Sales Invoice Discounting - Unlock Immediate Working Capital Without Waiting for Client Payments!

Key Loan Highlights

Loan Amount: Up to ₹50 Crores

Tenure: Up to 36 Months

Interest Rate: 2% per month (deducted upfront)

NBFC Processing Fee: 2% (deducted at disbursement)

Flexible Repayment: Every 90 days

Secure Escrow Mechanism: Linked directly to invoice proceeds.

Eligibility Criteria

Open to Companies – both Rated & Unrated

Must provide Property as Collateral

Specially designed for businesses facing:

 - High financial leverage

 - Low CIBIL score

 - CMR (Credit Monitoring Report) concerns

Why Choose This Facility?

This structured financing solution is ideal for businesses that require immediate liquidity but face challenges in accessing traditional credit due to leverage, rating, or credit score issues. With property-backed security and invoice-linked repayments, it ensures both flexibility and reliability.

Sales invoice discounting is a short-term financing method where a business sells its unpaid sales invoices to a third-party lender (like a bank) at a discount to receive immediate cash. 

Instead of waiting for the customer to pay the invoice on the due date, the business gets a percentage (often 70-90%) of the invoice value upfront, improving working capital and cash flow. 

The lender then collects the full payment from the customer on the due date, and the business receives the remaining balance (minus fees). 

This is a confidential process, allowing the business to maintain its relationship with the customer while managing immediate cash needs.  

How it works:

1. Raise an invoice:

The business sells goods or services to a customer and issues an invoice with payment terms. 

2. Sell the invoice:

The business sells this unpaid invoice to a finance company or lender at a discounted price. 

3. Receive funds:

The lender provides the business with a significant portion of the invoice value (e.g., 70-90%) upfront. 

4. Customer pays the lender:

On the due date, the business's customer pays the lender directly. 

5. Receive the remaining balance:

The lender releases the remaining balance of the invoice to the business, minus the discount fee charged. 

Key benefits:

Improved cash flow: Businesses gain immediate access to cash tied up in unpaid invoices. 

Enhanced working capital: Helps fund daily operations, growth opportunities, and financial stability. 

Confidentiality: The customer is unaware that the business is using external finance. 

No additional liability: Unlike a traditional loan, it doesn't add to the company's balance sheet liabilities. 

No collateral required (usually): Unlike a secured loan, it doesn't require specific assets as collateral beyond the invoices themselves. 

Get in Touch For detailed information and discussions:

WhatsApp: +91-98200-88394

Email: intellex@intellexconsulting.com

Intellex Strategic Consulting Private Limited

Sudheendra Kumar ( Mobile /WhatsApp: 91-9820088394)

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