Kaleidofin business loans
Kaleidofin is on Recur Club's lender panel, writing distributor financing, secured term loan.
- ✓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: age ≥2y
- CIBIL ≥650
- avoidAgriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
- pan-India
- Private Limited, Public
- positive sector: Financial Services, Insurance (varies by product)
16 more ▾ ▴
- Financials: EBITDA ≥₹-10cr
- runway ≥12mo
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- minimum assetsundermanagement: 50 (secured term loan only)
- gross non performing assets: 3 (secured term loan only)
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 16–18%
- ticket ₹2–25cr (range across products — see matrix)
- tenure 12–48mo (range across products — see matrix)
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in : 1st/pari-passu charge on current assets (×2), Corporate Guarantee (×1), Warrants 5-10% (×1), FD margin 10–15% (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters / Directors / Property Owner (×3), Corporate Guarantee (×1), FD margin 5–10% (×1)
- share → in-principle approval (initial interest): ≈44d
What Kaleidofin 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 |
|---|
Also offered, with no terms observed yet: Distributor Financing, Secured Term Loan.
What borrowers ask about Kaleidofin
- What does Kaleidofin lend?
- Kaleidofin writes distributor financing, secured term loan.
- What are Kaleidofin'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.
- What security does Kaleidofin ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%).
- How do I apply to Kaleidofin?
- You do not apply to Kaleidofin directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Kaleidofin's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Kaleidofin the right lender for my business?
- It depends on which product you need, your sector and how your last two years of financials read. The credit box on this page is what Kaleidofin screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Kaleidofin
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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See whether Kaleidofin is the right lender for you
A few questions. Recur Market scores you against Kaleidofin 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 Kaleidofin's current policy. Terms are set by the lender at the time of sanction.