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Clix Capital Business Loan
Clix Capital Services Private Limited, a non-banking financial company (NBFC), provides a selection of financing solutions to individuals and businesses, including their signature Clix Capital Business Loan. This loan solution is particularly focused on catering to the needs of small and medium enterprises (SMEs) in India. Whether these enterprises need financial support for working capital, business expansion, or new investments, the Clix Capital Business Loan is structured to meet these diverse needs.
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Clix Capital Business Loan
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Clix Capital Business LoanHere are a few factors
| Location | Delhi-NCR,
Mumbai, Bangalore, Chennai, Pune, Ahmedabad, Jaipur, Coimbatore, Hyderabad,
Chandigarh, Pune, Rajkot, Surat, Vijayawada, Hugli |
| CIBIL Score | 675+ |
| Processing | Offline |
| Business Vintage | 3 Year |
| Minimum Turnover | 1.
Banking Program-1 Cr- 45 Cr 2. GST Program-1 Cr-60 Cr 3. Income Program-2 Cr-120 Cr |
| Loan Amount & Tenure | 8
Lac-50 Lac (12 month to 36 month) |
| Loan Product | Only Term Loan No OD Limit |
| Rate of Interest & Type | 19.50% to 21.50% (Reducing) |
| TAT | Sanction-2
Days Disbursement-7 Days |
| Processing Fees | 2% |
| Foreclosure Charges | 4% |
| Applicant Type | Any Self Employed Person |
| Whether Co-Applicant Mandatory | Mandatory |
| Proprietor Age/Co-Applicant Age | 24 Year-65 Year |
| Part Payment Allowed | Yes, after 12 month |
| Whether Ownership Proof Required | Yes, either office or residence one should be owned at business place |
| Business Registration Proof Mandatory | Yes |
| Program | GST Program-25 Lac, Banking Program-25 Lac, Income Program-50 Lac |
| Product for Professionals | No |
| Negative Profile | Both Side Rented Applicant, Advocate, Share Traders, Liquor Business |
| USP | 1. Business Loan to School |
| Additional | 1.
Minimum 51% Shareholding required on Loan if applicant is LLP/Partnership
firm/Company 2. Civil Contractors, Real Estate is catious profile |
Clix Capital Business Loan EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
| Loan Amount | ₹100,000 |
| Interest % | 19 % |
| Tenure (months) | 12 |
| Emi (monthly) | ₹ 9,216 |
| Total Interest | ₹ 10,588 |
| Loan Amount + Interest | ₹ 110,588 |
| Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ₹ 23,263 | ₹ 4,385 | ₹ 27,648 | ₹ 76,737 | 23.26 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ₹ 76,742 | ₹ 6,202 | ₹ 82,944 | ₹ 0 | 100.01 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Required Documents to Apply for Clix Capital Business Loan
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KYC of applicant & Co-Applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 3 year audited balance sheet of applicant
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Last 3 year Tax audit report of applicant
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Last 12 month Bank Statement of applicant & co-applicant
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26AS of last 2 year of applicant & co-applicant
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Copy of GST registration
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Copy of MSME registration
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Copy of Last 12 month GST return
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Sanction letter of all running loan
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Debt Sheet
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Latest utility Bill of residence if owned or rent agreement if rented
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Latest utility Bill of Office if owned or rent agreement if rented
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2 Reference with contact details
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Last 3 year Debtors & Creditors on letter head
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List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
Some Important Points
- Company-MOA, AOA, COI , PAN Card
- Partnership Firm/LLP- Partnership Deed & PAN Card
- Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
- KYC means Adhaar Card, PAN Card, Passport Size Photo
- Company : Directors
- Partnership firm/LLP : Partners
- Proprietorship Firm : Spouse of Proprietor
Note : Clix Capital Business Loan may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.
About Clix Capital Business Loan
Clix Capital Finance provides business and retail lending services and offerings to its clientele in order to meet their financial needs as well as promote growth in their companies. It provides a variety of unsecured as well as secured business loans, including working capital loans, POS loans, school finance loans, and corporate loans.
Clix Capital Finance Business Loans are available to private limited companies, sole proprietorships, partnerships, and closely held non-listed enterprises that only operate in the service, manufacturing process, and trading business sectors.
Save Your Time with a Simple Loan Process
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
FREQUENTLY ASKED QUESTIONS
To secure a business loan from Clix Capital, one can fill out a straightforward application form and upload the necessary documents via their website or app. Alternatively, you could visit any of their physical branches or reach out to their customer care for help.
There is no restriction on the purpose of the loan provided it is utilized for legitimate business needs. This could range from investing in working capital, expanding the business, buying machinery, etc.
The tenure of the business loan depends on your ability to repay and cash flow, with options varying from 12 to 36 months (48 months for self-employed professionals). No down payment is required for a Clix Capital business loan. The EMI and interest rate are determined based on your credit profile, the loan amount, tenure, and other factors.
