Invoice Financing & Bill Discounting

Unlock working capital trapped in receivables. Get up to 90% advance on B2B invoices within 24–72 hours — no collateral, no waiting.

Overview

Invoice Financing lets your business borrow money against unpaid invoices, while Bill Discounting allows you to sell those invoices to a bank or NBFC at a discount for immediate cash. Instead of waiting 30–90 days for buyers to pay, you receive 70–95% of the invoice value upfront, helping you maintain healthy cash flow. ZatpatLoans.com connects you with banks, NBFCs, and TReDS platforms (RXIL, M1xchange, Invoicemart) so MSMEs and traders supplying to corporates and PSUs can scale faster without collateral.

Key Features

No Collateral Required

Funding is based on invoice and buyer creditworthiness — not your assets.

Quick Disbursal

Get funds within 24–72 hours of invoice verification.

High Advance Rate

70%–95% of invoice value funded upfront.

Scalable Funding

More sales = more funding. Limit grows with your business.

Recourse & Non-Recourse

Choose risk allocation — share or transfer buyer default risk.

TReDS Access

Government-backed digital platforms for MSMEs supplying to corporates.

Quick Apply

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Other Services

Eligibility Criteria

  • B2B businesses with credit sales — MSMEs, traders, manufacturers
  • GST-registered firms with consistent invoice generation
  • Buyers with strong creditworthiness (corporates, PSUs preferred for TReDS)
  • Minimum 1–2 years of business operations with banking discipline
  • Not suitable for cash businesses or B2C-heavy operations

Documents Required

  • KYC: PAN, Aadhaar of proprietor/directors
  • Business registration / GST certificate
  • Last 6–12 months bank statements
  • Last 12 months GST returns (GSTR-1 and GSTR-3B)
  • Copy of unpaid invoices to be financed
  • Purchase orders / supply agreements with buyers
  • Buyer details and previous payment track record

Application Process

1

Apply with business and buyer details; lender evaluates invoice and buyer credit

2

Submit invoices with PO / agreement for verification and assignment

3

Lender disburses 70%–95% of invoice value to your account

4

Buyer pays on due date; lender deducts fees and remits the balance to you

Best Tips for Invoice Financing & Bill Discounting

1

Use TReDS platforms when supplying to large corporates — interest rates are lowest.

2

Choose non-recourse financing if you cannot bear buyer default risk (slightly costlier).

3

Maintain clean GST and banking records for higher limits and lower discount rates.

4

Avoid concentration risk — diversify across multiple buyers.

5

Compare invoice financing vs cash credit — invoice finance is faster but costlier.

6

Use only for true working capital needs; not suitable for long-term capital expenditure.

Calculator

EMI Calculator

Plan your finances with our easy-to-use EMI calculator. Get instant results for any loan amount.

₹10,00,000
₹1L₹5Cr
8.5% p.a.
5%25%
20 Years
1 Year30 Years
Monthly EMI₹8,678
Principal Amount
₹10,00,000
Total Interest
₹10,82,776
Total Payment₹20,82,776
FAQs

Invoice Financing & Bill Discounting FAQs

Common questions about invoice financing & bill discounting services.

Invoice Financing is a loan against your invoice — you retain control and the lender holds it as collateral. Bill Discounting is a sale of the invoice to the bank, which then collects payment from the buyer. Bill discounting is more formal and is often cheaper for buyers with strong credit.

Get the Best Invoice Financing & Bill Discounting Deal Today

Compare rates from 125+ banks. Our experts will find the perfect invoice financing & bill discounting for you.

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