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.

Lender profile

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

Check your fit →See a typical term sheet

Products live

₹41L

Median sanction

Days median turnaround

Sanction letters read

— The screen your file has to clear

The screen your file has to clear

What is checked before anything else, and applies to every product below.

Rejects

Case is a hard matrix reject
Won't fund under professional/doctor category — 'we want to fund hospital not dr'
Deal denied because the applicant's banking transactions only started from April 26 (insufficient banking history)
This is a hard reject and cannot be reopened

25 more ▾

Case rejected on risk score, per the portal
In small ticket size, we do not do Pvt Ltd
Hard cut reject: 17 unsecured loan inquiries in the last 3 months
Case not eligible under GST, Vyari, and banking surrogate for the minimum loan amount
Won't fund 'negative/red' industries
travel/ticketing agentsreal estate business or servicescommission/MLM businesschit fund/private financemassage parlorscable TV operatorscourier companiesfilm industrycollection agenciesany DSAjewellery (real or imitation)metal traders without stock
Corporate lending has still not resumed
Case is hard reject under scenario 5 due to high enquiries with low conversion and combined CMR score of 8
Negative industry - cyber cafe & money transfer services
Customer declined the loan as their requirement was already fulfilled and they no longer needed it
Advised to avoid the case: 'Resi and office both are OGL - the 583101 pin code is non-serviceable for unsecured business loan & SBA'
Don't want to process Business loan
Cannot accept an open/undeveloped plot or a notarized POA as ownership proof — a registered sale deed/sale agreement is required, not a POA with nominal stamp value and zero consideration
Recommended to avoid the case: not eligible for the Income program due to FY24-25 EBITDA loss of Rs. 17.27 cr and negative PAT of Rs. 18.95 cr in FY25-26, compounded by EMI bounces and penal charges for overdrawing on the OD account
Poonawalla will not entertain EBITDA-negative companies
Not comfortable with the location of the land offered as collateral
Case is a hard matrix reject (×1
latest )
Won't fund under professional/doctor category — 'we want to fund hospital not dr' (×1
latest )
Deal denied because the applicant's banking transactions only started from April 26 (insufficient banking history) (×1
latest )
SBA case hard rejected due to CIBIL inference (×1
latest )
Case rejected on risk score, per the portal (×1
latest )

Wins

Very selective on NBFC clients — only ≈65 of 84 clients are NBFCs, preference for AAA-rated names
Growing impact focus
positive on textilesceramicsclean energymanufacturinginfrasolarEPC; negative on oil
Relaxed co-borrower consent requirement for login stage
Will consider funding if it's a wholesale business

10 more ▾

Prefers if the person worked in the same sector before starting the business
…more in playbook
Very selective on NBFC clients — only ≈65 of 84 clients are NBFCs, preference for AAA-rated names
Growing impact focus
positive on textilesceramicsclean energymanufacturinginfrasolarEPC; negative on oil
Relaxed co-borrower consent requirement for login stage
Will consider funding if it's a wholesale business
Prefers if the person worked in the same sector before starting the business
If customer has similar experience, can be considered
Only Term Loan (TL) is currently offered as a product; Overdraft (OD) is extended only selectively to high-turnover clients
Prefers executing the agreement via digital signature rather than a physically couriered draft, to close faster

Behaviour & gates

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)

28 more ▾

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

— Products & indicative terms

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 Min Bankingturnover: 0.5 INR Cr Max Usl90 Plus days past due L6 M: 0 Min company age (yr): 3 Years Max Bankingturnover: 250 INR Cr 21 more ▾ ▴ Director CIBIL: 650 → funded cohort ≈711.5 Max company age (yr): 15 Years Max Usl Pos To Turnover Ratio: 40 Max Od Cc Utilisation: 97 States: pan-India Company types: Private Limited, Sole proprietorship, Limited Liability Partner, Public Max Ongoing Ubl Count: 10 Max Usl0 Plus days past due L3 M: 0 Offered terms (past deals): rate 17–19–20% ₹0.1–0.2–0.5 Cr 24–36–36 mo Turnaround: ≈10 days (share→disburse) Asks for Other (×18) — e.g. Requires Udyam certificate for processing the case Asks for GST / integration (×7) — e.g. GST certificate and Udyam certificate requested Asks for Term sheet (×4) — e.g. One year of banking statements for both accounts requested Asks for Bank statements (×3) — e.g. Lender requires SBI OD/CC account statement and sanction letter as part of under Asks for Contracts/work orders (×2) — e.g. Latest rent agreement required following office relocation to a new location Asks for Legal / KYC (×2) — e.g. Requires KYC, residential rent agreement Asks for Audited financials (×1) — e.g. Two years of ITR, COI, and audited financial reports requested Asks for Debt schedule / sanction letters (×1) — e.g. For sanction, lender requires EMI clearance banking and sanction letters for the Asks for MIS (×1) — e.g. Current residence address proof required due to Aadhaar address mismatch with sy Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 0 Max tenure (mo): 36 Months Min rate (%): 17 Politically Exposed Person: No Min Aligned Fee: 2 28 more ▾ ▴ Max ticket (₹cr): 1 Security required: ['No Security'] Max rate (%): 21 rate — stated 17–21%, actually offered 17–20% → within stated band Amount — stated 0–1 Cr, actually offered 0.1–0.5 Cr → within stated band Tenure — stated 12–36 mo, actually offered 24–36 mo → within stated band Case is hard reject under scenario 5 due to high enquiries with low conversion and combined CMR score of 8 (×1 latest ) Negative industry - cyber cafe & money transfer services (×1 latest ) Advised to avoid the case: 'Resi and office both are OGL - the 583101 pin code is non-serviceable for unsecured business loan & SBA' (×1 latest ) Customer declined the loan as their requirement was already fulfilled and they no longer needed it (×1 latest ) Don't want to process Business loan (×1 latest ) Cannot accept an open/undeveloped plot or a notarized POA as ownership proof — a registered sale deed/sale agreement is required, not a POA with nominal stamp value and zero consideration (×1 latest ) SBA case hard rejected due to CIBIL Inference Reject (×1 latest ) Recommended to avoid the case: not eligible for the Income program due to FY24-25 EBITDA loss of Rs. 17.27 cr and negative PAT of Rs. 18.95 cr in FY25-26, compounded by EMI bounces and penal charges for overdrawing on the OD account (×1 latest ) Poonawalla will not entertain EBITDA-negative companies (×1 latest ) Lender's commercial structure bundles processing fee, insurance, and VAS Healthcare charges alongside the headline rate. (×1 latest ) Applicant age below 23 requires additional credit approval (age not met per standard policy) Banking shows major credits from money transfer services; business and money-transfer amounts cannot be separated from the bank account	₹0.1–0.5 cr	17–20%	24–36 mo

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

— Typical term sheet

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.

Indicative

How often each clause appears

Share of the 14 sanction letters carrying the clause.

Other standing covenants50%

— Security & covenants

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

— Common questions

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

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Last updated 29 September 2026

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.