Why Invoice / Bill Discounting?
Convert approved customer invoices into immediate working capital. Funding of up to 85% of invoice value, with anchor-led, blue-chip and SME buyer programs.
- Same-day funding
- Buyer-anchored programs
- Non-recourse options
- Digital onboarding
Start your application
Takes ~5 minutes. A relationship manager will respond within 1 business day.
Key terms at a glance
Built for growth businesses
Same-day funding
Discounted proceeds in the bank within 24 hours of invoice acceptance.
Buyer-anchored programs
Pre-approved limits with marquee buyers — no fresh sanction per invoice.
Non-recourse options
Insured non-recourse discounting available for select counterparties.
Digital onboarding
Invoice upload, buyer confirmation and drawdown — fully online.
What we'll need from you
- Sample invoices and ledger of buyers
- Top 10 customer concentration and ageing report
- Last 3 years audited financials and provisional FY
- Last 12 months banking statements (all operating accounts)
- Last 3 years ITRs of entity, partners and directors
- GST returns for the trailing 12 months
- KYC of entity, promoters, directors and partners
- Constitution documents (MOA/AOA / Partnership deed / Trust deed)
- Collateral documents — title deed, valuation report, chain of ownership
- Existing loan sanction letters and repayment track record
Don't have everything ready? Start the application — your RM will guide collection.
From application to drawdown in 7 days
- 01Apply online
Share business basics and KYC in under 5 minutes.
- 02Credit review
Our team evaluates business, collateral and structure within 48 hours.
- 03Sanction & e-sign
Receive a digital sanction letter and complete documentation online.
- 04Disbursement
Funds in your account in as fast as 7 days from sanction.
- 05Servicing
Track EMIs, statements and renewals from a single workspace.
Plan your monthly outflow
Indicative only. Actual rate, processing fee and structure are confirmed in the sanction letter.