Larger debt, structured for scale.
From ₹5 Crores to ₹250 Crores. Secured term loans, venture debt, invoice financing, and more — all powered by AI-driven underwriting.
Our Products
Secured Term Loans
Long-tenure loans backed by assets or revenue contracts, ideal for capex and expansion.
Venture Debt
Non-dilutive growth capital for VC-backed startups, structured alongside equity rounds.
Invoice Financing
Unlock cash tied up in unpaid invoices. Get up to 90% of invoice value within 48 hours.
Lease Financing
Finance equipment, office space, and infrastructure without large upfront costs.
Structured Debt
Customized debt instruments tailored to your specific business model and growth trajectory.
How Recur Scale works
A guided process to structure and close larger facilities.
Share your financials
Connect your data and tell us what you need to fund. Our team and AICA assess your profile end to end.
Compare structured offers
Get matched across 100+ capital partners and compare term sheets tailored to your growth plan.
Close and deploy
Accept the structure that fits, complete documentation with your relationship manager, and deploy capital.
Why Choose Recur Scale
- AI-powered credit assessment via AICA
- Access to 100+ capital partners
- Competitive interest rates from 10% p.a.
- Dedicated relationship manager
- Minimal equity dilution
- Flexible repayment structures
Ideal For
- Series A+ funded startups seeking growth capital
- SMEs with ₹5 Cr+ annual revenue
- Companies with strong unit economics
- Businesses looking to minimize equity dilution
- Companies with predictable revenue streams
Are you eligible?
Recur Scale is built for established businesses raising larger, structured capital.
- Indian company (Pvt Ltd, LLP, or registered firm) with ₹40 Crores+ annual revenue.
- Operating for 24+ months with strong, consistent unit economics.
- Clean repayment history and audited financials.
- GST registration and up-to-date MIS, bank statements, and ITR.
Recur Scale vs a bank loan vs equity
See how Recur Scale compares for larger, structured funding.
| Factor | Recur Scale | Bank Loan | Equity Round |
|---|---|---|---|
| Ticket size | Up to ₹250 Crores | Varies by bank | Sized to dilution appetite |
| Dilution | Minimal to none | Zero | Permanent ownership loss |
| Structure | Tailored to your model | Standardised products | Cap table and board terms |
| Lender choice | 100+ capital partners | One lender at a time | Limited investor pool |
| Speed | Term sheets in 48 hours | Weeks of paperwork | 3–6 months |
| Best for | Capex, expansion, large scale-up | Single secured facilities | High-risk long-term bets |
Sectors we serve
Recur Scale funds capital-intensive growth across industries.
Frequently asked questions
How much can I raise with Recur Scale?
Recur Scale provides larger debt from ₹5 Crores up to ₹250 Crores, structured across secured term loans, venture debt, invoice financing, lease financing, and structured debt.
How is Recur Scale different from Recur Swift?
Recur Swift is built for ultra-fast funding up to ₹10 Crores for startups with ₹5 Crores+ recurring revenue. Recur Scale offers larger, structured facilities up to ₹250 Crores for startups and SMEs with ₹40 Crores+ revenue.
What can I use Recur Scale funding for?
Common uses include capex, expansion, large inventory or equipment purchases, and growth scale-up. The structure is tailored to your business model and growth trajectory.
Will Recur Scale dilute my equity?
Recur Scale is designed to minimise or avoid dilution. Most instruments are debt and non-dilutive; venture debt may carry a small warrant depending on the lender.
Who is eligible for Recur Scale?
Indian companies with ₹40 Crores+ annual revenue, operating for 24+ months with strong unit economics, clean financials, and GST registration.