital demand loans with fast approvals and flexible terms.

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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 Working Capital Demand Loan?

Unplanned expenses disrupting cash flow

Get immediate access to short-term capital to cover payroll, vendors, or urgent needs, without waiting weeks.

Lack of Flexibility in Loan Usage and Repayment

Choose repayment terms that suit your cash flow needs with no rigid schedules.

Delays in Sanctioning or Disbursing Loans

Receive offers within 72 hours and deploy capital when you need it most.

Limited Options from Single Lenders

Compare proposals from 150+ lenders in one place, all tailored to your unique working capital requirements.

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Recur Club vs Traditional WCDL

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

Feature
Working Capital Demand Loan
Other Platforms
Speed
✔ Approval & disbursement within 72 hours
❌ 2-6 weeks, manual paperwork
Amount
✔ Up to 100 crores
❌ Lower funding limits
Loan Flexibility
✔ Flexible amounts and repayment aligned with cash flow
❌ Fixed amounts and repayment schedules
Pricing
✔ Clear flat fees with transparent breakdowns
❌ Complex fees and hidden charges
Lender Access
✔ Platform aggregates offers from 150+ lenders
❌ Borrowers negotiate individually with lenders
Application Process
✔ Fully digital, single submission
❌ Multiple documents and in-person visits
Support
✔ Personalized advisory with capital experts
❌ Limited support, mostly transactional

How to Apply for a Working Capital Demand Loan?

Step 1: Upload

Upload your business documents and financial data securely on our platform.

Step 2: Evaluate

Our experts review your information quickly to assess your eligibility.

Step 3: Offers

Receive multiple customised loan offers from 150+ lenders.

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Step 4: Disbursement

Select 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 > ₹40 Cr
  • ✔ Mandatory GST Registration
  • ✔ Operational Runway > 6 Months
  • ✔ Business Vintage > 1 year

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 designed for quick and flexible Working Capital Demand Loans, ideal for businesses with dynamic cash flow needs across sectors like manufacturing, FMCG, services, and trading.

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 Working Capital Demand Loan?

How does a Working Capital Demand Loan work?

Can I use Working Capital Demand Loan funds for inventory purchase and payroll?

What makes Recur Club’s WCDL different from traditional bank loans?

Can businesses in seasonal industries benefit from WCDL on Recur Club?

What’s the difference between a WCDL and a regular working capital loan?

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