Clix Capital Finance is one of the leading NBFCs that offers commercial and retail lending products and services to its customers to fulfill their working capital needs and for business expansion purposes. It offers a range of secured and unsecured business loans, including working capital loans, loans against electronic payments (POS Loans), school financing, and corporate loans.
Clix Capital Business Loan – Highlights
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Interest Rate | Depends on the applicant’s profile and business requirements |
Age Criteria | Min. 21 years and Max. 65 years |
Minimum Loan Amount | Rs. 5 lakh |
Maximum Loan Amount | Rs. 50 lakh |
Processing Fees | Up to 3% of the sanctioned loan amount |
Repayment Tenure | 12-36 months, 48 months for self-employed professionals |
Collateral/Security | Not required |
Business Loans offered by Clix Capital Finance can be availed by private limited companies, sole proprietorships, partnerships, and closely-held non-listed companies engaged only in businesses related to services, manufacturing, and trading sectors. Mentioned entities should also fulfill the below criteria to be eligible to avail business loans from Clix Finance Ltd.

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Eligibility Criteria
- Minimum business turnover – Rs. 1 crore
- Last 24 months’ audited financial statements
- Last 12 months’ GST returns
- Business existence for at least 3 years
Documents Required for Loan Application
- Duly filled application form along with Passport sized photographs
- Identity Proof – Passport, Aadhar Card, PAN card, Government ID (if an employee)
- Address Proof – Aadhar Card, Passport, Driving License, Voter ID
- Proof of ownership – In the name of The Applicant or Applicant’s spouse or parent
Financial Documents
- Last 6 months’ bank statements
- GSTIN
- PAN card – For Individuals, Firms, or Companies (whichever applying for a loan)
- Copy of recent ITR
- Audited balance sheet for last 2 year
- Profit & Loss statement of last 2 years
- Business existence proof for 3 years – Trade License, Establishment Certificate, ITR and Sales Tax Certificate

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Comparison of Business Loan Interest Rates offered by Top Banks/NBFCs
Bank/NBFCs | Interest Rate | |
Axis Bank | 14.95% - 19.20% p.a. | Apply Now |
Bajaj Finserv | 9.75% - 30% p.a. | Apply Now |
Flexiloans | 1% per month onwards | Apply Now |
HDB Financial Services Ltd. | Up to 36% p.a. | Apply Now |
HDFC Bank | 10% - 22.50% p.a. | Apply Now |
IDFC First Bank | 10.50% p.a. onwards | Apply Now |
Indifi | 1.50% per month onwards | Apply Now |
Kotak Mahindra Bank | 16% - 26% p.a. | Apply Now |
Lendingkart | 12% - 27% p.a. | Apply Now |
Mcapital | 2% per month onwards | Apply Now |
NeoGrowth Finance | 19% - 24% p.a. | Apply Now |
Tata Capital | 12% p.a. onwards | Apply Now |
UGRO Capital | 9% - 36% p.a. | Apply Now |
Note: Interest Rates are updated as on January 2023.
Loan Against Electronic Payments (LAEP) / Working Capital Loan
Features & Eligibility:
- Can be availed by Private Limited Companies, Sole Proprietorships, Partnerships, and Closely-Held Public Limited Companies
- Loan Amount: Min. 2 lakh and Max. 50 lakh
- Collateral Free Loan
- Pay EMIs daily with every swipe
- Repayment Tenure: From 6 to 18 months
- Minimum business existence required is 24 months
- Entity should be using PoS machine for at least 1 year
- Minimum card sales volume should be Rs. 2 lakh per month
- Ownership Proof in the name of the applicant or applicant’s spouse or parent
Also Read: Working Capital Loan – Interest Rate, Eligibility, Benefits & Formula
School Financing Loans / K-12 Loans
Features & Eligibility:
- Both secured and unsecured loans for schools
- Used for construction of new buildings, premises expansion, and repairing or renovation of existing buildings
- Loan Amount: From Rs. 10 lakh to maximum up to Rs. 7.5 crore
- Repayment Tenure: Maximum up to 10 years (5 years for unsecured loans)
- Age Criteria: Min. 21 years and Max. 65 years at the end of tenure (Min. 25 years for K12 loans)
- K12 schools should already be managed by Section 25 Company, Trust, or Society
- For loans up to Rs. 2 crores (Reporting Financials are not required)
- For loans above Rs. 2 crore – Reporting Financials are required for the last 2 years
- School should be existing and operational for the last 5 years (7 years for K12 loans)

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Fees & Charges
Fees and Charges – Unsecured Business Loans | |
Pre-payment charges | Less than 12 months – 6% of principal outstanding From 12-24 months – 5% of principal outstanding Above 24 months – 4% of principal outstanding |
Penal Interest | @up to 3% pm on EMI overdue |
PDC/NACH/ESC bounce charges | Up to Rs. 500 |
Swap charges | Up to Rs. 1000 |
Loan Cancellation charges | Up to Rs. 20,000 plus the applicable rate of interest |
Document Retrieval | Up to Rs. 1000 |
Issuance of NOC | Up to Rs. 500 |
Issuance of Statement of Account | Up to Rs. 500 |
Any change or modification | Up to 2% of the outstanding amount |
Fees and Charges – Corporate Loans (CAG) | |
Foreclosure Charges | Up to 2% |
Processing Fees | Up to 2.5% of the loan amount |
Default Interest Range | Up to 2% |
PDC/NACH/ESC bounce charges | Up to Rs. 1000 |
Swap charges | Up to Rs. 1000 |
Issuance of NOC | Up to Rs. 500 |
Issuance of Statement of Account | Up to Rs. 500 |
EMI cycle repayment date change | Up to Rs. 1000 |
Issuance of duplicate Income Tax Certificate | Up to Rs. 500 |
Note: All the mentioned interest rates, fees and charges are subject to change and depends on the sole discretion of the NBFC and RBI. GST and service tax shall be levied extra on the mentioned charges.

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Additional Types of Business Loans from Clix Capital
- Secured Business Loans
- Vehicle Leasing
- Healthcare and Industrial Equipment Loans
- Corporate Loans
Customer Care
Toll-Free Number: 1800-200-9898
email: hello@clix.capital