Recur Club Investor

Positioned as "Advisory-led. AI-powered. Non-dilutive" capital, letting founders access growth funding without giving up ownership.

Site highlights "No personal guarantees required," "Flexible repayment schedules," and capital "in as little as 48 hours."

Recur Club's AI credit engine (AICA) evaluates businesses across multiple parameters including revenue velocity, customer churn and business momentum to match borrowers to suitable lenders.

Roughly half of Recur Club's customer base by sector, alongside commerce and logistics businesses.

The other roughly half of the customer base by sector.

Eligibility criteria include minimum Rs 1 crore ARR, six months of runway, and positive revenue growth.

Recur Scale targets Series A, B, and beyond startups and SMEs with revenues of Rs 40 crore and above, across sectors including SaaS, e-commerce, manufacturing, EV, D2C and agritech.

Recur Club offers a free advisory session with a dedicated debt advisor to any business earning above Rs 5 crore in revenue, providing personalized guidance through the funding process.

Customers create an account and securely connect their financial data directly on the platform, after which Recur Club's AI engine begins analyzing the business immediately.

Recur Club co-created "Bharat Ke Super Founders," a startup reality show, extending its relationship with founders into community engagement beyond transactional lending.

Recur Club engages loan applicants across multiple channels, with users consenting to be contacted via phone, RCS, email, or WhatsApp regarding their application.

Businesses sign up online, connect financial/accounting/billing/subscription data, and use a funding estimation calculator to access financing.

Recur Club's platform and funding news is featured across CNBC-TV18, The Hindu, ET Edge Insights, Inc42, YourStory, and Mint.

Recur Club's proprietary AI credit engine (AICA) analyzes businesses across 200+ parameters and is used by 100+ financial institutions.

Products include Recur Swift (up to Rs 10 Cr for startups with Rs 5+ Cr revenue), Recur Scale (up to Rs 250 Cr for startups/SMEs with Rs 40+ Cr revenue), and Rocket Loans (unsecured loans up to Rs 1 Cr in 48 hours), plus venture debt, invoice financing, lease financing and working capital financing.

Recur Club has launched targeted funds such as a Rs 150 Cr fund for D2C brands on quick commerce and a $10 Mn Regreen Fund to back green/sustainable startups.

Recur Club's core technology asset is AICA, a proprietary AI credit engine that evaluates businesses across 200+ parameters in real time and underpins the company's underwriting capability.

Recur Club is staffed by a 120+ person team spread across offices in Delhi, Bengaluru, and Mumbai, led by co-founders Eklavya Gupta and Abhinav Sherwal, both IIM Calcutta alumni.

Recur Club's financial resources include $8M in equity from InfoEdge Ventures, LC Nueva, Physis Capital, String Ventures and IA Finvolve, plus a $42M debt allocation, raised via its 2024 Series A round.

Recur Club brands itself as India's largest AI-native debt platform, citing over Rs 3,000 crore deployed across 2,000+ companies as evidence of scale and trust.

Recur Club's platform is backed by 100+ lending partners including banks, NBFCs, AIFs/credit funds and family offices.

Named among Recur Club's 50+ lender partnerships as of early 2024.

Lending partners listed on Recur Club's website.

Partnership announced August 2025 to boost capital access for startups, combining Enrission's early-stage investment expertise and investor network with Recur Club's AI-led credit infrastructure.

Recur Club charges 0.5% to 3% commission from both borrowers and lenders depending on investor type and company profile.