How much can I get against an invoice?

Advance rates typically range from 60% to 90% depending on buyer credit and lender policy. Exact advance rate is determined by funder after verification.

What costs should I expect?

Costs include discounting margin (annualised ROI or flat discount), processing fees and GST. Effective cost depends on tenor and negotiated margin.

Do buyers need to be high-rated corporates?

Better buyer credit increases funder comfort and advance rates. Many funders require buyer credit checks or trade references.

How fast is disbursal?

For standard eligible invoices, disbursal can happen within 2–7 working days after documentation and buyer validation, subject to lender timelines.

Invoice Discounting – Apply Online | CompareEMI.in

Convert your unpaid invoices into working capital. Invoice Discounting / Bill Discounting solutions at ROI starting from 11% with pan-India banks & NBFCs. Quick digital onboarding and confidential processing.

Apply Now — Quick Pre-check

Top lenders & platforms we compare

HDFC Bank · ICICI Bank · Axis Bank · Kotak Mahindra Bank · SBI · Punjab National Bank · IndusInd Bank · Bajaj Finserv · Tata Capital · Fullerton India · IDFC First Bank · Navi · AU Small Finance Bank · HDFC Bank · ICICI Bank · Axis Bank · Kotak Mahindra Bank · SBI · Punjab National Bank · IndusInd Bank · Bajaj Finserv · Tata Capital · Fullerton India · IDFC First Bank · Navi · AU Small Finance Bank · HDFC Bank · ICICI Bank · Axis Bank · Kotak Mahindra Bank · SBI · Punjab National Bank · IndusInd Bank · Bajaj Finserv · Tata Capital · Fullerton India · IDFC First Bank · Navi · AU Small Finance Bank

We compare invoice discounting policies, margins and tenor from banks & NBFCs to match invoices & buyer profiles to suitable funders.

Pan-India coverage

Mumbai · Delhi · Bengaluru · Hyderabad · Pune · Chennai · Kolkata · Ahmedabad · Noida · Gurugram · Jaipur · Surat · Lucknow · Mumbai · Delhi · Bengaluru · Hyderabad · Pune · Chennai · Kolkata · Ahmedabad · Noida · Gurugram · Jaipur · Surat · Lucknow · Mumbai · Delhi · Bengaluru · Hyderabad · Pune · Chennai · Kolkata · Ahmedabad · Noida · Gurugram · Jaipur · Surat · Lucknow

We support MSMEs, exporters and corporates across metros and Tier-1 cities for invoice discounting and AR financing.

Start Invoice Discounting Request

Why choose CompareEMI.in for Invoice Discounting?

Confidential funding: many lenders offer confidential invoice discounting where your customers need not be notified.
Panel of specialist funders: banks, NBFCs and dedicated receivables finance platforms evaluate buyer credit and offer competitive margins.
Fast decisioning: minimal documentation for eligible invoices and buyers — get funds within days for approved cases.
Tailored solutions: single invoice discounting, invoice lines or rolling facilities depending on business needs.
Pan-India facilitation: we coordinate with local teams for documentation and KYC across major cities.

Apply Now — Unlock Your Invoices

Invoice Discounting — Quick Overview

Invoice Discounting (also called Bill Discounting or Accounts Receivable Financing) lets businesses raise funds against unpaid customer invoices. Rather than waiting for payment cycles (30–180 days), sellers assign or pledge invoices to a lender who advances a percentage of the invoice value (advance rate). The margin/ROI and advance rate depend on buyer creditworthiness, invoice ageing and sector risk.

CompareEMI.in helps match businesses to lenders who specialise in receivables financing. Our pre-check evaluates your invoice mix, buyer credit profile and typical turnover to show a conservative funding estimate and an indicative discounting margin. Final terms require lender due diligence, copies of invoices and buyer validation.

Get Funding Estimate — Apply Now

Eligibility & Key Requirements

Business vintage: typically 1 year or more (varies by lender).
Minimum turnover: lenders generally prefer ₹50 Lakhs+ annual turnover for invoice discounting facilities.
Valid GST & KYC: GST registration and standard KYC for the entity and authorised signatories.
Buyer creditworthiness: strong buyer (debtor) credit profile increases advance rates and lowers margin.
Invoice size & ageing: minimum invoice amount and acceptable ageing (e.g., <90 days) are lender-specific.

Check Eligibility — Apply Now

Documents Typically Required

KYC: Aadhaar, PAN, company registration documents
GST registration certificate
Latest 6–12 months bank statements
Copies of unpaid invoices and delivery/acceptance proofs
Buyer details, purchase orders and any buyer credit confirmations
Audited financials / management accounts where required

Start Application — Upload Docs

Benefits of Invoice Discounting

Improves liquidity without adding long-term debt
Maintains supplier relationships with timely payments
Confidential options available (buyer need not be informed)
Flexible structures — single invoice, line facilities, or factoring arrangements
Speeds up cash conversion cycle and supports growth

Get Funding Estimate — Apply Now

Estimate Cost (Indicative)

Use our simple calculator to estimate discounting cost or repayments (if any). Enter invoice value, margin (%) and tenor (days).

EMI Calculator

Apply — Get Funders to Review

FAQ — Invoice Discounting

Invoice discounting is typically confidential and the seller retains debtor relationship; factoring often involves notice to buyers and the factor manages collections. Product definitions vary among providers.

Apply Now — Quick Pre-check