Recur Club, an AI-driven debt marketplace, has raised $50 million to expand its mission of making debt financing faster and more effortless for businesses. The round includes $8 million in equity investment, led by InfoEdge Ventures, LC Nueva, Physis Capital, String Ventures and Finvolveia, and $42 million in debt allocation from financial institutions such as Incred, Ugro Capital, and Lighthouse Canton.
The company plans to use this capital to launch new loan products, expand deeper into Tier-2 and Tier-3 cities, and strengthen its technology infrastructure. Recur Club says it has already grown 120% year-on-year and now aims to hit a debt run rate of Rs 10,000 crore by FY27.
Lenders and Borrowers
Recur Club has built a strong foundation by connecting over 2,000 companies to more than 100 institutional lenders. Its platform supports 30+ types of customised financing options, including cashflow loans, working capital, asset financing, invoice discounting, venture debt, acquisition financing and structured loans.
The marketplace isn’t restricted to one sector—it caters to SaaS, tech services, manufacturing, D2C, pharmaceuticals, agriculture, financial services and even solar businesses. Whether a company is looking for a quick unsecured loan or a large collateral-backed facility, Recur Club positions itself as a one-stop debt partner.
AI Becomes the Backbone
At the core of Recur Club is AICA — an AI-powered Credit Analyst trusted by 100+ banks, NBFCs and credit funds. Traditionally, raising debt in India involved long paperwork, slow verifications and frequent follow-ups. AICA dramatically cuts 80% of the time spent on data collection, analysis, deal execution and due diligence.
Its AI recommendation engine matches borrowers with the most suitable lenders in minutes, allowing companies to secure unsecured loans within 48 hours and structured capital within three weeks. In comparison, traditional loan approval takes over three months.
Founders Reimagine Debt
“Founders choose Recur Club because we make debt raising simple, transparent and fast,” said Eklavya Gupta, Founder and Co-CEO. He added that by 2030, Recur Club aims to power 2% of India’s $1 trillion startup and SME debt market, making capital “flow like water”.
Co-founder Abhinav Sherwal echoed this sentiment, saying traditional lending remained slow, fragmented and frustrating. “We rebuilt the entire debt process using AI lending agents, allowing founders to focus on building their businesses instead of chasing paperwork.”
Investors See Market Shift
Amit Behl, Partner at InfoEdge Ventures, believes Recur Club is transforming corporate lending in India. “AI is disrupting industries globally, but business lending in India has remained relationship-driven and outdated. Recur Club is changing that by building a full-stack AI-led debt marketplace. This is not a small improvement — it’s a complete reset of how credit flows to Indian businesses.”
With Indian startups and SMEs increasingly seeking non-dilutive capital, Recur Club is positioning itself as the “autopilot” solution for debt financing. Its AI-first approach aims to replace phone calls and paperwork with algorithms and instant approvals.
If Recur Club delivers on its promise, raising loans in India may soon be as simple as placing an online order — fast, transparent and predictable.
