Question 1

What is Recur Club?

Accepted Answer

Recur Club is India's largest AI-native debt platform for startups and SMEs. We help growing businesses access non-dilutive debt financing from ₹50 Lakhs to ₹250 Crores through our network of 100+ capital partners.

Question 2

How is Recur Club different from a bank?

Accepted Answer

Unlike traditional banks, we use AI-powered credit assessment (AICA) to evaluate your business holistically — looking at revenue patterns, growth trajectory, unit economics, and market positioning. This means faster decisions (48 hours vs weeks), less paperwork, and more flexible terms tailored to startup needs.

Question 3

Who can apply for funding through Recur Club?

Accepted Answer

Any registered Indian company (Private Limited or LLP) with at least ₹50 Lakhs in annual revenue can apply. We serve startups, SMEs, D2C brands, SaaS companies, and other growing businesses across sectors.

Question 4

Is there any equity dilution?

Accepted Answer

No. All financing through Recur Club is debt-based, meaning you retain 100% ownership of your company. We never take equity or board seats.

Question 5

What is Recur Swift?

Accepted Answer

Recur Swift is our fast-track financing product for amounts up to ₹10 Crores. It includes Recurring Revenue Financing and Working Capital Financing, with approval in as fast as 48 hours and minimal documentation.

Question 6

What is Recur Scale?

Accepted Answer

Recur Scale is designed for larger financing needs from ₹5 Crores to ₹250 Crores. It includes secured term loans, venture debt, invoice financing, lease financing, and structured debt products.

Question 7

What types of financing do you offer?

Accepted Answer

We offer a comprehensive range: Recurring Revenue Financing, Working Capital Financing, Secured Term Loans, Venture Debt, Invoice Financing, Lease Financing, and Structured Debt. Each product is tailored to different business needs and growth stages.

Question 8

What interest rates can I expect?

Accepted Answer

Interest rates vary based on your business profile, revenue, growth rate, and the type of financing. Rates typically start from 10% p.a. for well-qualifying businesses. Our AI assessment ensures you get the most competitive rate from our 100+ capital partners.

Question 9

How long does the approval process take?

Accepted Answer

For Recur Swift products, approval can happen in as fast as 48 hours. For Recur Scale products involving larger amounts, the process typically takes 1-2 weeks depending on the complexity of the deal.

Question 10

What documents do I need?

Accepted Answer

Basic requirements include: Company registration documents, last 12 months of bank statements, financial statements (P&L, Balance Sheet), GST returns, and a brief about your business. Our AI assessment reduces the documentation burden compared to traditional lenders.

Question 11

How does AICA credit assessment work?

Accepted Answer

AICA (AI Credit Assessment) analyzes hundreds of data points including revenue patterns, growth trajectories, unit economics, burn rate, market positioning, and competitive landscape. It provides a comprehensive credit score that helps us match you with the right capital partners at the best terms.

Question 12

Can I apply if I've been rejected by banks?

Accepted Answer

Yes. Our AI-based assessment looks at your business differently than traditional banks. Many businesses that don't fit conventional banking criteria are well-suited for our financing products.

Question 13

What are the repayment terms?

Accepted Answer

Repayment terms vary by product: Working capital financing typically has 6-18 month terms, term loans have 12-48 month terms, and invoice financing has 30-90 day terms. We offer both EMI-based and revenue-based repayment options.

Question 14

Can I prepay my loan?

Accepted Answer

Yes, most of our financing products allow prepayment. Some may have a minimal prepayment fee depending on the capital partner and product type. Contact us for specific details.

Question 15

What happens if I miss a payment?

Accepted Answer

We work with you proactively. If you anticipate difficulty with payments, reach out to your relationship manager early. We can often restructure payment schedules to accommodate temporary business challenges.

Frequently Asked Questions

General

Products

Process

Repayment

Still have questions?

Frequently Asked Questions

General

What is Recur Club?+

How is Recur Club different from a bank?+

Who can apply for funding through Recur Club?+

Is there any equity dilution?+

Products

What is Recur Swift?+

What is Recur Scale?+

What types of financing do you offer?+

What interest rates can I expect?+

Process

How long does the approval process take?+

What documents do I need?+

How does AICA credit assessment work?+

Can I apply if I've been rejected by banks?+

Repayment

What are the repayment terms?+

Can I prepay my loan?+

What happens if I miss a payment?+

Still have questions?