Supply Chain Financing
Solutions for Indian Businesses

Solve cash flow gaps with Dhanvraksh's supply chain financing solutions — purchase invoice discounting, sales invoice discounting, factoring, and more. Get funded in as little as 24 hours.

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INVOICE

#INV-2026-89

DISCOUNTED

Purchase Invoice DiscountingSales Invoice DiscountingFactoring ServicesReverse FactoringImport / Export FinanceMSME FundingSupply Chain FinanceTrade Receivables FinanceWorking Capital FinanceCash Flow SolutionsStructured Debt FinanceBuyer-Led ProgramsPurchase Invoice DiscountingSales Invoice DiscountingFactoring ServicesReverse FactoringImport / Export FinanceMSME FundingSupply Chain FinanceTrade Receivables FinanceWorking Capital FinanceCash Flow SolutionsStructured Debt FinanceBuyer-Led Programs

Key Highlights

Built for businesses that value speed.

01.

Competitive Interest Rates

We connect you with a curated network of banks and NBFCs so you can access multiple offers simultaneously — and pick the rate that suits your business best.

02.

Quick Approval & Fast Disbursal

Our dedicated team ensures fast approvals on your invoice financing application. Once verified, funds are released directly into your business account within 24 hours.

03.

Minimal Documentation

Our 100% paperless, digital-first approach helps you prepare applications and get disbursements with minimal hassle and no unnecessary paperwork.

04.

Trusted by Indian Businesses

Managed by professionals with 20+ years of experience in supply chain finance, our team is trusted by MSMEs, manufacturers, traders, and exporters across India.

Overview

What is Supply Chain Finance?

Supply chain finance (SCF) encompasses a range of financial tools that optimise cash flow throughout the supply chain. Whether you are a supplier needing to get paid faster or a buyer wanting to extend payment terms, Dhanvraksh has a tailored solution.

From purchase invoice discounting to sales invoice discounting, factoring to import/export finance — our platform connects Indian businesses with a curated network of banks and NBFCs offering competitive rates. You have delivered goods or services; your buyer has accepted the invoice. Instead of waiting 30, 60, or 90 days, Dhanvraksh advances the funds immediately.

Our supply chain financing solutions are designed for speed, simplicity, and transparency. Whether you need a one-time liquidity boost or an ongoing financing facility, we make access to funds fast and efficient.

Get Your Quote Today

How Invoice Finance Works

A simple, digital workflow. Funds in 24 hours.

Invoice Generation

You supply goods or services to your buyer and issue an invoice with a credit period — typically 60 or 90 days.

Buyer Acceptance

The buyer formally accepts the invoice or confirms the payable obligation. This acceptance forms the basis of the financing.

Submission to Lender

Submit the accepted invoice to Dhanvraksh. We facilitate access to our network of banks and NBFCs offering competitive invoice financing rates.

Advance Disbursal

Once approved, the lender releases funds directly into your business account. Financing charges are deducted upfront.

Buyer Settlement

On the invoice due date, your buyer pays the full invoice amount to the lender. Any residual balance is remitted back to you based on the agreed structure.

Why It Matters

Benefits of invoice finance for your business.

Immediate Liquidity Without a Loan

Unlike a traditional short-term business loan, invoice financing does not create fresh debt on your balance sheet. You access money that already belongs to you.

No Collateral Required

The accepted invoice itself acts as the security. No property pledges, fixed deposits, or personal guarantees needed.

Faster Working Capital Cycles

Your receivables cycle goes from 90 days to 2 days, letting your business complete more cycles within the same financial year.

Retain Customer Relationships

Your buyer continues to pay on the original schedule. There is no disruption to your commercial relationship.

Flexible and Scalable

Finance one invoice or an entire batch. The facility scales with your business — more adaptable than a fixed credit limit.

Supports MSME Growth

For MSMEs, Dhanvraksh enables formalisation with competing bids from banks and NBFCs, ensuring the most competitive rates available.

We Offer

Supply chain finance solutions we offer.

