Refinance High-Cost Debt - 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
Old debt is eating margins you should be reinvesting
You raised capital when you had to, not when it was cheap - short tenures, high rates, rigid EMIs, and personal guarantees stacked across three or four facilities. Now a big slice of every month's cash goes straight to servicing costly debt.
The interest bleed and mismatched repayment schedules cap your growth. You want one clean, right-priced facility that frees up cash - not another equity round to pay down loans.
₹3,000 Cr+ deployed
across 2,000+ companies
Why refinancing beats raising equity
Equity to repay debt is the worst trade
Diluting permanent ownership to clear a short-term liability destroys value. Refinancing swaps expensive debt for cheaper debt and keeps your cap table intact.
Banks are slow and won't consolidate
A single bank rarely refinances facilities from multiple lenders, wants fresh collateral, and takes weeks - by then your interest clock keeps ticking.
Recur Club re-prices your stack fast
One application, 125+ lenders competing on rate and tenure, collateral-free options, and a termsheet in 48 hours to consolidate and lower your cost of capital.
How much cash is stuck in your receivables?
See the cash locked in your payment cycle - and the funding line that frees it.
Cash stuck in receivables
~₹4 Cr
60 days of revenue waiting to be collected
Indicative working capital line
Up to ₹4.8 Cr
Collateral-free options available
Recommended: Unsecured Business Loans
How it works
Share your existing facilities
Send revenue, GST, banking data, and your current loan schedule in one application. No branch visits.
Get matched & compare rates
125+ lenders compete to re-price your debt. You get an indicative termsheet with a lower blended cost.
Consolidate and save
Accept the terms that fit, complete digital documentation, and use the funds to clear high-cost debt.
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
Stop overpaying on debt you took out of urgency
Estimate your refinanced facility in minutes. One application, 125+ lenders, zero equity dilution.