Recur Club, India’s fastest-growing AI-native debt marketplace, has raised $50 million to scale ‘autopilot’ debt financing, enabling startups and SMEs to secure debt faster, with less friction. The raise includes $8 million in equity funding led by InfoEdge Ventures, LC Nueva, Physis Capital, String Ventures and Finvolveia, alongside $42 million in debt allocation to the platform from leading financial institutions, including Incred, Ugro Capital, and Lighthouse Canton.
Recur Club has connected 2,000+ companies to 100+ institutional lenders across 30+ customised debt products – cashflow financing, asset financing, working capital, invoice discounting, venture debt, acquisition financing, structured debt and lease financing across varied sectors like SaaS, Tech Services, D2C, Manufacturing, Financial Services, Pharmaceuticals, Solar and Agriculture. The new funds will be deployed to accelerate the growth of Recur’s AI-native debt marketplace launching new debt products and expanding into Tier-2 and Tier-3 cities and investing further into technology infrastructure. Recur Club has scaled 120% y-o-y and, with these new funds, is on track to achieve an annual debt run-rate of ₹10,000 crore by FY’27.
At the heart of Recur Club is AICA our proprietary AI Credit Analyst, trusted by 100+ banks, NBFCs, and credit funds. AICA saves over 80% of the time typically spent on data collection, data room management, deal execution, due diligence, and CAM creation through its AI co-pilots and lending agents. Its AI-powered debt recommendation engine identifies the most suitable financing options for each borrower and matches them with the most relevant lenders at lightning speed. This enables companies to raise unsecured loans in under 48 hours and structured, collateral-backed growth capital in less than three weeks – a process that traditionally takes over three months.
Since its inception, Recur Club has facilitated over ₹3,000 crore in debt sanctions, backing companies such as MoveInSync, Zypp, Sagar Asia, Kimbal, Captain Fresh, and Palmonas. With a balanced mix of secured and unsecured disbursals, the platform mirrors real founder needs from unlocking working capital quickly to enabling structured growth with secured credit for expansion, equipment, or asset-backed financing.
“Founders choose Recur Club because we make debt raising a simple, transparent and fast process by curating ideal capital structures mapped with the Company’s business plan – a true technology-led capital advisory. By 2030, our ambition is to power 2% of India’s $1 trillion SME and startup debt market by making debt accessible like flowing water” said Eklavya Gupta,Founder & Co-CEO of Recur Club.
Abhinav Sherwal, Co-Founder and Co-CEO, added: “Raising debt in India has traditionally been slow, opaque, and fragmented, filled with scattered applications, endless follow-ups, and delayed disbursals. At Recur Club, we have rebuilt this experience ground up with AI lending agents where technology stays invisible while founders raise capital and keep their focus on scaling their businesses instead of chasing paperwork.”
Echoing this confidence, Amit Behl, Partner at Infoedge, said: “AI is transforming industries worldwide, but corporate lending in India has remained slow and relationship based. Recur Club is changing that. By building a full-stack debt marketplace with AI at its core, they are making capital faster, smarter, and truly founder-first. This is not just an incremental improvement it is a fundamental reset of how credit flows to businesses in India, and we are excited to back a team with the vision and execution to build the future of credit.”
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