Clime Finance business loans
Clime Finance is on Recur Club's lender panel, writing operating lease, purchase invoice discounting, secured term loan and 1 other products.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: age ≥1y (secured term loan)
- age ≥2y (sales invoice discounting)
- CIBIL ≥650
- avoidCementChemicalsExplosivesArms and AmmunitionsGambling and BettingGems and JewelleryInsuranceLottery BusinessMedia and EntertainmentTobacco ProductsFinancial Services
- pan-India
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
21 more ▾ ▴
- sector-agnostic (27 sectors — full list in data JSON)
- Financials: EBITDA ≥₹-150cr
- runway ≥12mo
- rev ≥₹1cr
- TOL/adjusted tangible net worth ≤5
- maximum runway: 72
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 13.5–15%
- ticket ₹0–3cr
- tenure 12–72mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Escrow Of Cashflows (75%)
- 1st/pari-passu charge on current assets (75%)
- FD margin 5–10% (75%)
- 1st charge on P&M (50%)
- Security asked in : Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1), FD margin 15–20% (×1)
- Security asked in : FD margin 5–10% (×3), 1st/pari-passu charge on current assets (×3), Escrow Of Cashflows (×2), FD margin 10–15% (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×4), Escrow Of Cashflows (×3), 1st/pari-passu charge on current assets (×3), FD margin 5–10% (×3)
- share → in-principle approval (initial interest): ≈16d
What Clime Finance lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure |
|---|
Also offered, with no terms observed yet: Operating Lease, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What a sanction from Clime Finance actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
What borrowers ask about Clime Finance
- What does Clime Finance lend?
- Clime Finance writes operating lease, purchase invoice discounting, secured term loan, working capital demand loan.
- What are Clime Finance's eligibility criteria?
- The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.
- What security does Clime Finance ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Escrow Of Cashflows (75%) · 1st/pari-passu charge on current assets (75%) · FD margin 5–10% (75%) · 1st charge on P&M (50%).
- How do I apply to Clime Finance?
- You do not apply to Clime Finance directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Clime Finance's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Clime Finance the right lender for my business?
- It depends on which product you need, your sector and how your last two years of financials read. The credit box on this page is what Clime Finance screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Clime Finance
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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See whether Clime Finance is the right lender for you
A few questions. Recur Market scores you against Clime Finance and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Clime Finance's current policy. Terms are set by the lender at the time of sanction.