RBI-registered NBFC partners

Turn unpaid invoices into cash in 24 hours

Stop waiting 60–90 days for supplier payments. Unlock up to ₹10 Cr against your purchase invoices - unsecured, fully digital, and available at competitive interest rates.

Quick disbursal process
No collateral required
Lowest interest rates
100% digital & secure
4.8/5
·500+ businesses funded·₹300 Cr+ disbursed

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Lowest

Interest rates

₹10 Cr

Maximum invoice value

₹500+ Cr

Disbursed

3 yrs

Minimum vintage

Why Choose Us

Why Choose Purchase Invoice Discounting?

Grow faster with instant liquidity. Large businesses often offer credit terms of 30, 60, or 90+ days. While sales increase, your working capital gets blocked — we unblock it.

Built for scale

Designed for SMEs with ₹50 Cr+ Turnover

Built for businesses that have:

  • Established supplier networks
  • Regular purchase cycles
  • Strong transaction history
  • High-volume procurement requirements
What you gain

Purchase Invoice Discounting helps you:

  • Improve cash flow instantly
  • Pay suppliers on time
  • Negotiate better purchase terms
  • Manage inventory cycles efficiently
  • Reduce dependence on traditional loans
Who Can Benefit

Tailored for businesses across the supply chain

Manufacturers

Manage raw material purchases and production cycles.

Distributors & Wholesalers

Maintain inventory without cash constraints.

Large Traders

Improve purchase capacity and supplier payments.

Growing Enterprises

Support expansion without increasing debt burden.

How it works

Simple 4-step process

From invoice upload to fund disbursement — in 24–48 hours.

  1. 1

    Upload invoices

    Submit your purchase invoices through our secure platform

    5 minutes
  2. 2

    Verification

    Automated verification of invoice authenticity and buyer credibility

    2–4 hours
  3. 3

    Approval

    Credit evaluation and discount rate determination

    12–24 hours
  4. 4

    Disbursement

    Funds transferred directly to your business account

    1 hour

Who can apply?

  • Registered business (Pvt Ltd, LLP, Partnership or Proprietorship)
  • Minimum 3 years of operational vintage
  • Annual turnover of ₹50 Cr or more
  • GST registered with regular filing
  • Invoices raised to creditworthy buyers
Not sure if you qualify? Get a free eligibility check in 60 seconds.

CredFund vs. Traditional Banks

CredFundTraditional
Disbursal time 72 hours15–30 days
Collateral Not requiredMandatory
Documentation Fully digitalBranch visits
Tenure flexibility Linked to collectionFixed EMIs
FAQs

Frequently asked questions

How quickly can I get funds against my invoice?+

Most approved invoices are disbursed within 24 hours of verification. First-time onboarding may take up to 48 hours.

Do I need to pledge any collateral?+

No. Purchase invoice discounting is unsecured — the invoice itself acts as the underlying asset.

What is the cost of invoice discounting?+

We offer the lowest interest rates in the market, calculated only for the period your invoice is funded. No processing fee on your first transaction.

What documents do I need?+

Basic KYC (PAN, GST, Aadhaar), last 12 months bank statements, last 2 years financials, and the invoices you want to discount.

Are my invoices and buyer information safe?+

Yes. We use bank-grade encryption and never share buyer details. Your data is processed under strict confidentiality.