For Established Suppliers

Don’t wait for buyers
to pay. Get funded
today.

Unlock up to 85% of your invoice value up to ₹5 Crore for up to 120 days against invoices raised on reputed buyers.

85%

Invoice funding up to
 

₹5 Cr

Limit up to

120 days

Tranche up to

Interest from 14% p.a.* Final terms depend on lender policy and profile.

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85%

Invoice value funded

₹5 Cr

Supplier-level limit

120

Days tranche

14%*

Starting interest p.a.

OVERVIEW

What is Sales Invoice Discounting?

You supply goods to a reputed buyer and raise an invoice. Instead of waiting for the due date, you get up to 85% of the invoice valueupfront — and the buyer repays the lender when the invoice falls due.

Built for established manufacturers and traders with a strong buyer base and regular invoice-based sales.

01

You raise an invoice on a reputed buyer

02

Buyer confirms and approves the invoice

03

Up to 85% is paid to you upfront

04

Buyer repays on the due date

FEATURES & BENEFITS

Turn receivables into working capital

01

Up to 85% Funding

No need to mortgage property or provide security for covered loans.

02

Up to ₹5 Crore

Supplier-level limit up to ₹5 Cr; can be extended beyond as per collateral policy.

03

Tranche up to 120 Days

Fund invoices for up to 120 days.

04

Direct Disbursement

Funds are released directly to you, the supplier, against approved invoices.

05

Faster Liquidity

Turn receivables into cash without waiting for buyer payment.

06

Simple Documentation

Invoice-based funding with straightforward paperwork.

THE PROCESS

From invoice to funds

Identify Buyers

Pinpoint the reputed buyers you supply to.

Supplier Assessment

We evaluate your profile, banking and buyer details.

Buyer Validation

Buyer confirmation and invoice approval are obtained.

Disbursement

Funds are released to you against approved invoices.

Repayment

The buyer repays on the due date (you may repay if required).

ELIGIBILITY & DOCUMENTS

Do you qualify?

CUSTOMER TYPE

Manufacturing & Trading

Established businesses

TRACK RECORD

Established Supplier

Supplying to reputed buyers

TURNOVER

₹100 Cr & Above

Borrower turnover

INVOICES

Regular Sales Invoices

Genuine, invoice-based sales

BANKING

Healthy Conduct

Adequate average bank balance

BUYER

Confirmation Available

Buyer confirms and approves invoices

Terms at a glance

Funding

Up to 85% of invoice

Limit

Up to ₹5 Cr*

Tranche

Up to 120 days

Processing fee

Up to 2%

Interest

From 14% p.a., upfront

On early repayment

Interest refunded

*Can be extended beyond ₹5 Crore as per collateral policy. Industry coverage as per lender policy.

FAQS

Frequently asked questions

What is a CGTMSE loan?

A collateral-free business loan scheme backed by the Government of India for micro and small enterprises. The Credit Guarantee Fund Trust provides a credit guarantee to the lender, so you can borrow without pledging security.

Who is eligible?

New and existing micro and small enterprises with a viable business, a valid Udyam Registration and no previous loan defaults.

What is the maximum loan amount?

Up to ₹2 Crores.

What documents are required?

KYC details, Udyam Registration, a project report, business proof and financial statements.

Is any collateral or guarantor required?

No collateral or third-party guarantor is required for loans covered under the scheme.

What is Udyam Registration?

It is the Government of India’s registration for micro, small and medium enterprises. A valid Udyam certificate is mandatory for CGTMSE-covered loans.

How long does approval take?

Loans are typically approved within a few working days, subject to lender verification and complete documents.

GET STARTED

Faster liquidity, backed by
your best buyers.

Speak to a Networth advisor today no obligation, complete clarity.