Credit Saison business loans
Credit Saison is on Recur Club's lender panel, writing secured term loan, unsecured business loan, working capital demand loan. Observed tickets run ₹10 lakh to ₹50 lakh, priced between 17% and 20%. Median turnaround from application to disbursal is about 10 days.
- ✓Tickets from ₹10 L – ₹50 L across 3 products
- ✓Indicative pricing 17% – 20%, as quoted on live transactions
- ✓Around 10 days from application to disbursal when the file is clean
- ✓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: minimum bankingturnover: 0.5 (unsecured business loan only)
- max usl90 plus dpd l6 m: 0 (unsecured business loan only)
- age ≥3y (unsecured business loan only)
- maximum bankingturnover: 250 (unsecured business loan only)
- CIBIL ≥650 (cohort ≈711.5)
- maximum companyage: 15 (unsecured business loan only)
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- max new ubl l3 m: 1 (unsecured business loan only)
- max usl pos to turnover ratio: 40 (unsecured business loan only)
- max od cc utilisation: 97 (unsecured business loan only)
- max ongoing ubl count: 10 (unsecured business loan only)
- max usl0 plus dpd l3 m: 0 (unsecured business loan only)
- pan-India (varies by product)
- Private Limited, Sole proprietorship, Limited Liability Partner, Public (varies by product)
- positive sector: Financial Services (varies by product)
- Financials: rev ≥₹100cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹30cr
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 10–21% (range across products — see matrix)
- ticket ₹0–150cr (range across products — see matrix)
- tenure 6–48mo (range across products — see matrix)
- no PEP
- Security (observed): No Security (100%)
- median ticket ₹0.6cr
- median rate 19%
- median turnaround 10d
- Security asked in : Personal Guarantee Of Promoters/Directors (×1), Escrow Of Cashflows (×1), 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1)
- Security asked in : Personal Guarantee Of Promoters/Directors (×6), 2nd charge on current assets (×3), 1st/pari-passu charge on current assets (×2), FD margin 15–20% (×2)
- Security asked in 2026: No Security (×65), Personal Guarantee Of Promoters / Directors / Property Owner (×7)
- share → in-principle approval (initial interest): ≈7d
- in-principle approval → sanction (underwriting): ≈0d
- sanction → disburse (closing): ≈2d
What Credit Saison 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 |
|---|---|---|---|
Unsecured Business Loan▾Turnaround ~10d Wins
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Behaviour & gates
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| ₹0.1–0.5 cr | 17–20% | 24–36 mo |
Also offered, with no terms observed yet: Secured Term Loan, Working Capital Demand Loan.
What a sanction from Credit Saison 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.
How often each clause appears
Share of the 14 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Post-dated cheques / undated cheques2 letters
- Cheques (PDCs/UDCs)2 letters
- Post-dated/un-dated cheques1 letters
- Post-dated cheques/Undated cheques (PDC/UDC)1 letters
- Cheques / Repayment instruments1 letters
- PDC/UDC1 letters
- Post-dated cheques / undated cheques ×2, Cheques (PDCs/UDCs) ×2, Post-dated/un-dated cheques ×1, Post-dated cheques/Undated cheques (PDC/UDC) ×1, Cheques / Repayment instruments ×1, PDC/UDC ×1
What borrowers ask about Credit Saison
- What does Credit Saison lend?
- Credit Saison writes secured term loan, unsecured business loan, working capital demand loan. Across those, observed facilities run ₹10 lakh to ₹50 lakh.
- What ticket size does Credit Saison offer?
- Facilities observed on live transactions run from ₹10 lakh to ₹50 lakh. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Credit Saison charge?
- Rates observed on live transactions fall between 17% and 20% a year. Tenures run 24 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Credit Saison take to disburse?
- About 10 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Credit Saison'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.
Next steps after Credit Saison
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Credit Saison is the right lender for you
A few questions. Recur Market scores you against Credit Saison and the rest of the panel, on each lender's own recorded criteria.
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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 Credit Saison's current policy. Terms are set by the lender at the time of sanction.