Don't wait months for your customers to pay. Get immediate funds against your outstanding invoices with BigMudra's receivable discounting solutions. Fast, flexible, and designed for your business growth.
Receivable discounting is a smart financing solution that helps businesses convert their outstanding invoices into immediate cash. Instead of waiting 30-90 days for customers to pay, you can get up to 80-90% of your invoice value upfront. This boosts your cash flow and keeps your business operations running smoothly.
Immediate Cash Flow Without Waiting
Get instant access to funds tied up in unpaid invoices. Perfect for businesses that need quick cash to pay suppliers, meet payroll, or grab new opportunities without waiting for customer payments.
Quick Fund Access: Get money within 24-48 hours of invoice submission
No Additional Debt: It's an advance against your own money, not a loan.
Maintain Customer Relations: Your customers deal directly with you, not the lender
Flexible Usage: Use funds for any business purpose - no restrictions
This solution is perfect for businesses with regular B2B sales, long payment cycles, and creditworthy customers. Whether you are a manufacturer, wholesaler, or service provider, receivable discounting can solve your cash flow challenges.
High Advance Percentage: Get up to 80-90% of your invoice value immediately, with the balance paid after collection.
Quick Processing: Submit invoices online and get funds within 24-48 hours of approval.
Flexible Limits: Discount invoices from ₹1 lakh to ₹10 crores based on your business needs.
Competitive Rates: Enjoy lower interest rates compared to unsecured business loans.
No Hidden Charges: Transparent pricing with no surprise fees or charges.
Collection Support: We handle invoice collection professionally while maintaining your customer relationships.
Industry Expertise: Our team understands different business sectors and their unique cash flow patterns.
Digital Platform: Easy online submission and tracking of your invoices and payments.
Relationship Approach: We build long-term partnerships, not just transaction-based relationships.
Quick Decisions: Fast approval process with minimal documentation requirements
To qualify for BigMudra receivable discounting, you typically need to meet the following eligibility criteria:
Business Age: Minimum 2 years of business operations with consistent sales
Annual Turnover: Minimum ₹2 crores annual turnover with regular B2B customers
Customer Profile: Creditworthy customers with good payment history
Invoice Quality: Clear, undisputed invoices with proper documentation
Eligible entities include manufacturing companies, trading businesses, service providers, and other commercial enterprises with regular receivables.
Prepare the following documents for a smooth application process:
Category | Documents Required |
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Business Documents |
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Financial Documents |
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Invoice Documents |
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Identity Documents |
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Understanding the process helps you make better financial decisions. Here's how our receivable discounting works:
Submit Invoices: Upload your approved invoices through our online platform
Quick Verification: We verify invoice authenticity and customer creditworthiness
Instant Funding: Get 80-90% of invoice value in your account within 24-48 hours
Collection: We collect payment from your customer on the due date
Balance Settlement: Remaining amount is paid to you after deducting our charges
Experience seamless processing with BigMudra. Our experts guide you through verification, ensuring instant fund access in your bank account.
Apply Online: Click the "Apply" button on this page
Account Setup: Create your account with mobile number and basic details
Loan Preferences: Choose your loan amount and repayment period
Information Submission: Upload your invoices and business documents
Document Upload: Complete verification and submit your application
Expert Support: Our support team will guide you through the remaining steps
Don't let unpaid invoices hold back your business growth. Get instant access to your money with BigMudra's receivable discounting solutions.
Particulars | Charges |
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Discount Rate | 12% to 24% p.a |
Processing Fees | Up to 2% of invoice value |
Verification Charges | ₹500 to ₹1000 per customer |
Collection Charges | 1% to 2% of invoice value |
Late Payment Charges | 2% per month on overdue amount |
Documentation Charges | As per actuals |
What is receivable discounting?
Receivable discounting is a financing solution where you get immediate cash against your outstanding invoices. Instead of waiting for customers to pay, you receive up to 80-90% of the invoice value upfront, helping improve your cash flow.
How is it different from a business loan?
Unlike a loan, receivable discounting is an advance against your own money (invoices). It doesn't create additional debt and uses your invoices as security, often resulting in lower interest rates.
What if my customer doesn't pay on time?
We have professional collection processes to recover payments. However, if there are delays, you may need to pay additional charges. We work with you to resolve any payment issues.
How quickly can I get the funds?
Once your invoices are approved, funds are typically disbursed within 24-48 hours directly to your bank account.
What is the maximum amount I can discount?
You can discount invoices ranging from ₹1 lakh to ₹10 crores, depending on your business profile and customer creditworthiness.
Do my customers know about the discounting?
Your customers are notified about the assignment of invoices, but we maintain professional relationships and ensure your business reputation remains intact.