Finance Pharma API Procurement - Without Giving Up Equity
One application. 125+ lenders compete to fund you. Keep 100% of your equity.
Estimate My Funding
No commitments, no fees.
Trusted by India's Fastest-Growing Companies
You pay for APIs upfront, then wait months to get paid for the finished product
Active pharmaceutical ingredients and key raw materials must be paid for upfront, often to overseas suppliers demanding advance payment, while your finished formulations sell to distributors on 60-90 day credit. The gap between paying for APIs and getting paid ties up crores.
Buying in bulk locks in better pricing and secures supply, but it deepens the cash gap. Under-buy and you risk stockouts and lost batches; over-buy and your working capital is frozen in inventory.
₹3,000 Cr+ deployed
across 2,000+ companies
Why debt fits API procurement
Equity is too costly for a procurement cycle
API procurement is a recurring, self-liquidating cycle. Diluting equity to cover raw material buys is permanent capital for a temporary need.
Banks can't match supplier cut-offs
Bank sanctions arrive weeks later - long after your API supplier's advance-payment deadline has passed and pricing has moved.
Recur Club funds ahead of the buy
One application, 125+ lenders competing, collateral-free options, and a termsheet in 48 hours to fund procurement on time.
Size your raw material procurement line
Estimate the capital tied up between paying suppliers and getting paid - and the line that covers it.
Capital tied up in materials
~₹3 Cr
90 days between paying suppliers and collecting sales
Indicative procurement line
Up to ₹3.6 Cr
Collateral-free options available
Recommended: Working Capital Loans
How it works
Apply in minutes
Share revenue, GST, banking data, and your procurement plan in one simple application. No branch visits.
Get matched & compare
125+ lenders compete to fund your API buys with an indicative termsheet sized to your cycle.
Money in the bank
Accept the terms that fit, complete digital documentation, and pay suppliers ahead of the cut-off.
Which product fits this need
Sectors that use this most
Backed by 125+ lending partners
One application. Access to India's leading banks, NBFCs, and funds.
Are you eligible?
If you tick these boxes, you can have an indicative termsheet in your inbox within 48 hours.
Check my fundingFrequently Asked Questions
Secure your API supply without freezing cash
Estimate your procurement line in minutes. One application, 125+ lenders, zero equity dilution.