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Recur Club

2 resources from Recur Club we point founders to, and the questions each answers.

🛠️ Tool
✓ Link checked India Paid Intermediate

Why we picked it When you need a one-time cash injection without giving up equity, this is an actual India-based platform you can approach, offering revenue-based financing, venture debt, and term loans against recurring or repeat revenue. It fits founders here better than most global names because it underwrites in INR and works with businesses building outside the big startup hubs, not just metro-VC-backed ones. GetVantage is a comparable Indian provider worth pricing against it, so treat these as starting points to compare terms, not the only doors.

Recur Club (revenue-based financing and debt for Indian founders)

From Recur Club by Recur Club Platform, application-based

  • They lend against predictable revenue (MRR/ARR visibility) rather than taking shares, so you keep your cap table intact.
  • Expect a minimum revenue bar (roughly 1 crore ARR and up depending on the product), so this is for businesses with real, repeatable income, not pre-revenue ideas.
  • It is still money you repay with a cost attached, so read the fee, tenure, and any covenant carefully and compare against at least one peer like GetVantage before signing.
Open recurclub.com →
Answers How do I sell in India where buyers negotiate hard on price and payments come in late? How do I keep control and avoid dilution when a bootstrapped business needs a one-time cash injection but I don't want VC?
📄 Article
✓ Link checked India Free Beginner

Why we picked it A clean, India-framed explainer of the mechanics with a worked example in rupees: at Rs 50 lakh monthly revenue you repay Rs 4 lakh, and if revenue drops to Rs 25 lakh the repayment halves to Rs 2 lakh, which is exactly the flex that makes RBF safer than fixed EMI debt. It lays out the five-step flow (application, revenue assessment, offer, disbursement, revenue-linked repayment), states the total is capped at a predefined multiple (1.3x to 2x), and puts RBF in a table against VC, angels, bank loans, and venture debt so you can see where it wins and where it does not.

Understanding Revenue-Based Financing and How It Works

From Recur Club by Recur Club 10 min read

  • Repayments scale down automatically when revenue dips, so RBF absorbs a bad month in a way a fixed-EMI loan cannot
  • Total cost is a hard multiple of capital (1.3x to 2x), not an open-ended interest meter, so you know the ceiling upfront
  • It is built for predictable-revenue SaaS, D2C, and marketplaces, and explicitly wrong for pre-revenue or lumpy-income businesses
Open recurclub.com →
Answers What is revenue-based financing, and when is it a smarter non-dilutive option than a grant or a round?
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