Klay Capital business loans
Klay Capital is on Recur Club's lender panel, writing purchase invoice discounting, secured term loan, unsecured business loan. Observed tickets run ₹3 cr to ₹12 cr, priced between 13.8% and 14%. Median turnaround from application to disbursal is about 65 days.
- ✓Tickets from ₹3 Cr – ₹12 Cr across 4 products
- ✓Indicative pricing 13.8% – 14%, as quoted on live transactions
- ✓We check your fit against every lender on the panel, not just this one
2 lenders under one brand
They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.
Klay Capital
- Borrower: age ≥2y
- CIBIL ≥650
- avoidInfrastructureReal Estate (asset Light)Real Estate (non asset Light)Metals and MiningFinancial ServicesAgriculture and Allied Industries
- pan-India
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (45 sectors — full list in data JSON)
17 more ▾ ▴
- Financials: EBITDA ≥₹8cr
- runway ≥12mo
- rev ≥₹50cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 12.5–18%
- ticket ₹2–15cr
- tenure 12–48mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (64%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×6), Personal Guarantee Of Promoters / Directors / Property Owner (×6), 1st/pari-passu charge on current assets (×5), FD margin 10–15% (×5)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×11), 1st/pari-passu charge on current assets (×7), Escrow Of Cashflows (×3), FD margin 10–15% (×3)
- share → in-principle approval (initial interest): ≈26d
- in-principle approval → sanction (underwriting): ≈13d
- sanction → disburse (closing): ≈32d
Klay Finvest Private Limited
- Borrower: age ≥3y
- CIBIL ≥650
- avoidBankingElectric VehicleExplosivesArms and AmmunitionsFinancial ServicesGambling and BettingInfrastructureInsuranceLottery BusinessMedia and EntertainmentOthersReal Estate (asset Light)
- Private Limited, Public, Limited Liability Partner, Sole proprietorship
- sector-agnostic (40 sectors — full list in data JSON)
- Financials: runway ≥12mo
10 more ▾ ▴
- rev ≥₹50cr
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
- Deal: no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (57%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×7), FD margin 10–15% (×4), Corporate Guarantee (×2)
- share → in-principle approval (initial interest): ≈31d
What Klay Capital 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 | Arm |
|---|---|---|---|---|
Secured Term Loan▾Turnaround ~65d Rejects
Wins
13 more ▾ ▴
Behaviour & gates
4 more ▾ ▴
| ₹3–12 cr | 13.8–14% | 24–36 mo | Klay Capital |
Also offered, with no terms observed yet: Purchase Invoice Discounting, Unsecured Business Loan.
What borrowers ask about Klay Capital
- What does Klay Capital lend?
- Klay Capital writes purchase invoice discounting, secured term loan, unsecured business loan. Across those, observed facilities run ₹3 cr to ₹12 cr.
- What ticket size does Klay Capital offer?
- Facilities observed on live transactions run from ₹3 cr to ₹12 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Klay Capital charge?
- Rates observed on live transactions fall between 13.8% and 14% 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 Klay Capital take to disburse?
- About 65 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 Klay Capital'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 Klay Capital
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 Klay Capital is the right lender for you
A few questions. Recur Market scores you against Klay Capital 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 Klay Capital's current policy. Terms are set by the lender at the time of sanction.