# 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.

Source: https://www.recurclub.com/lenders/klay-capital
Last updated: 2026-10-20

## Products and indicative terms

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

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Secured Term Loan | ₹3–12 cr | 13.8–14% | 24–36 mo |

Also offered, with no terms observed yet: Purchase Invoice Discounting, Unsecured Business Loan.

## Eligibility - Klay Capital

### Screening gates and observed behaviour

- Borrower: age ≥2y · CIBIL ≥650 · avoid: Infrastructure, Real Estate (asset Light), Real Estate (non asset Light), Metals and Mining, Financial Services, Agriculture and Allied Industries · pan-India · Private Limited, Public, Sole proprietorship, Limited Liability Partner · sector-agnostic (45 sectors — full list in data JSON)
- 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

## Eligibility - KLAY FINVEST PRIVATE LIMITED

### Screening gates and observed behaviour

- Borrower: age ≥3y · CIBIL ≥650 · avoid: Banking, Electric Vehicle, Explosives, Arms and Ammunitions, Financial Services, Gambling and Betting, Infrastructure, Insurance, Lottery Business, Media and Entertainment, Others, Real Estate (asset Light), Real Estate (non asset Light), Tobacco Products, Agriculture and Allied Industries · Private Limited, Public, Limited Liability Partner, Sole proprietorship · sector-agnostic (40 sectors — full list in data JSON)
- Financials: runway ≥12mo · 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

## Common questions

### 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.

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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 Klay Capital's current policy.