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Trustworthy Individuals

With high integrity and the intention and capacity to reimburse us.

Reliable Companies

Businesses with clear and consistent cash flows.

Reliable Buyers

Long and stable relationship with buyer improves approval rates

What is Invoice Discounting/ Receivable Financing?

A small business in India needs to critically manage its cashflows. A sufficient buffer in cashflows can ensure that small businesses can thrive in uncertain times. Invoice discounting also known as receivable financing or sales bill discounting, is a very short-term working capital financing vehicle. It allows small businesses to leverage their outstanding invoices to secure cash flow by taking loan against these invoices. It provides instant liquidity to cover their operational expenses, gear up for an upcoming sales season or any other expenses.

The Benefits of Invoice Discounting

Improved Cash Flow: One of the most significant advantages of invoice discounting is the immediate infusion of cash into your business. Rather than waiting for payment, you receive a sizeable portion of the invoice value upfront, helping you maintain a healthy cash flow to meet your day-to-day financial commitments.

Working Capital Flexibility: Invoice discounting gives you the flexibility to manage your working capital efficiently. You can access funds when needed, whether it is to cover payroll, invest in inventory, or take advantage of supplier discounts for early payments.

Quick Access to Funds: Traditional financing methods can be time-consuming and involve extensive paperwork. Invoice discounting, on the other hand, offers a streamlined process. You can often get approval and access funds faster, allowing you to respond quickly to emerging business needs.

Maintaining Customer Relationships: Invoice discounting is a confidential financing method, which means your customers may not even be aware of it. You maintain control over your customer relationships and collection processes, preserving your business’s reputation.

Scalability: As your business grows, so do your financing needs. Invoice discounting is a scalable solution. The more invoices you generate, the more funds you can access, making it an ideal choice for businesses on a growth trajectory.

Ticket Size20 Lakhs to 1 Crore (Unsecured),
Up to 3 Crore (Secured)
Invoice Tenure30 to 90 days
Interest Rate1.5% per month onwardsDiscount RateUp to 90% of the invoice value
Disbursement TimeLess than 24 HoursBorrower RatingCibil score > 700

Invoice Tenure30 to 90 days

Ticket Size20L to 1 Cr Unsecured
Upto 3 Cr Secured
Interest Rate1.5%/month onwards
Discount RateUpto 90% of the invoice value
Disbursement TimeLess than 24 Hours
Borrower RatingCibil score > 700

Is Invoice Discounting Right for Your Business?

Invoice discounting can benefit a wide range of businesses, particularly those that deal with B2B transactions and have outstanding invoices. It’s an excellent choice if:

  • Your business experiences seasonal fluctuations in cash flow.
  • You want to take advantage of growth opportunities without waiting for customer payments.
  • You need more certainty in your business cashflows. It ensures smooth business operations.
  • You prefer a financing solution that doesn’t require collateral.

We understand the complex business relations, the urgency of funds to satisfy short-term obligations, and provide customized service as an invoice discounting facility to assist small businesses like yours with their short-term requirements. We are committed to providing our customers with the best possible service and support. Our staff of experts is always accessible to address your concerns and maximize the utility of our invoice discounting facility. Contact us immediately to find out how we can assist you in achieving your goals.

How Invoice Discounting Works?

Invoice Generation

You provide goods or services to your customers and issue invoices as usual.

Invoice Submission

You submit the invoices to an invoice discounting service provider or financial institution.

Loan Approval

The provider evaluates the invoices and approves a certain percentage of their total value for immediate funding.

Loan Disbursal

You receive the approved funds, typically within 24 to 48 hours, which you can use to meet your business needs.


Within the stipulated duration, whenever your customers clear the bills, the lenders deduct their share and return you the remaining amount.


  • If the borrower is receiving payments from his buyer on a timely basis, he will be eligible for invoice discounting. Eligibility is also accessed by financial stability and creditworthiness

  • All sectors except construction and education are eligible for invoice discounting

Borrower Testimonials

“Thanks to Red Fort Capital, we were able to expand our presence in the global market with their quick funding process. With their support, we can offer our innovative alkaline black water to a wider audience and promote healthy living.”

Founder and MD, Evocus
Aakash Vaghela

“Red Fort Capital has amazed us with the 100 million INR disbursement within a record time of 8 days. With the speed capital provided by Red Fort Capital, we will be able to capitalize on time-sensitive opportunities and grow further.”

MD, Kanjiravelil Traders Private Limited
Jenny Varghese

“With Red Fort Capital’s support, we have been able to procure raw materials and meet the specific needs of our valued clients. We are grateful for their trust and partnership helping us expand our market share throughout Maharashtra.”

Owner, Olive Industries
Nisaar Sutar

"I needed funds to further expand my business and Red Fort Capital stood strong on their promise of speed and value creation. They understood the requirements of my business and were extremely transparent throughout the loan process."

Promoter, Brick & Byte Innovative Products
Prashant Kamat

"We’re truly amazed by the speed and enthusiasm with which Red Fort Capital disbursed the loan in a record time of 7 days and helped us capitalize on time-sensitive opportunities."

Mangesh Labade

"It will help us to enhance our medical infrastructure, expand our specialties and services, and meet the growing demand for quality healthcare in the region".

MD, Pancham Hospital
Dr. RP Singh

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