# Clix Capital business loans

> Clix Capital is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/clix-capital
Last updated: 2026-10-20

Also offered, with no terms observed yet: Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · pan-India · positive sector: Medical Devices, Healthcare, Biotechnology, Pharmaceuticals
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 12.5–17% · ticket ₹0.1–25cr · tenure 12–72mo
- Security: 1st charge on P&M

## Sanctioned terms (from 20 real sanction letters)

### Sanctioned amount: median ₹35L (₹15L–₹91L) · NEW ×4

- median ₹35L (₹15L–₹91L) · NEW ×4

### Typical covenants: - Other standing covenants — 30% of letters

- Other standing covenants — 30% of letters

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

- (facilities, largest first)

## Common questions

### What does Clix Capital lend?

Clix Capital writes secured term loan.

### What are Clix Capital'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.

### How do I apply to Clix Capital?

You do not apply to Clix Capital directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Clix Capital's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.

### Is Clix Capital 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 Clix Capital 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 Clix Capital's current policy.