Advisory-led. AI-powered. Non-dilutive.
No commitments, no fees.
From early revenue to massive scale, our AI models structure the optimal debt facility for your specific needs.
Our streamlined process gets you funded faster than any traditional lender.
Create your account and securely connect your financial data. Our AI starts analyzing immediately.
Our platform matches you with the best lenders from our network of 100+ partners based on your profile.
Get funded in as little as 48 hours. Capital hits your account with flexible repayment terms.
Debt financing lets you raise capital without giving up equity. But not every business is at the right stage. Here's how to assess your readiness for non-dilutive capital.
Stable monthly revenue of ₹10 Lakh+ with low churn signals reliable repayment capacity to lenders.
A ratio below 1.0 is preferred. Companies with lower leverage get better rates and larger facilities.
Most lenders prefer 12+ months of operational history. Having GST filings and audited financials strengthens your case.
Lenders look for 6–18 months of runway post-debt. This ensures you can repay without distress.
Common questions founders ask before raising debt.
Non-dilutive funding is any form of capital that does not require you to give up equity or ownership in your company. Unlike venture capital, where investors receive shares in exchange for money, non-dilutive instruments — such as revenue-based financing, venture debt, term loans, and invoice discounting — let founders retain full control. The capital is repaid over time through fixed or flexible payments rather than ownership stakes.
Revenue-based financing (RBF) provides upfront capital in exchange for a fixed percentage of your future monthly revenue until a predetermined amount is repaid, typically 1.3×–2× the original sum. Payments flex with your earnings: higher revenue months mean faster repayment, while slower months reduce your obligation. This makes RBF well suited for SaaS, D2C, and subscription-based businesses with recurring revenue between ₹1 Crore and ₹50 Crore annually.
Venture debt is designed specifically for VC-backed startups, typically sized at 20–40% of the most recent equity round. Unlike traditional bank loans, it doesn't require real-estate collateral or years of profitability — instead, lenders underwrite the quality of your investors, growth trajectory, and runway. Tenure is shorter (12–36 months), interest rates are higher (12–16%), and warrants of 0.1–0.5% equity are sometimes included.
Most lenders require your last 12 months of bank statements, GST returns, audited financial statements (P&L and balance sheet), your company's CIN, and a brief on how you plan to use the funds. At Recur Club, our AI engine AICA automates much of this analysis — once you connect your financial data, we generate your credit profile and match you with the right lenders within 48 hours.
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AI-powered Credit Analysis evaluates your business across 200+ parameters in real-time. Receive a credit score, peer benchmarking, and actionable insights.
AICA processes your financial data to generate a detailed credit assessment that lenders trust, speeding up the entire funding process.
Explore AICAFounded by Eklavya Gupta, Recur Club has deployed over ₹3,000 Crore in non-dilutive capital to Indian startups and SMEs since its inception.
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