Running a business comes with financial challenges, especially when payments from clients take time. Invoice Discounting is the perfect solution to maintain cash flow without waiting for invoice settlements. At Anupam Finserv, we offer seamless Bill Discounting services, enabling businesses to unlock funds instantly.
Invoice Discounting (also known as Bill Discounting) is a short-term financing solution where businesses can raise funds against unpaid invoices. Instead of waiting for customers to clear payments, you can get immediate cash by discounting your invoices with Anupam Finserv – a trusted Invoice Discounting Platform.
Instant Cash Flow
Improve working capital without taking on debt.
Business Growth
Take on new projects without worrying about cash constraints.
No Collateral Required
Invoices act as security; no additional assets are needed.
Retain Customer Relationships
Your buyers can still pay as per their agreed credit terms.
Our Bill Discounting Facility is ideal for:
- MSMEs looking for quick working capital.
- Businesses with pending invoices from large corporations or government entities.
- Companies engaged in B2B transactions.
- Firm’s registeration certificate
- Firm’s PAN card
- Aadhar and PAN card of director/partner/proprietor
- GST certificate
- COI, AOA, MOA/LLP deed/Partnership deed
- Invoices and GRN of the vendors
- Additional as per internal policy
- ITR of 2 years along with competition
- GST return for 1 year
- 12 months bank statement
Invoice Discounting (also known as Bill Discounting) is a financing solution that allows businesses to access immediate funds by leveraging their unpaid invoices. Instead of waiting for customers to pay, MSMEs and businesses can discount their invoices with Anupam Finserv and receive a percentage of the invoice value upfront.
- Anupam Finserv provides a loan against the unpaid invoices.
- We provide an advance payment (typically up to 80% of the invoice value).
- The customer makes the full payment on the due date.
- The remaining balance, after deducting our fees, is then paid to the business.
- MSMEs and businesses with pending invoices from creditworthy buyers.
- Companies engaged in B2B transactions with large corporations, government entities, or reputed organizations.
- Businesses needing quick working capital to manage cash flow.
- Immediate Cash Flow: Get funds without waiting for the invoice payment cycle.
- No Collateral Required: Invoices act as security, so no additional assets are needed.
- Growth Opportunity: Enables businesses to take on new orders without cash constraints.
- Maintains Business Relationships: Buyers can still pay as per agreed terms without disruption.
- The business should have a stable turnover and be operational for a certain period.
- The invoices should be raised against creditworthy buyers.
- Invoices should be undisputed, valid, and due within a defined credit period.
- The company should comply with basic financial and documentation requirements.
- KYC documents of the business and promoters.
- Business financial statements for the past 1-2 years.
- GST returns and bank statements.
- Copies of unpaid invoices and buyer details.
- Agreement or contract with the buyer (if applicable).
The discounting limit depends on various factors, such as:
- Business turnover and financial health.
- Creditworthiness of the buyer.
- Invoice amount and due date.
- Anupam Finserv evaluates each case and offers the best possible financing limit.
Our charges typically include:
- Discounting Fee: A percentage of the invoice value.
- Processing Fee: A nominal charge for document verification.
- Other Charges (if any): As per agreement.
Upon successful verification of invoices and documents, funds are disbursed within 24-48 hours, ensuring a seamless experience for businesses
Invoice Discounting allows businesses to access funds tied up in unpaid invoices, providing quick liquidity without taking on long-term debt. The loan is repaid when the customer pays the invoice.
Traditional Business Loans, on the other hand, provide a lump sum amount based on creditworthiness, require fixed repayments over time, and often involve collateral.
Key Difference? Invoice Discounting is a short-term cash flow solution based on receivables, while Business Loans are long-term financing options for growth and expansion.
Feature | Invoice Discounting | Traditional Business Loan |
Collateral | No additional collateral required | Often requires collateral |
Processing Time | Faster (24-48 hours) | Lengthy process |
Repayment | Self-liquidating (repaid when customer pays) | Monthly EMIs required |
Purpose | Working capital needs | Business expansion, asset purchase, etc. |
Yes! Businesses can continuously discount invoices to maintain a steady cash flow and grow without liquidity constraints.
Anupam Finserv follows strict due diligence and compliance procedures to ensure a safe and transparent process. All transactions are legally documented, and client confidentiality is maintained.
You can apply by:
- Visiting Anupam Finserv’s website
- Contacting our customer support team
- Submitting the required documents online or at our office
Invoice Discounting is a simple and efficient way to access quick cash flows. We advance a percentage of your submitted invoice amount instantly, and the remaining balance is paid to us once your vendor settles the invoice.
Enjoy accelerated cash flows without waiting for lengthy payment cycles, freeing up your working capital for growth.
Vendors who meet our internal policy criteria can benefit from Invoice Discounting. Our team will guide you through the process.
We accept invoices for payment receivables, helping you unlock cash tied up in outstanding payments
Our internal policy and vendor category determine the borrowing amount. We’ll help you determine the perfect fit.
Yes, you can discount invoices from multiple customers, streamlining your cash flow management.
Currently, we only accept domestic invoices for discounting.
No, we only accept outstanding invoices that are not yet overdue.
Yes, our solution supports recurring invoices, providing consistent cash flow support.
We assess these on a case-by-case basis, at the sole discretion of AFL
Don’t let unpaid invoices slow down your business growth. Get started with Invoice Discounting at Anupam Finserv and enjoy instant cash flow.
Step 1
Apply for Loan
Step 2
Our team will contact you
Step 3
Credit check
Step 4
Sanction of loan
Step 5
Disbursal documentation
Step 6
Disbursal of Loan