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Unsecured Business Loans
Clix Capital Ltd, headquartered in Gurugram, is a digital-first NBFC in India, known for data-driven lending, customised MSME finance solutions, and fast, transparent credit access for growing businesses.
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⚡ Clix Capital Ltd Unsecured Business Loan – Flexible Funding Without Collateral.
Clix Capital Unsecured Business Loan is a collateral-free loan approved based on your income, cash flow, and credit profile. You don’t need to mortgage property, making it ideal for fast business needs.
📊 Clix Capital Unsecured Business Loan – Types & Features
Explore Clix Capital Unsecured Business Loan types with interest rates, loan amount, tenure and processing fees.
📋 Loan Types & Key Details
| Loan Type | Interest Rate* | Loan Amount | Maximum Tenure | Processing Fee |
|---|---|---|---|---|
| MSME Business Loan | From ~13.99% p.a. | ₹1 Lakh – ₹50 Lakhs | Up to 48 months | Up to 3% + GST |
| Working Capital Loan | Profile-based | Up to ₹40 Lakhs | Up to 36 months | As applicable |
| Professional Loan | Risk-based | Up to ₹60 Lakhs | Up to 48 months | Up to 2.5% + GST |
| Small Business Loan | Customised | ₹1 Lakh – ₹30 Lakhs | Up to 36 months | As per offer |
*Rates depend on credit score, bank credits, and business stability.
💡 PoketCare Pro Tip
Clix Capital is flexible for new-age businesses and service professionals with clean banking records.
🎯 Purpose of Clix Capital Unsecured Business Loan & Ideal Borrowers
Know the usage and ideal borrower profile for Clix Capital Unsecured Business Loan.
✅ Permitted Uses
- Working capital & vendor payments 💸
- Business expansion or renovation 🏢
- Technology & equipment purchase 💻
- Marketing & digital campaigns 📢
- Emergency business expenses 🚨
👥 Ideal Borrowers
- Applicant: Business owner / professional aged 23–65
- Co-Applicant: Spouse or partner (income clubbing allowed)
💡 PoketCare Pro Tip
Co-applicants with stable income can increase loan size and approval speed.
🛡️ Insurance Recommendation – Secure Your EMIs
Recommended insurance plans to protect Clix Capital Business Loan EMIs.
🔐 Suggested Insurance Plans
- HDFC Life Credit Protect
- ICICI Lombard Loan Protection Insurance
Why Insurance Matters:
- EMI support during illness or accident
- Business continuity assurance
- Financial safety for family 👨👩👧
💡 PoketCare Pro Tip
Loan insurance costs less than one EMI but protects your credit history.
✅ Eligibility Criteria – Clix Capital Unsecured Business Loan
Check Clix Capital Business Loan eligibility, minimum income and income-clubbing options.
📌 Basic Eligibility
- Indian resident
- Business vintage: Minimum 1–2 years
- CIBIL Score: 650+ preferred
- Active business bank account
💰 Minimum Income Requirement
- Self-Employed: ₹2.5–3.0 Lakhs average monthly bank credit
- Professionals: ₹3.0 Lakhs+ monthly gross receipts
➕ Other Income Considered
- Rental income
- Partner/share income
- Secondary business income
- Spouse income (case-specific)
💡 PoketCare Pro Tip
Even if ITR income is low, strong bank credits can still qualify you.
📑 Documents Checklist – Easy & Digital
Document checklist for Clix Capital Unsecured Business Loan applicants.
🧾 Salaried (Sometimes Applicable)
- PAN & Aadhaar
- Last 6 months bank statements
- Latest salary slips
- Address proof
🧾 Self-Employed / Business Owners
- PAN & Aadhaar
- Business proof (GST / Shop Act / Udyam)
- Last 6–12 months bank statements
- ITR (1–2 years, if available)
💡 PoketCare Pro Tip
Clix Capital supports digital-only documentation, speeding up approvals.
💸 All Charges – Pre & Post Disbursement
Understand all charges before and after Clix Capital Unsecured Business Loan disbursement.
| Charge Type | Details |
|---|---|
| Processing Fee | Up to 3% + GST |
| Documentation Charges | Nil / Included |
| Foreclosure Charges | 3–5% (as per tenure) |
| Part-Payment Charges | As per sanction terms |
| EMI Bounce Charges | ₹500–₹750 |
| Late Payment Penalty | As per policy |
| GST | Applicable as per law |
💡 PoketCare Pro Tip
Foreclosure rules differ by offer—PoketCare ensures complete clarity before disbursal.
🌟 Benefits of Clix Capital Unsecured Business Loan via PoketCare
Benefits of applying Clix Capital Business Loan through PoketCare.
- ⚡ Faster approvals with digital underwriting
- 📉 Flexible repayment structures
- 📞 Dedicated PoketCare loan expert
- 📄 Minimal paperwork
- 🔍 Transparent offer comparison
- 🎯 Higher approval probability
💡 PoketCare Pro Tip
Applying blindly to multiple lenders lowers CIBIL—PoketCare applies only where you qualify.
🔗 Useful Full Links for Business Loan Borrowers
- Clix Capital Official Website:
- https://www.clix.capital
- PoketCare Business Loan Page:
- https://www.poketcare.com/business-loan
- EMI Calculator:
- https://www.poketcare.com/emi-calculator
- Free CIBIL Score Check:
- https://www.poketcare.com/cibil-score
🏁 Conclusion – Smart Capital for Growing Businesses
A Clix Capital Ltd Unsecured Business Loan is ideal for entrepreneurs seeking flexible, data-driven funding without collateral. With PoketCare, you get expert guidance, transparent offers, and higher approval chances—without harming your credit score.
👉 Apply once. Compare smart. Grow confidently with PoketCare. 🚀