There's no need for collateral, a guarantor, or security to obtain a business loan from Clix Capital. It's an unsecured loan that is based on your business's performance and creditworthiness.
To be eligible, you should be at least 24 years old when applying and below 65 at the end of the loan tenure. Your business should be a proprietorship, private limited company, closely-held non-listed company, or a partnership firm involved in manufacturing, trading, or services. You should report a minimum turnover of Rs 1 crore and have audited financial statements for the previous 24 months. The majority of your business transactions should be through a banking system or documented in your GST returns for the past 12 months.
Documentation required includes KYC documents for the applicant and co-applicant (if any), business proof documents, and financial documents.
Clix Capital claims a fast and efficient digital process with easy documentation requirements, allowing for instant approval and disbursal within a matter of hours after your online application and documents have been submitted.
The loan repayment can be done via equated monthly installments (EMIs) through various modes such as electronic clearing service (ECS), post-dated cheques (PDCs), or online transfers.
Yes, early repayment or foreclosure of the business loan is possible after a certain number of EMIs have been paid, as per the loan agreement. Prepayment or foreclosure charges may apply as per the terms of the loan.
The business loan from Clix Capital comes with several benefits like unrestricted end-use of funds, large loan amount without collateral, flexible repayment period, competitive interest rate, and a hassle-free loan process with minimal documentation and instant approval and disbursal.
Clix Capital primarily offers the Business Term Loan, an unsecured loan designed for high-cost investments. The loan amount ranges from INR 8 lakhs to INR 50 lakhs with flexible repayment options and tenures.
You can use the eligibility calculator and EMI calculator on the Clix Capital website or app to determine your eligibility and EMI for a Clix Capital Business Loan.
A business loan is a certain amount borrowed from any lender for the purpose of starting or expanding a business.
The minimum ROI of a Clix Capital Business Loan is 19.50% per annum
The maximum ROI of a Clix Capital Business Loan is 21.50% per annum
The highest loan amount you can avail with a Clix Capital Business Loan is Rs. 50 Lacs
The minimum loan amount you can avail of with a Clix Capital Business Loan is Rs. 8 Lacs.
The processing fee for the Clix Capital Business Loan is between 2% of your loan amount.
The minimum repayment tenure of a Clix Capital Business Loan is 12 months.
The maximum repayment tenure of the Clix Capital Business Loan is 36 months.
You can apply for a Clix Capital Business Loan if you are located anywhere in Delhi-NCR, Mumbai, Banglore, Chennai, Pune, Ahmedabad, Jaipur, Coimbatore, Hyderabad, Chandigarh, Pune, Rajkot, Surat, Vijayawada, or Hugli.
The required minimum business turnover to apply for a Clix Capital Business Loan is Rs. 1 crore
To apply for Clix Capital Business Loan your Minimum CIBIL score must be 675
No, to apply for a Clix Capital Business Loan your Minimum CIBIL score must be 675
Yes, to apply for the Clix Capital Business Loan your Minimum CIBIL score must be 675 only.
You can go to the official website of Clix Capital or you can also switch to ReferLoan for an easy and smooth loan application process.
The acceptance of a low cibil score for a Clix Capital Business Loan differs from case to case.
The minimum required age to apply for a Clix Capital Business Loan is 24
The maximum required age to apply for a Clix Capital Business Loan is 65
Yes, either office or residence property should be owned at the business place, to apply for a Clix Capital Business Loan.
No, Clix Capital does not offer an OD Limit on Business Loans.
If you are planning to apply for a Clix Capital Business Loan, your business’s minimum vintage must be 3 years.
Any Self-employed individuals can apply for a Clix Capital Business Loan
The requirement to provide a Co-applicant to apply for a Clix Capital Business Loan differs from case to case.
Yes, it is mandatory to provide Business Registration Proof to apply for a Clix Capital Business Loan.
No, you can’t apply for a Clix Capital Business Loan if you have a business related to Liquor.
No, any business of Real Estate is considered a negative profile in Clix Capital Business Loan.
No, any business related to the Civil Contractors is considered a cautious profile in the Clix Capital Business Loan.
Yes, you can get a Clix Capital Business Loan if you have a business related to the Schools.
No, Advocacy is considered as an adverse profile in Clix Capital Business Loan.
No, share traders are considered an adverse profile in Clix Capital Business Loan.
Yes, partial payment is allowed in a Clix Capital Business Loan
The foreclosure charges on a Clix Capital Business Loan is 4%
It is an unsecured loan so the applicant won’t need to provide any collateral.
No, Clix Capital requires 51% shareholding on its business loan if the applicant is an LLP/Partnership firm/Company.
Clix Capital takes 7 days for the disbursement of a personal loan
Clix Capital takes 2 days for the confirmation of a personal loan
Yes, you can apply for a Clix Capital Business Loan online
The processing mode of Clix Capital Business Loan is offline.
The customer care number of Clix Capital is +91-120-6465400
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