Invoice Discounting & Bill Finance

Unlock working capital against eligible unpaid business invoices.

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We do not publish fixed rates. Interest rate, amount and tenure are decided by the lender based on your profile.

Check your loan options

Takes about a minute. We call you back within 10 minutes in working hours.

Step 1 of 4Your requirement
Which loan do you need? *
₹
₹1 L₹5 Cr
Applying as *
GST registered? *
File income tax returns? *
No CIBIL score needed. We look at your turnover and bank statements instead.

Checking options does not affect your credit score.

Overview

Invoice finance lets you access funds against eligible unpaid invoices raised on your customers, so you don’t have to wait 30, 60 or 90 days to get paid. Eligibility often depends on the quality of your buyer as well as your own business profile.

Who it is suitable for

  • Suppliers to large corporates, PSUs and established buyers
  • MSMEs with long credit periods
  • Businesses registered on platforms such as TReDS (where applicable)
  • Exporters and B2B service providers

Possible use cases

Bridging the gap until customer paymentFunding new ordersManaging supplier paymentsImproving cash flow without long-term debt

General eligibility factors

Lenders typically look at the following. There is no single fixed criterion — each lender applies its own policy.

  • Quality and track record of the buyer
  • Invoice value and credit period
  • Your business vintage and turnover
  • GST compliance
  • Past transaction history with the buyer

Documents generally required

  • PAN
  • Aadhaar / permitted identity documents
  • Business registration documents
  • GST registration
  • Udyam registration
  • Business address proof
  • Bank statements
  • Income Tax Returns
  • GST returns
  • Profit & Loss statement
  • Balance Sheet
  • Existing loan statements
  • Property documents for secured loans

The actual document requirement varies according to the lender, product and applicant profile.

How the process works

  1. 01

    Tell us your requirement

    Share basic details about your business and the funding you need.

  2. 02

    We understand your business

    A finance advisor reviews your profile and requirement.

  3. 03

    Explore suitable options

    We help identify potentially suitable lending partners.

  4. 04

    Application & lender decision

    Complete documentation with the selected lender, who takes the final decision.

FAQs

How much of the invoice can be financed?

Lenders typically fund a portion of the invoice value. The exact percentage depends on the lender and buyer profile.

Does my customer need to know?

Some structures require buyer acknowledgement; others may not. It depends on the product and lender.

What is TReDS?

TReDS is an RBI-regulated platform for discounting MSME invoices raised on eligible buyers. We can help you understand whether it fits your case.

Important: MyBusinessLoans.in is a financial services facilitator and does not itself represent that it is a bank or lending institution. We assist customers in exploring financing opportunities from participating lending partners. Loan approval, sanction amount, interest rate, processing fees, tenure and all other lending terms are determined solely by the respective lender based on its policies and the applicant's eligibility. Submission of an application or enquiry does not guarantee approval or disbursement.