Receivables & trade
Invoice Discounting Calculator
See the net amount you could receive against an invoice after interest and fees.
Supply chain finance
Invoice Discounting – Get Funds Against Unpaid Invoices
Convert outstanding invoices into immediate business liquidity
Waiting 30, 60 or more days for customers to pay can put pressure on your working capital.
Invoice Discounting enables eligible businesses to raise funds against qualifying invoices before their contractual payment date.
This can help businesses continue purchasing, producing and selling without waiting for every receivable to be collected.
Benefits
- Unlock liquidity from unpaid invoices
- Improve working-capital availability
- Reduce dependence on customer payment cycles
- Fund inventory and supplier payments
- Support increasing sales
- Maintain smoother operational cash flow
- Better align receivables with business expenses
Who Can Apply?
Potential applicants include:
- Manufacturers
- Distributors
- B2B suppliers
- Contractors
- Service providers
- MSMEs
- Businesses supplying established corporate customers
How the money flows
Exact terms depend on the lender and the facility.
- 01
You deliver and raise an invoice on your customer.
- 02
The lender advances an agreed share of the invoice value.
- 03
Your customer pays on the due date.
- 04
The lender settles the advance; any balance after charges comes to you.
Documents usually needed
Not needed to enquire. Lenders may ask for more or fewer, depending on the facility.
Proprietorship
- PAN and Aadhaar of the proprietor
- Business proof: GST registration, Udyam certificate or shop licence
- Bank statements for the last 6–12 months
- Income tax returns and financial statements for the last 2–3 years
Partnership or LLP
- Partnership deed or LLP agreement, and firm PAN
- PAN and Aadhaar of the partners
- GST registration and business address proof
- Bank statements for the last 6–12 months
- Income tax returns and financial statements for the last 2–3 years
Company
- Certificate of incorporation, MoA and AoA, and company PAN
- PAN and Aadhaar of the directors
- GST registration and a board resolution for the borrowing
- Bank statements for the last 6–12 months
- Audited financial statements for the last 2–3 years
Also for Invoice Discounting
- The invoices to be discounted, with proof of delivery
- Debtors ageing statement
Run the numbers
Indicative estimates, calculated in your browser.
Receivables & trade
Invoice Finance Cost Calculator
Compare the total and simple annualised cost of financing an invoice.
FAQs
Questions about Invoice Discounting
What is Invoice Discounting?
It is financing against eligible outstanding trade receivables or invoices.
Does it require collateral?
The primary basis may be eligible receivables, but additional security requirements depend on lender and facility structure.
What happens when the customer pays?
Repayment and settlement occur according to the agreed invoice-financing arrangement.
Are all invoices eligible?
No. Lenders assess the buyer, invoice, transaction, ageing and other risk factors.
Can Invoice Discounting be used regularly?
Revolving or ongoing facilities may be available for qualifying businesses.
Why Loan2Business?
- Multiple finance solutions under one platform
- Solutions for MSMEs, manufacturers, traders and service businesses
- Secured and unsecured lending options
- Working-capital and supply-chain financing
- Assistance with loan documentation and application
- Access to financing options from eligible lenders
Invoice Discounting
Stop Waiting for Your Receivables
Convert eligible invoices into usable business liquidity.
Transparent by design
- Fees, where applicable, are disclosed in writing before you proceed.
- We never guarantee approval—final credit decisions and terms remain with the respective lender.
- We never ask for OTPs, passwords or unauthorised payments.
Offices in Mumbai & Pune · Supporting businesses across India
Tell us what you need
A funding specialist will get back to you with options for your business.
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