Credlix IFSC business loans
Credlix IFSC is on Recur Club's lender panel, writing export financing, import factoring, loan against property and 7 other products. Observed tickets run ₹80 lakh to ₹2 cr, priced between 13.5% and 14%. Median turnaround from application to disbursal is about 51 days.
- ✓Tickets from ₹80 L – ₹2 Cr across 10 products
- ✓Indicative pricing 13.5% – 14%, as quoted on live transactions
- ✓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.
- Borrowerage ≥3y (distributor financingloan against propertymachinery loanpurchase invoice discountingsales invoice discountingvendor financing)
- age ≥2y (secured term loan)
- age ≥5y (export financing, import factoring)
- CIBIL ≥650 (cohort ≈701)
- avoid: Financial Services, Insurance, Agriculture and Allied Industries (varies by product)
- pan-India
30 more ▾ ▴
- sector-agnostic (34 sectors — full list in data JSON) (varies by product)
- Financials: EBITDA ≥₹5cr (cohort ≈10.8) (purchase invoice discounting)
- EBITDA ≥₹5cr (export financing, import factoring, machinery loan, sales invoice discounting, secured term loan, vendor financing)
- rev ≥₹25cr (cohort ≈152.4) (purchase invoice discounting)
- rev ≥₹25cr (loan against property, machinery loan, sales invoice discounting, secured term loan)
- rev ≥₹100cr (distributor financing, export financing, import factoring, vendor financing)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4 (cohort ≈3.8×)
- maximum workingcapitalgap: 120 (purchase invoice discounting only)
- minimum workingcapitalgap: 10 (purchase invoice discounting only)
- networth ≥₹3cr (cohort ≈29.4) (purchase invoice discounting)
- networth ≥₹3cr (import factoring, machinery loan, sales invoice discounting, secured term loan, vendor financing)
- networth ≥₹2cr (distributor financing, export financing)
- DSCR ≥1.2 (cohort ≈1.7×) (purchase invoice discounting)
- DSCR ≥1.2 (loan against property, machinery loan, sales invoice discounting, secured term loan, vendor financing)
- DSCR ≥1 (distributor financing)
- debt/networth ≤4 (cohort ≈2×)
- minimum annualrevenuegrowthrate: 10 (varies by product)
- Deal: rate 0–15% (range across products — see matrix)
- ticket ₹0–30cr (range across products — see matrix)
- tenure 0–144mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (83%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×2), FD margin 20–30% (×2), Fixed Deposit <5% (×1)
- Security asked in : 2nd charge on current assets (×2), Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×1), FD margin 10–15% (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×48), FD margin 10–15% (×40), Corporate Guarantee (×7), FD margin 15–20% (×7)
- share → in-principle approval (initial interest): ≈24d
- in-principle approval → sanction (underwriting): ≈22d
- sanction → disburse (closing): ≈7d
What Credlix IFSC 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 |
|---|---|---|---|
Purchase Invoice Discounting▾Turnaround ~51d Rejects
Wins
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Behaviour & gates
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| ₹0.8–2 cr | 13.5–14% | 12 mo |
Also offered, with no terms observed yet: Export Financing, Import Factoring, Loan Against Property, Overdraft / Cash Credit, Sales Invoice Discounting, Secured Term Loan, Unsecured Business Loan, Vendor Financing, Working Capital Demand Loan.
What borrowers ask about Credlix IFSC
- What does Credlix IFSC lend?
- Credlix IFSC writes export financing, import factoring, loan against property, overdraft / cash credit, purchase invoice discounting, sales invoice discounting and 4 further products. Across those, observed facilities run ₹80 lakh to ₹2 cr.
- What ticket size does Credlix IFSC offer?
- Facilities observed on live transactions run from ₹80 lakh to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Credlix IFSC charge?
- Rates observed on live transactions fall between 13.5% and 14% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Credlix IFSC take to disburse?
- About 51 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 Credlix IFSC'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 Credlix IFSC
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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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 Credlix IFSC is the right lender for you
A few questions. Recur Market scores you against Credlix IFSC 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 Credlix IFSC's current policy. Terms are set by the lender at the time of sanction.