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Factoring: Receivables Funded, Collections Managed
Sell your receivables for immediate cash — with sales-ledger management and non-recourse protection against buyer default.
Funding Amount
₹1 Cr – ₹100 Cr
Approval Timeline
2–3 weeks setup
Pricing
9% p.a. onwards
About Factoring Finance
Factoring goes beyond discounting: the factor advances up to 90% against your invoices, manages your sales ledger and collections, and — in non-recourse structures — absorbs the risk of buyer default. For businesses selling to many corporate buyers, it is working capital and credit management in one instrument.
LOANYARD CAPITAL structures domestic and export factoring with banks and RBI-registered factors, matching programme design to your buyer spread, and advising where factoring beats bill discounting or CC limits on true cost.
Key Benefits
Who Should Apply
- Suppliers with many corporate buyers
- Exporters on open-account terms
- Businesses spending heavily on collections
- Firms seeking balance-sheet-light funding
Eligibility
- Creditworthy, diversified buyer base
- Undisputed receivables with clean history
- 1–2 years operating vintage
- GST-compliant invoicing
Documents Required
- KYC of promoters and business entity
- Last 2–3 years financial statements / ITRs
- Last 12 months bank statements
- GST returns where applicable
- Existing loan sanction letters and repayment track
- Requirement-specific documents (we guide you)
Industries Served
Our Process
Consultation
We understand your requirement, financials and timelines.
Structuring
Our analysts prepare a lender-grade proposal.
Placement
Competitive placement across best-fit lenders.
Negotiation
Amount, pricing, tenure and covenants negotiated.
Disbursement
Documentation to disbursal, managed end to end.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage