# 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.

Source: https://www.recurclub.com/lenders/clime-finance
Last updated: 2026-10-20

Also offered, with no terms observed yet: Operating Lease, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥1y (secured term loan) · age ≥2y (sales invoice discounting) · CIBIL ≥650 · avoid: Cement, Chemicals, Explosives, Arms and Ammunitions, Gambling and Betting, Gems and Jewellery, Insurance, Lottery Business, Media and Entertainment, Tobacco Products, Financial Services · pan-India · Private Limited, Public, Sole proprietorship, Limited Liability Partner · 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

## Sanctioned terms (from 1 real sanction letter)

### Sanctioned amount: median ₹75L


### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### 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.

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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.