Tool · Platform, application-based

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

Recur Club Paid Intermediate India

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.

  • 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.

It answers 2 questions

  1. How do I sell in India where buyers negotiate hard on price and payments come in late?
  2. How do I keep control and avoid dilution when a bootstrapped business needs a one-time cash injection but I don't want VC?

Read with it

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