Dhanvraksh offers a comprehensive suite of supply chain financing products tailored to your specific business model.

Service	Best For	Key Feature
Purchase Invoice Discounting	MSMEs / Large Corporates	Finance your payables — suppliers get paid early	Learn more →
Sales Invoice Discounting	Startups / SMEs / MSMEs / Large Corporates	Unlock immediate cash from your outstanding sales invoices	Learn more →
Factoring / Reverse Factoring	MSMEs / Manufacturers / Large buyer networks	Lender manages collections end-to-end	Learn more →
Import / Export Finance	Exporters / Importers	International trade receivables & payables financing	Learn more →
Working Capital / Structured Debt	All business types	Flexible working capital and structured finance solutions	Learn more →

Not sure which option suits you? Our financing experts will guide you within minutes.

Invoice Finance Products

Purchase vs Sales Invoice Discounting.

Two powerful products designed for different sides of your business transactions.

Purchase Invoice Discounting

Finance against invoices you owe your suppliers. Extend your payment terms while your supplier gets paid early — improving your working capital and strengthening supplier relationships.

Best For: Manufacturers, Distributors, MSMEs, Large Corporates
Access early payment discounts from suppliers
Extend your Days Payable Outstanding (DPO)
Strengthen supplier relationships and negotiate better terms
Improve balance sheet liquidity without new loans
Advance: Up to 100% of invoice value
Tenor: 30–180 days

Learn More

Sales Invoice Discounting

Finance against invoices your customers owe you. Get immediate cash from your outstanding sales invoices without waiting for 30, 60, or 90-day payment cycles.

Best For: Startups, SMEs, MSMEs, Large Corporates, Exporters
Convert your receivables to immediate cash
Retain full control over customer collections
Confidential — customers are not notified
Improve your Days Sales Outstanding (DSO)
Advance: Up to 90% of invoice value
Tenor: 30–90 days

Learn More

Key Difference

Bill Discounting vs Invoice Discounting.

Understanding the distinction helps you choose the right financing instrument for your business.

Feature	Bill Discounting	Invoice Discounting
Definition & Instrument	Involves discounting a "bill of exchange" or promissory note — a formal, legally binding document often with a 30–120 day maturity	Borrowing against unpaid invoices (accounts receivable) where you retain control of the sales ledger
Customer Notification	Usually requires notifying the debtor (customer), as the financier may directly collect payment	Highly confidential — customers are generally not notified that their invoices have been discounted
Process & Control	The financial institution takes a more active role in the collection process	The business retains full control over the collections process
Suitability	Often used for specific, high-value transactions or trade under letters of credit	Better for general working capital needs and businesses with high volumes of sales invoices
Duration	30 to 120 days	Typically limited to invoices meant to be paid within 90 days

About Us

Managed by industry professionals.

Dhanvraksh is managed by professionals with over 20 years of experience in supply chain finance, trade receivables, and working capital solutions. Our team brings deep domain expertise across banking, NBFCs, and financial technology.

We understand the cash flow challenges faced by Indian businesses — from MSMEs to large corporates — and have built a platform that connects businesses with the right financing solutions at competitive rates.

Meet Our Team

20+Years of Experience

₹500 Cr+Transactions Facilitated

1,000+Businesses Served

Industries We Serve

Working capital for every Indian business.

MSMEs

Most MSMEs supply to large corporates on 60–120 day credit terms. Our invoice financing facility bridges this gap with no collateral or complex documentation.

Manufacturers

Manufacturers fund the entire production cycle from their own pockets when buyers insist on 90-day credit periods. Invoice finance solves this by advancing funds against completed production invoices.

Traders & Distributors

Traders operate on thin margins and high volumes. Our invoice financing gives traders the liquidity to keep inventory moving and maintain the transaction volumes their business model demands.

Exporters

For exporters dealing with international buyers, long credit cycles can stall growth. Invoice financing and export finance unlock working capital to take on bigger orders.

Eligibility & Documents

Simple to qualify. Easy to apply.

