Receivables & trade
Invoice Discounting Calculator
See the net amount you could receive against an invoice after interest and fees.
Supply chain finance
Sales Invoice Finance – Unlock Cash from Receivables
Turn outstanding sales invoices into working capital
You've completed the sale. Now you shouldn't necessarily have to wait through a long payment cycle before accessing working capital.
Sales Invoice Finance helps eligible businesses raise funds against qualifying unpaid customer invoices or receivables.
Benefits
- Unlock cash tied up in receivables
- Improve working-capital availability
- Manage long customer credit periods
- Pay suppliers and operating expenses
- Support increasing sales volumes
- Reduce dependence on delayed collections
- Improve cash-flow planning
Who Can Apply?
Potential applicants include:
- B2B manufacturers
- Suppliers
- Distributors
- Service providers
- Contractors
- MSMEs
- Businesses selling to established companies
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 Sales Invoice Finance
- Recent sales invoices and customer purchase orders
- 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 Sales Invoice Finance
What invoices can be financed?
Eligibility depends on the buyer, transaction, invoice age, payment terms and lender policies.
Does the customer need to be a large corporate?
Not necessarily, although the strength and creditworthiness of the buyer can influence eligibility.
How does it help cash flow?
It allows eligible businesses to access funding before the normal invoice due date.
Is it the same as a normal business loan?
No. Invoice finance is typically linked to eligible receivables or underlying transactions.
Can multiple invoices be financed?
This may be possible depending on the facility structure and lender assessment.
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
Sales Invoice Finance
Turn Receivables into Working Capital
Don't let long payment terms restrict your next order.
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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