Turn your receivables into working capital — get paid today, not in 60 days
If you supply to large companies — OEMs, anchors, corporates — your money is often stuck in 30–90 day payment cycles while your own expenses run daily. Invoice discounting releases up to 90% of the invoice value immediately; the balance (minus discounting charges) comes when your buyer pays.
It is not a loan on your balance sheet in the traditional sense — the facility revolves with your sales, and limits grow as your business grows. Ideal for auto-component and engineering suppliers in the Chakan–Bhosari belt supplying to anchor OEMs.
Fincentrix arranges both bank-led bill discounting and fintech/TReDS-style facilities depending on your buyer profile.
Underwriting shifts from your balance sheet to your buyer's — often easier and cheaper than a CC enhancement.
Up to 90% of the invoice value is released immediately. The balance, minus a small discounting charge, comes when your buyer pays.
Effective cost is typically 12–15% p.a., charged only for the days funds are used.
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