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Turn Invoices into Immediate Working Capital
Stop waiting 60–120 days for payments. Discount your trade receivables and unlock cash the day you raise the invoice — with or without recourse.
Funding Amount
₹50 Lakh – ₹100 Cr
Approval Timeline
5–15 days setup
Pricing
0.75% – 1.5% per month
About Bill Discounting
Every invoice you raise on credit is an interest-free loan to your customer. For businesses supplying corporates on 60, 90 or 120-day terms, receivables quietly become the largest use of capital on the balance sheet — capital that could be funding the next order instead.
Bill discounting reverses the equation. A bank or financier pays you most of the invoice value upfront (typically 80–90%) and collects from your buyer at maturity. Strong buyers make even modest suppliers financeable, because the credit decision rests on the payer, not the seller.
LOANYARD CAPITAL sets up discounting programmes across the spectrum: bank bill limits, NBFC invoice finance, factoring with collection services, non-recourse structures that transfer buyer default risk, and TReDS onboarding for MSMEs supplying large corporates. We match the structure to your buyer profile and negotiate discount rates that respect your margins.
Key Benefits
Who Should Apply
- Suppliers to corporates and PSUs on credit terms
- Manufacturers with 60–120 day receivable cycles
- Service providers billing enterprise clients
- Distributors managing seasonal cash-flow humps
- MSMEs eligible for TReDS platforms
Eligibility
- Invoices on creditworthy corporate/PSU buyers
- Undisputed, accepted receivables
- Business vintage of 1–2 years
- GST-registered transactions
- Buyer concentration within programme norms
Documents Required
- Business KYC and GST registration
- Buyer list with dealing history
- Sample invoices and POs
- 12-month bank statements
- Last 2 years financials
- Receivables ageing summary
Industries Served
Our Process
Buyer Assessment
Your receivable book is mapped by buyer quality.
Programme Design
Bank, NBFC, factoring or TReDS — optimally selected.
Limit Setup
Limits sanctioned per buyer or across the pool.
First Discounting
Invoices submitted, cash credited within 24–48 hours.
Rolling Utilisation
Continuous discounting as invoices are raised.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage