What does Jayshree Dealers lend?

Jayshree Dealers writes purchase invoice discounting, sales invoice discounting, secured term loan, unsecured business loan, working capital demand loan. Across those, observed facilities run ₹20 lakh to ₹50 lakh.

What ticket size does Jayshree Dealers offer?

Facilities observed on live transactions run from ₹20 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 Jayshree Dealers charge?

Rates observed on live transactions fall between 17% and 18% a year. Tenures run 12 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Jayshree Dealers take to disburse?

About 19 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 Jayshree Dealers'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

Jayshree Dealers business loans

Jayshree Dealers is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting, secured term loan and 2 other products. Observed tickets run ₹20 lakh to ₹50 lakh, priced between 17% and 18%. Median turnaround from application to disbursal is about 19 days.

✓Tickets from ₹20 L – ₹50 L across 5 products
✓Indicative pricing 17% – 18%, as quoted on live transactions
✓We check your fit against every lender on the panel, not just this one

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Products live

— 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

Decision makers decided to pass on the debt funding offer currently
After detailed discussion with Founder and Sr management, they have taken a call to pass on the debt funding offer currently
Rejected because borrower has taken multiple loans without significant revenue increase, raising concern about ability to service loans
Rejected the loan application due to low DSCR and multiple loans taken without significant revenue increase

Wins

An entity name appearing in the FY25 provisional financials is not related to Design Tribute
it was a formatting error carried over from a previous template.
Awaiting term sheet/indicator from Gaurav Upadhyay today to enable swift closure.
Cash runway is approximately 20 months at current burn rate

3 more ▾

BTO (borrowing to turnover) should be calculated using the full CC limit of ₹10 Cr as borrowing (not the closing balance), plus Vivriti ₹1 Cr and Nabkisan ₹1 Cr limits, resulting in ≈34% BTO.
Lender flagged ongoing legal suits involving the borrower as a concern
…more in playbook

Behaviour & gates

Borrower: CIBIL ≥650
age ≥1y
avoid
Mining TechMining EquipmentGems and JewelleryGambling and BettingLottery BusinessMining CompaniesTobacco ProductsExplosivesArms and Ammunitions
Delhi, Rajasthan, West Bengal, Maharashtra, Gujarat, Telangana, Karnataka, Tamil Nadu, Kerala
Financials: runway ≥6mo
exisiting debt: 40

7 more ▾

TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
Deal: rate 18–25%
ticket ₹0.1–0.5cr
tenure 6–18mo
share → in-principle approval (initial interest): ≈20d

