Working Capital, Unlocked

Your invoices can pay you today.

Invoice discounting turns your trade invoices into immediate cash flow — whether you need to pay suppliers or unlock your own receivables. We structure and place both.

Purchase Invoice Discounting

Fund your supplier payments without touching working capital. Your approved purchase invoices are discounted by a financier, who pays the supplier while you repay at agreed terms.

Best for: Businesses that need to pay suppliers upfront but sell on credit.

Pay suppliers on time and negotiate better purchase terms
Tenor typically linked to your sales collection cycle
No hard collateral in many structures — invoices anchor the limit

Sales Invoice Discounting

Unlock cash locked in receivables. Raise funds against invoices you've raised on creditworthy buyers, instead of waiting 30–90 days for payment.

Best for: Businesses selling to corporates or government buyers on credit.

Convert receivables into cash within days of invoicing
Limits grow with your sales — no repeated sanction cycles
With or without recourse structures available

How it works

Share your invoices

Send us sample invoices, buyer details and your last 12 months of banking — we assess discountability within two working days.

We structure the limit

We approach the right financiers (banks, NBFCs, factors), negotiate pricing and get your limit sanctioned.

Draw funds per invoice

Upload invoices as you raise them; funds hit your account typically within 24–48 hours of acceptance.

Who qualifies

Business vintage of 2–3 years or more
GST-registered with consistent filing history
B2B invoices raised on creditworthy buyers
Clean banking with no cheque returns in recent months
Healthy buyer payment track record

Documents you'll need

KYC of the firm and promoters/directors
GST registration and last 6–12 months of returns
Bank statements for the last 12 months
Financial statements / ITRs for the last 2–3 years
Sample invoices, purchase orders and buyer agreements
Debtor ageing and sales ledger
Existing loan sanction letters, if any

Ready to discount your first invoice?

Share a few details — we'll respond within 1–2 business days.

Start an enquiry