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Debtsify

Invoice Discounting

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High interest rates

Negotiable Interest rate

Strict qualification

Easy Qualification

Limited loan amount

Unlimited Amount

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Preserve Equity:

Maintain ownership stake in your business without dilution.

Scale faster:

Increase the size or volume of your business rapidly and efficiently.

No upfront costs:

Start or expand your business without having to pay fees or expenses in advance.

Guaranteed growth: 

Ensure steady and sustainable expansion of your business.

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India’s Fastest & Simplest Debt Provider

Invoice Discounting Explained


Invoice discounting is a financing method where you sell your unpaid invoices to a financial institution (like Debtsify) at a discount.

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Here's a simplified breakdown:

  • You issue an invoice to your customer for goods or services delivered.

  • You approach Debtsify and present the invoice for discounting.

  • Debtsify advances you a percentage (typically 70-90%) of the invoice value.

  • Your customer settles the invoice directly with Debtsify.

  • Once your customer pays, Debtsify deducts their fee and remits the remaining balance to you.

  • Invoice discounting offers a quicker alternative to traditional bank loans, with less stringent eligibility requirements.

Benefits of Invoice Discounting for Businesses
 

  • Improved Cash Flow: Access immediate working capital to manage day-to-day operations, invest in growth opportunities, or meet unexpected expenses.

  • Reduced Reliance on Debt: Invoice discounting is a flexible financing option compared to traditional loans, helping you manage debt levels.

  • Improved Customer Relationships: Offer extended payment terms to your customers without impacting your cash flow, potentially fostering stronger relationships.

  • Simplified Process: Compared to lengthy loan applications, invoice discounting is often faster and requires minimal documentation.

  • Scalable Solution: As your business grows and generates more invoices, your access to working capital can increase proportionally.

When to Consider Invoice Discounting

  • Invoice discounting can be a strategic financial tool for various situations:

  • Businesses with slow-paying customers.

  • Companies experiencing temporary cash flow fluctuations.

  • Businesses seeking to scale operations or invest in growth initiatives.

  • Companies that don't qualify for traditional bank loans due to creditworthiness limitations.

Key Considerations for Invoice Discounting
 

  • Discount Rates: Understand the fees associated with invoice discounting and compare offers from different providers.

  • Invoice Eligibility: Ensure your invoices meet the criteria set by the financing institution (e.g., creditworthiness of your customers, invoice terms).

  • Customer Approval: Some financing institutions may require your customer's approval before purchasing the invoice.

Frequently Asked Questions (FAQs) on Invoice Discounting
 

  • ​Is invoice discounting right for my business?

   -   Depends on your cash flow needs, customer payment terms, and risk tolerance

 

  • What percentage of the invoice value will I receive?

   -   Typically 70-90%, depending on the provider and

        invoice quality

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  • How long does it take to receive funds after discounting an invoice?

   -   Usually within 24-48 hours

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  • What are the fees associated with invoice discounting?

   -   Combination of discount rate and potential service

        charges

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  • What happens if my customer doesn't pay the invoice?

   -   Varies by provider; some may offer recourse options

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  • Does Debtsify offer invoice discounting?

   -   We currently focus on unsecured loans for premium

        brands

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  • Can Debtsify help me understand if invoice discounting is suitable for my business?

   -   Yes, our consultation can explore various financing

        options

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  • How does Debtsify's application process for unsecured loans compare to invoice discounting?

   -   Our process is faster and requires less

       documentation

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  • What are the interest rates for Debtsify's unsecured loans?

   -   Competitive rates based on your company's profile

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  • Can Debtsify be a better alternative to invoice discounting for my business?

   -   Our consultation can help you determine the most

        suitable solution

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  • Are there any restrictions on the type of invoices I can discount?

   -   May vary; B2B invoices are generally accepted

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  • What happens if I dispute a fee charged by the financing institution?

   -   Review the provider's terms and conditions

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