Eligibility Criteria

Sole proprietorships, partnerships, LLPs, private or public limited companies
Micro, Small, and Medium Enterprises (MSMEs)
Exporters dealing in trade receivables from foreign buyers
Businesses supplying to large corporates, government departments, or PSUs
Companies with valid GST registration and clean transactional history
Traders, manufacturers, and service providers with established billing relationships

Documents Required

KYC documents (Aadhaar, PAN)
Certificate of Incorporation / Partnership Deed
GST registration certificate and returns
Audited financial statements
Bank statements
Copy of invoice(s) to be financed
Purchase orders or contracts
Buyer's KYC documents
Udyam Registration (for MSME applicants)

Interest Rates & Charges

Transparent pricing. No hidden charges.

Invoice financing interest rates in India are not fixed — they depend on factors specific to your transaction.

Factor	Typical Range / Impact
Buyer Credit Rating	High rating results in lower rates
Invoice Tenor	30-day to 180-day
Seller's Financials	Strong financials result in lower rates
Financing Platform	Competitive bidding on TReDS
Banks and NBFC	7% – 16% p.a.
Industry / Risk Profile	Low-risk sectors attract better rates

Additional charges may include processing fees, stamping charges on bills of exchange, and platform fees where applicable. Dhanvraksh provides a complete cost breakdown before you finalise any facility.

Apply Now

Unlock Your Working Capital — Apply Today.

Your business should not have to wait 60 or 90 days to use money it has already earned. Dhanvraksh's invoice financing solutions put that capital to work immediately. No loans. No collateral. No paperwork delays.

Quick approval & same-day quote
Get up to 90% of invoice value upfront
Dedicated relationship manager
Speak to a specialist at info@dhanvraksh.com

FAQs

Commonly asked questions.

What is supply chain finance?

Supply chain finance (SCF) is a set of solutions that optimise cash flow by allowing businesses to extend payment terms to their buyers while providing suppliers the option to get paid early. It bridges the gap between when a supplier delivers goods and when a buyer pays — benefiting both parties in the supply chain.

What is the difference between Purchase and Sales Invoice Discounting?

Purchase Invoice Discounting finances invoices you owe to your suppliers (payables side) — it helps you extend payment terms while your supplier gets paid early. Sales Invoice Discounting finances invoices your customers owe you (receivables side) — it converts your outstanding sales invoices into immediate cash without waiting for the payment cycle to complete.

How quickly can I access funds through invoice discounting?

Once your application is submitted and verified, funds are typically disbursed within 24–72 hours. The initial onboarding and credit assessment takes a few days, but subsequent transactions on an established facility are processed much faster — often same day.

What is the difference between invoice discounting and factoring?

In invoice discounting, your business retains full control of collections and customers are usually unaware of the financing arrangement — making it highly confidential. In factoring, the lender (factor) takes over the collection process and may interact directly with your customers. Invoice discounting is typically more suitable for businesses with strong credit control and established client relationships.

What is the difference between bill discounting and invoice discounting?

Bill discounting involves a formal bill of exchange or promissory note, typically requires customer notification, and is commonly used for specific high-value transactions with 30–120 day maturity. Invoice discounting works on commercial invoices, is highly confidential (customers not notified), and is better suited for businesses with high volumes of sales invoices (up to 90 days). Dhanvraksh offers both solutions tailored to your specific needs.

Is collateral required for supply chain finance?

No. In supply chain finance and invoice discounting, the invoice itself acts as the underlying security. Unlike traditional loans, there is no requirement to pledge property, fixed deposits, or other assets. Approval is primarily based on the creditworthiness of your buyers or the quality of your receivables.

Who is eligible for supply chain finance solutions?

Any registered business entity — sole proprietorships, partnerships, LLPs, private limited companies — that supplies goods or services on credit terms is eligible. MSMEs, manufacturers, traders, exporters, and service providers with valid GST registration and a track record of B2B invoicing are the most common users.

Supply Chain Financing Solutions for Indian Businesses