Facing delayed payments? Get a smart solution with Dhanvraksh's invoice discounting services and obtain money quickly. Limited working capital can limit expansion and affect operations — we offer a quick and effective solution.
Invoice discounting is a financing strategy that lets businesses access cash tied up in unpaid bills. Instead of waiting for clients to pay, businesses receive a percentage of the invoice value up front — generating cash by keeping sales invoices as collateral.
Unlike loans, invoice finance is an adaptable and expandable funding option directly linked to your sales invoices. It is intended to improve the working capital of your organisation.
Get Quote in MinutesThe process at Dhanvraksh is simple and designed for speed.
Generate an invoice for your customer in your usual workflow.
Upload the invoice on our platform while availing the discounting service.
Get up to 90% of the invoice value disbursed instantly.
Your customer pays the invoice on the due date as per the original schedule.
The remaining balance is released to you after deducting applicable charges.
| Stage | Time Taken | Description |
|---|---|---|
| Invoice Submission | Same day | Upload invoice and documents |
| Verification | 24–48 hours | Buyer and invoice validation |
| Approval | Within 48 hours | Credit decision made |
| Disbursement | 24 hours post-approval | Funds credited |
| Final Settlement | On the due date | Remaining balance released |
Access funds instantly against your invoices, without waiting through long payment cycles.
Reinvest in operations, hire talent, accept bulk orders, and scale faster.
Receive funds based on invoice value — your receivables themselves act as security.
Disbursal is faster than traditional loans, often within 24–72 hours.
Use it as per requirement — one invoice or many, monthly or as-needed.
In most cases, your customers are unaware of the financing arrangement.
| Industry | Challenge | Benefit |
|---|---|---|
| Manufacturing | Long payment cycles | Funds for raw material procurement |
| IT Services | Delayed client payments | Smooth payroll management |
| Logistics | High operational costs | Covers fuel and transport expenses |
| Healthcare | Institutional payment delays | Uninterrupted supply chains |
| Wholesale | Seasonal demand spikes | Maintains inventory flow |
| E-commerce (B2B) | Marketplace payment cycles | Unlock funds to restock inventory |
| Feature | Invoice Discounting | Factoring |
|---|---|---|
| Ownership of receivables | Business retains control | Factor takes control |
| Customer interaction | Business manages | Factor manages |
| Confidentiality | High | Low |
| Risk | Business bears risk | Factor may bear risk |
Businesses with solid financial discipline and dependable clients benefit most from invoice discounting. Factoring is better suited for businesses that want assistance with both capital and receivables management.
| Component | Details |
|---|---|
| Discount Rate | 1% – 3% per month |
| Processing Fee | Nominal |
| Tenure | 30 – 90 days |
| Advance Ratio | Up to 90% |
Final rates depend on buyer creditworthiness, invoice tenure, business transaction history, industry risk level, and volume of invoices financed.
With reliable invoice discounting services from Dhanvraksh, you can unlock immediate funds and maintain steady cash flow. Apply now and get a quote tailored to your business.
It is a financing method where businesses get advance funds against invoices, converting receivables into cash quickly. It is widely used by B2B businesses to maintain steady working capital without waiting for payment cycles.
In discounting, businesses retain control of collections. Factoring involves third-party collection. Invoice discounting is usually confidential, while factoring often involves direct customer interaction.
MSMEs, startups, and B2B businesses can apply. It is commonly used under MSME invoice funding models. Businesses with regular invoicing and creditworthy customers have higher approval chances.
Charges include discount rates and processing fees, varying based on invoice value and tenure. Additional costs may depend on buyer risk, tenure, and platform service fees.
No, it is usually unsecured. Funding is based on invoices, so businesses do not need to pledge assets. Approval primarily depends on the creditworthiness of your customers.