Unlock Cash from Your Invoices & Receivables
Short-term vendor and invoice financing to unlock cash tied up in outstanding invoices and receivables — maintaining smooth operations without waiting 30–90 days for customer payments.
₹5L+
Min Invoice
1.2%
Rate From (pm)
24 hr
Advance Time
Get Your Loan Offer
Free eligibility check · No impact on CIBIL score
Loan Coverage
What Can Be Financed?
Invoice Discounting
Sell outstanding invoices at a discount to get immediate cash — without waiting for the buyer to pay. Advance up to 90% of invoice value.
Bill Discounting
Short-term funds against bills of exchange or trade receivables — ideal for businesses with creditworthy buyers but long payment cycles.
Supply Chain Financing
Allow your vendors to get paid early using your receivables as anchor — strengthening your supply chain while optimising your payables.
Purchase Order Financing
Finance the procurement cost of goods against confirmed purchase orders — execute large orders without tying up working capital.
Dealer / Channel Financing
Give your distributors and channel partners access to credit lines backed by your invoices — accelerating downstream sales.
Factoring & Reverse Factoring
Full factoring arrangements where Finseich's partners manage your receivables ledger, collections and credit risk — freeing your team entirely.
Getting Started
How the Loan Process Works
Receivables Assessment
Our team reviews your outstanding invoices, buyer quality, and average collection period to design the right invoice financing structure for your business.
Lender Match & Limit Setup
We match your invoice portfolio with the right lender — bank, NBFC, or fintech — and get a pre-approved revolving limit set up against your receivables.
Ongoing Advances & Collections
Draw advances against each new invoice as it's raised. Repay as buyers settle invoices. Your limit replenishes automatically — no repeated paperwork.
Eligibility
Who can apply?
Business Type
Proprietorship, Partnership, Private Limited Company or LLP with active invoicing
Minimum Turnover
₹25 Lakhs+ per annum with regular GST filing (monthly or quarterly)
Invoice Quality
Invoices raised to established companies with good payment track records
Bank Account
Active current account with minimum 3 months transaction history
CIBIL Score
650+ (some NBFCs accept lower scores for strong invoice portfolios)
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Documents Required
- →GST Registration Certificate
- →Last 6 Months Bank Statements
- →Outstanding Invoice Copies (to be financed)
- →Buyer Confirmation / Acknowledgement
- →Business Registration / KYC Documents
- →Promoter PAN & Aadhaar
- →Last 1 Year ITR (if available)
- →GST Returns — Last 6 Months
Calculator
EMI Calculator
Common Questions
Frequently Asked Questions
In invoice discounting you retain control of collections and the financing is confidential to buyers. In factoring, the financier takes over collections. Both are available through Finseich.
In confidential discounting, your buyer is not notified. In factoring, payment instructions are redirected to the lender's escrow account.
Typically 80–90% of the invoice value is advanced immediately. The remaining 10–20% (less fees and interest) is paid once your buyer settles.
Yes — invoice financing is based on your buyer's creditworthiness, not your own track record. If your buyers are established companies, you can often get financing even with a short business history.
Ready to get started? We're here to help.
Free consultation, no obligations. End-to-end support from eligibility check to final disbursal.