Capital at the speed of thought.
Unlock up to ₹10 Crores based on your recurring revenue in just 48 hours. Completely non-dilutive, perfectly aligned with your cashflows.
Why founders choose Recur Swift
Lightning Fast
From connecting your bank accounts to term sheet in under 24 hours. Capital in your bank in 48 hours.
Zero Dilution
Keep 100% of your company. No warrants, no board seats, no personal guarantees required.
Flexible Repayment
Repayments scale with your revenue. Slow month? Lower payments. Fast growth? Clear it faster.
How Recur Swift works
Three simple steps from sign-up to capital in your account.
Connect your data
Securely link your bank accounts and revenue data in minutes. No lengthy paperwork to start.
Get matched & assessed
Our AI assesses your recurring revenue and matches you to the right lenders — term sheet in under 24 hours.
Receive capital
Accept your offer and get up to ₹10 Crores in your bank account within 48 hours.
Are you eligible?
Recur Swift is built for revenue-generating startups that want fast, non-dilutive capital.
- Indian startup (Pvt Ltd) with ₹5 Crores+ in annual recurring revenue.
- Operating for 12+ months with predictable, recurring revenue streams.
- GST registered with clean bank statements and MIS.
- Subscription, SaaS, D2C, or transactional revenue models welcome.
Recur Swift vs a bank loan vs equity
See how Recur Swift compares on the factors that matter most to founders.
| Factor | Recur Swift | Bank Loan | Equity Round |
|---|---|---|---|
| Speed to capital | 48 hours | Weeks of paperwork | 3–6 months |
| Dilution | Zero | Zero | Permanent ownership loss |
| Collateral | Not required | Often required | Not applicable |
| Repayment | Flexes with revenue | Fixed EMIs | Exit or dividends |
| Personal guarantee | Not required | Often required | Not applicable |
| Best for | Fast, recurring-revenue funding | Large secured facilities | High-risk long-term bets |
Sectors we serve
Recur Swift powers fast-growing, recurring-revenue businesses across industries.
Frequently asked questions
How fast can I get funded with Recur Swift?
From connecting your bank accounts to a term sheet takes under 24 hours, and capital lands in your account within 48 hours of accepting an offer — far faster than a traditional bank loan or equity round.
How much can I raise through Recur Swift?
Recur Swift offers up to ₹10 Crores, sized to your recurring revenue. For larger requirements, Recur Scale provides debt up to ₹250 Crores.
Is Recur Swift dilutive?
No. Recur Swift is completely non-dilutive — you keep 100% of your company with no warrants, board seats, or personal guarantees required.
Do I need collateral or a personal guarantee?
No. Recur Swift is underwritten on your recurring revenue and business performance, so no collateral or personal guarantee is required.
Who is eligible for Recur Swift?
Indian startups with ₹5 Crores+ in annual recurring revenue, operating for 12+ months with predictable revenue streams, GST registration, and clean financials.