Unlock Instant Cash Flow with
Purchase Invoice Discounting
Convert your unpaid customer invoices into immediate cash. Bridge operational cash flow gaps without waiting 30–90 days for client payment cycles.
Sanction Rate
Up to 90%
Disbursal
24-48 Hrs
Collateral
Zero Needed
Key Eligibility Highlights:
- Business operational vintage of at least 1 to 2 years
- Minimum annual turnover of ₹50 Lakhs to ₹1 Crore
- Invoices raised against reputed corporate buyers, enterprise clients, or Tier-1 OEMs
- Valid GST registration with verified tax filing and raised invoices
Purchase Invoice Discounting Calculator
Estimate your immediate cash disbursal and discounting charges instantly.
Calculation Breakdown
Upfront Disbursal (T+1 Day)
₹4,40,137
Net Value Realized (Post Customer Payment)
₹4,90,137
Eligibility & Required Documents
Check if your business qualifies for Purchase Invoice Discounting and gather the required documentation for instant sanction.
Who Can Apply?
Business Type
Proprietorships, Partnerships, Private Limited Companies, and LLPs engaged in manufacturing, trading, or services.
Vintage & Operations
Minimum 2+ years of active business operations with a verifiable track record.
Annual Turnover
Minimum annual revenue threshold of ₹1 Crore+ with healthy cash flows and active billing.
Credit Score
Primary promoters should have a clean credit history with a CIBIL score of 700 or higher.
Required Documentation Checklist
Keep these documents handy for seamless digital verification.
Business Proof
- GST Registration Certificate
- PAN Card (Company & Promoters)
- Certificate of Incorporation / Partnership Deed
Financial Statements
- Last 2 years audited Financial Statements (P&L & Balance Sheet)
- Latest 12 months Bank Statements (All operational accounts)
- GST Returns (GSTR-1 & GSTR-3B) for the last 12 months
Transaction Proof
- Unpaid Purchase Invoices / Bills to be discounted
- Proof of Delivery (Lorry Receipt, Transporter Details, Ack. Slip)
- Accepted Purchase Order (PO) or Master Service Agreement
Why Choose FinLab.One?
We bridge the gap between unpaid invoices and immediate cash flow so you can focus on scaling your business without financial bottlenecks.
24–48 Hour Disbursal
Access funds within hours instead of waiting 30 to 90 days for client payments.
Up to 90% Sanction Limit
Unlock up to 90% of your total invoice value upfront to keep operations running smoothly.
Zero Collateral Required
Secure funding purely based on your invoice validity and buyers' credit strength without pledging assets.
Transparent & Low Rates
No hidden charges, annual maintenance fees, or unexpected penalties. Pay only for the credit period used.
100% Digital Workflow
Seamless online application, instant document verification, and automated limit tracking.
Dedicated Account Support
Get a dedicated relationship manager to assist with buyer onboarding and invoice discounting.
₹500+ Cr
Total Disbursed
1,200+
Active MSMEs
24 Hours
Avg. Turnaround Time
98%
Customer Satisfaction
Frequently Asked Questions
Everything you need to know about Purchase Invoice Discounting, interest rates, eligibility, and disbursal timelines.
Have More Questions?
Speak with our trade finance specialists to get a custom invoice discounting solution for your business.