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🔄 Finance Product

Factoring Finance

Get paid on your invoices without waiting for the buyer.

No collateralTrade finance
Apply Now → Calculate EMI →
Loan Amount / Ticket size
Linked to invoice / receivables value
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Factoring Finance — Key Facts

Loan Amount / Ticket size
Linked to invoice / receivables value
Collateral
The invoices / receivables (no fixed asset needed)
Tenure
Matches the invoice credit period (typically 30--120 days)
Turnaround Time
Fast, once the facility is set up
Best For
Exporters & suppliers with creditworthy buyers
Overview

What It Is & How It Works

Three-party working-capital instrument (buyer, seller, factor) where the factor advances the bulk of an invoice\'s value immediately and releases the balance once the buyer pays --- useful for businesses with international buyers and no fixed-asset collateral.

How It Works

The Process, Visualised

How factoring frees your cashYou SupplyRaise invoiceFactor Advances80–90% upfrontBuyer PaysOn due dateBalance ReleasedLess factoring charge

A three-party facility (you, buyer, factor) that advances most of your invoice value immediately — useful even with overseas buyers.

Eligibility Criteria

  • Business raising invoices on credit terms to established buyers
  • Creditworthy domestic or international buyers
  • Verifiable trade track record with the buyer
  • Clean, undisputed receivables
  • Valid business registration and KYC

Documents Required

  • Invoices to be factored, with purchase orders
  • Buyer details and trade history
  • Business registration (Udyam / GST / IEC for exports)
  • Last 12 months\' bank statements
  • Financial statements for the last 2 years
  • KYC of the business and promoters
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Auto Components
OEM Suppliers
Engineering
Exporters & Importers
Manufacturing
Trading
Get Started

Apply for Factoring Finance

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

Typically 80--90% of the invoice value is advanced immediately, with the balance released once your buyer settles the invoice.
No. Factoring is secured against the receivables themselves, so it suits businesses that are asset-light but have strong, creditworthy buyers.
Interest is charged only for the period the invoice is factored --- from the advance until the buyer pays --- so you don\'t pay for idle time.
Yes. It is especially valuable when you sell to international buyers on credit and want to convert those receivables into immediate cash.
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Apply for Factoring Finance

Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

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