Unlock cash from issued invoices

Invoice Discounting
Get Paid Faster.

Convert outstanding invoices into immediate working capital while your clients pay on their normal terms.

Flexible Credit Collateral-free funding against receivables

Funding Highlights

Get up to 90% of invoice value in 24–48 hours after verification.

  • Fast approval
  • High advance rates
  • Maintain buyer relationships
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How Invoice Discounting Works

Use your approved invoices to access liquidity without waiting for customer payment.

Invoice Eligibility

INVOICE AGE

Less than 90 days

BUYER QUALITY

Verified corporate clients

Required Documents

  • Signed Invoices: B2B invoices
  • Purchase Orders: Client PO or contract
  • Business Proof: GST, PAN, Bank Stmts

Key Terms

  • Advance Rate Up to 90%
  • Tenure 30 - 120 days
  • Discount Fee Competitive market rates

Invoice Discounting Benefits

Instant liquidity

Convert your unpaid invoices into immediate cash.

Improve cash flow

Maintain steady cash flow without waiting for payment cycles.

No collateral required

Unsecured financing against your invoices.

Quick approval

Get approved within 48 hours with minimal documentation.

Flexible terms

Choose invoices to discount based on your specific business needs.

Why SMESAATHI?

SMESAATHI provides new-age customized financing products for your business needs

Unlock working capital instantly
No collateral required
Competitive interest rates
Quick approval process
Flexible repayment options
Minimal documentation
100% digital process
No hidden charges

Frequently Asked Questions

Invoice discounting allows you to convert your unpaid customer invoices into instant cash. Instead of waiting 30 to 90 days for client payments, SMESAATHI advances a large percentage of the invoice value immediately, providing working capital to keep your business moving.
We typically require a minimum operational vintage of 3 years and a minimum annual turnover of ₹3 crores. We support various business entities including Public Limited, Private Limited, Partnerships, and Sole Proprietorships.
No, our invoice discounting facility is completely collateral-free. We evaluate the creditworthiness of your corporate clients and the validity of the invoices rather than asking you to pledge physical assets.
Thanks to our 100% digital process and minimal documentation requirements, approved invoices can be funded within 24 to 48 hours.
We offer confidential invoice discounting. This means your clients generally do not need to know about the financing arrangement, and you continue to manage your client relationships and collect payments as usual.
We offer highly competitive interest rates starting from 12% per annum, and you only pay interest on the exact amount utilized for the specific duration. We maintain complete transparency with no hidden charges.
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