# 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.

Source: https://www.recurclub.com/lenders/jayshree-dealers
Last updated: 2026-09-29

## Products and indicative terms

Observed on live transactions. Not an offer or a quote.

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Sales Invoice Discounting | ₹0.5 cr | 17% | 12 mo |
| Unsecured Business Loan | ₹0.2–0.5 cr | 17–18% | 12–36 mo |
| Purchase Invoice Discounting | - | - | - |

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

## Eligibility

### Will not fund

- 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

### Prefers

- 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
- 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

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥1y · avoid: Mining Tech, Mining Equipment, Gems and Jewellery, Gambling and Betting, Lottery Business, Mining Companies, Tobacco Products, Explosives, Arms and Ammunitions · Delhi, Rajasthan, West Bengal, Maharashtra, Gujarat, Telangana, Karnataka, Tamil Nadu, Kerala
- Financials: runway ≥6mo · exisiting debt: 40 · 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

## Common questions

### 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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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.