— Products & indicative terms

What Jayshree Dealers 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
Sales Invoice Discounting▾▴ Turnaround ~19d Rejects Negative sectors Mining TechMining EquipmentGems and JewelleryGambling and BettingLottery BusinessMining CompaniesTobacco ProductsExplosivesArms and Ammunitions [setAkash Gupta] Wins Director overdue: 0.001 INR Cr [set , Akash Gupta] Director CIBIL: 650 [set , Akash Gupta] States: 9 values → data JSON [set , Akash Gupta] Min company age (yr): 1 Years [set , Akash Gupta] 14 more ▾ ▴ Min Runway: 6 Months [set , Akash Gupta] Exisiting Debt: 40 % [set , Akash Gupta] TOL: 5 [set , Akash Gupta] Debt / EBITDA: 4 [set , Akash Gupta] Debt / Net worth: 4 [set , Akash Gupta] Offered terms (past deals): rate 17–17–17% ₹0.5–0.5–0.5 Cr 12–12–12 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈19 days (share→disburse) Asks for GST / integration (×7) — e.g. Requested GST access via Karza link for credit assessment Asks for Bank statements (×6) — e.g. Requires original, unmerged bank statement files downloaded directly from netban Asks for MIS (×2) — e.g. Requested missing transactions from IDFC/ICICI account statements Asks for Term sheet (×2) — e.g. Requested correct/complete statements for the RBL account Asks for Other (×1) — e.g. Explanations for past loan repayment delays Behaviour & gates Min tenure (mo): 6 Months [set , Akash Gupta] Min ticket (₹cr): 0.1 [set , Akash Gupta] Max tenure (mo): 18 Months [set , Akash Gupta] Min rate (%): 18 [set , Akash Gupta] Max ticket (₹cr): 0.5 [set , Akash Gupta] Max rate (%): 25 [set , Akash Gupta] 21 more ▾ ▴ rate — stated 18–25%, actually offered 17–17% → priced/sized below stated floor Amount — stated 0.1–0.5 Cr, actually offered 0.5–0.5 Cr → within stated band Tenure — stated 6–18 mo, actually offered 12–12 mo → within stated band Rejected because borrower has taken multiple loans without significant revenue increase, raising concern about ability to service loans (×1 latest ) Rejected due to low DSCR (Debt Service Coverage Ratio) (×1 latest ) Rejected the loan application due to low DSCR and multiple loans taken without significant revenue increase (×1 latest ) DSCR was assessed as too low to support the loan HDFC Bank net banking was unavailable, delaying sharing of some details Issue with Apollo Finvest regarding RBF repayments was settled after a dispute Borrower has taken multiple loans without significant revenue increase, raising concern about ability to service the loans Company previously defaulted on GST and EPF filings with no solid reason given, leaving lenders without visibility and making the deal difficult. Confirmed inter-party fund transfers into RBL account (7623) originating from two ICICI accounts (0185 and 6265) BTO (borrowing to turnover) should be calculated using the full CC limit of ₹10 Cr as borrowing (not the closing balance), plus Vivriti ₹1 Cr and Nabkisan ₹1 Cr limits, resulting in ≈34% BTO. BTO is calculated using the full CC limit (₹10 Cr) as borrowing rather than closing balance, plus Vivriti (₹1 Cr) and Nabkisan (₹1 Cr) limits, yielding ≈34% BTO. Borrower disputes the BTO calculation, claiming it should be ≈8% instead of the lender's 34%, and requested supporting calculations for review. Lender flagged ongoing legal suits involving the borrower as a concern Ongoing legal case with Shopitmise (marketing agency) involving misuse of ad accounts, with ₹15L at stake EPF filing delays occurred due to cash flow constraints and CA unavailability, though filings are on track to complete this month.	₹0.5 cr	17%	12 mo
Unsecured Business Loan▾▴ Turnaround ~64d Rejects Negative sectors Mining TechMining EquipmentGems and JewelleryGambling and BettingLottery BusinessMining CompaniesTobacco ProductsExplosivesArms and Ammunitions [setAkash Gupta] Wins Director overdue: 0.001 INR Cr [set , Akash Gupta] Director CIBIL: 650 [set , Akash Gupta] States: 9 values → data JSON [set , Akash Gupta] Min company age (yr): 1 Years [set , Akash Gupta] 16 more ▾ ▴ Min Runway: 6 Months [set , Akash Gupta] Exisiting Debt: 40 % [set , Akash Gupta] TOL: 5 [set , Akash Gupta] Debt / EBITDA: 4 [set , Akash Gupta] Debt / Net worth: 4 [set , Akash Gupta] Offered terms (past deals): rate 17–17.5–18% ₹0.2–0.3–0.5 Cr 12–24–36 mo Turnaround: ≈64 days (share→disburse) Asks for Bank statements (×8) — e.g. Requested Kotak and RBL account statements from June to present Asks for Other (×5) — e.g. Awaiting the latest loan obligation sheet Asks for GST / integration (×4) — e.g. Requested GST access via provided Karza link Asks for Debt schedule / sanction letters (×2) — e.g. Current debt schedule for both Freshokart (FK) and Nuzen entities. Asks for Provisional financials (×2) — e.g. Requested provisional FY25 financials with detailed notes Asks for Audited financials (×1) — e.g. Latest audited financials with director and auditor reports. Asks for Term sheet (×1) — e.g. KYC documents for all directors and the 99% shareholder. Behaviour & gates Min tenure (mo): 6 Months [set , Akash Gupta] Min ticket (₹cr): 0.1 [set , Akash Gupta] Max tenure (mo): 18 Months [set , Akash Gupta] Min rate (%): 18 [set , Akash Gupta] Max ticket (₹cr): 0.5 [set , Akash Gupta] Max rate (%): 25 [set , Akash Gupta] 21 more ▾ ▴ rate — stated 18–25%, actually offered 17–18% → priced/sized below stated floor Amount — stated 0.1–0.5 Cr, actually offered 0.2–0.5 Cr → within stated band Tenure — stated 6–18 mo, actually offered 12–36 mo → exceeded stated ceiling After detailed discussion with Founder and Sr management, they have taken a call to pass on the debt funding offer currently (×1 latest ) Decision makers decided to pass on the debt funding offer currently (×1 latest ) An entity name appearing in the FY25 provisional financials is not related to Design Tribute it was a formatting error carried over from a previous template. Company is first closing a CGTSME loan and a 5 Cr OD facility with its bank will only pursue the unsecured loan once those transactions are closed. Company states it has no Kotak account and the RBL account was closed two years ago Cash runway is approximately 20 months at current burn rate EPF filing delays occurred due to cash flow constraints and CA unavailability, though filings are on track to complete this month. Lender flagged concern about the company's cash runway, estimated at ≈8 months based on current burn rate Awaiting term sheet/indicator from Gaurav Upadhyay today to enable swift closure. Company previously defaulted on GST and EPF filings with no solid reason given, leaving lenders without visibility and making the deal difficult. days past due clarification expected Friday; loan month being pushed to mid-November. Several accounts (Axis **4246, Citi 7245) are closed with no major transactions ICICI 4380 shows only charges Axis ***5058 is the main transactional account	₹0.2–0.5 cr	17–18%	12–36 mo

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

— Common questions

What borrowers ask about Jayshree Dealers

What does Jayshree Dealers lend?: Jayshree Dealers writes purchase invoice discounting, sales invoice discounting, secured term loan, unsecured business loan, working capital demand loan. Across those, observed facilities run ₹20 lakh to ₹50 lakh.
What ticket size does Jayshree Dealers offer?: Facilities observed on live transactions run from ₹20 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 Jayshree Dealers charge?: Rates observed on live transactions fall between 17% and 18% a year. Tenures run 12 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Jayshree Dealers take to disburse?: About 19 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 Jayshree Dealers'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.

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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 Jayshree Dealers's current policy. Terms are set by the lender at the time of sanction.