Sales Invoice Discounting

Turn unpaid sales invoices into immediate cash.

Stop waiting 30, 60, or 90 days for your buyers to pay. Dhanvraksh advances up to 90% of your outstanding sales invoice value within 24 hours — confidentially, without disrupting your customer relationships.

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Overview

What is Sales Invoice Discounting?

Sales Invoice Discounting is a receivables-based financing solution where you borrow against your outstanding sales invoices. Instead of waiting for your buyer to pay on the due date, a lender advances you up to 90% of the invoice value immediately — and collects the full amount from your buyer on maturity.

The key advantage is confidentiality: your customers are typically unaware that the invoice has been discounted. You retain full control of the collection process and maintain your commercial relationships exactly as before.

Dhanvraksh makes Sales Invoice Discounting accessible for businesses of all sizes — from startups with a handful of invoices to large corporates managing high-volume receivables portfolios. Our lender network ensures you receive the most competitive rates available.

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Process Flow

How Sales Invoice Discounting works.

Raise a Sales Invoice

You supply goods or services to your buyer and raise a sales invoice with a credit period of 30, 60, or 90 days.

Submit to Dhanvraksh

Upload the invoice to Dhanvraksh. We verify the invoice and assess your buyer's creditworthiness.

Receive Up to 90%

Once approved, a lender advances up to 90% of the invoice value directly into your business account — within 24 hours.

Your Buyer Pays as Usual

On the invoice due date, your buyer pays the full amount as per the original payment schedule. No change to their experience.

Balance Settlement

The remaining balance (invoice value minus advance minus financing charges) is released back to you after the buyer's payment.

Stage	Time	Description
Invoice Submission	Same day	Upload invoice and supporting documents
Buyer Verification	24–48 hours	Buyer creditworthiness and invoice validation
Approval	Within 48 hours	Credit decision and facility offer
Disbursement	24 hours post-approval	Up to 90% of invoice value credited to your account
Final Settlement	On the due date	Remaining balance released after buyer payment

Benefits

Why growing businesses choose Sales Invoice Discounting.

Immediate Cash Flow

Stop waiting 30–90 days for payments. Access the cash you have already earned — immediately.

Highly Confidential

Customers are not notified. Your commercial relationships remain exactly as they are — no disruption, no awkward conversations.

You Retain Collection Control

Unlike factoring, you continue to manage all customer communication and collect payments as usual.

No Collateral Required

Your invoices act as the security. No property pledges, personal guarantees, or fixed deposits needed.

Fuel Your Growth

Reinvest the unlocked capital into new orders, hiring, inventory, or operations — instead of waiting on payment cycles.

Flexible & Scalable

Finance a single invoice or your entire receivables book. Works for startups with 2 invoices or corporates with thousands.

Product Details

Sales Invoice Discounting — key parameters.

Parameter	Details
Best For	Startups, SMEs, MSMEs, Large Corporates, Exporters
Invoice Type	Sales / Receivable invoices (from your customers)
Advance Ratio	Up to 90% of invoice value
Tenor	30 to 90 days
Typical Rate	1% – 3% per month (depending on buyer credit profile)
Processing Time	Funds disbursed within 24–72 hours
Collateral	None — invoice-backed financing
Confidentiality	High — customers not notified
Collection Control	Retained by your business

Who It Is For

Built for every B2B business.

Segment	Challenge	How Sales Invoice Discounting Helps
Startups	Long enterprise payment cycles delay growth	Access working capital against enterprise invoices without waiting 90+ days
SMEs	Buyers demand extended credit while SMEs need cash	Finance your receivables and maintain steady cash flow
MSMEs	Supplying to large corporates on 60–120 day terms	Convert receivables to immediate cash — no collateral needed
Large Corporates	Managing large receivables portfolios efficiently	Bulk invoice financing at competitive rates with fast processing
Exporters	International buyers with long payment terms	Unlock export receivables — paired with export finance solutions
Service Providers	Project-based billing with delayed client payments	Finance milestone invoices and maintain project delivery momentum

Eligibility & Documents

Qualify quickly. Get funded fast.

Eligibility Criteria

Registered business entity (MSME, Pvt. Ltd, LLP, Proprietorship)
Valid GST registration
B2B invoicing model (supply to businesses, not consumers)
Creditworthy customers / buyers
Minimum turnover of ₹25 lakh p.a. (varies by lender)
Clean banking and transactional history

Documents Required

Business KYC (PAN, Aadhaar, GST certificate)
Certificate of Incorporation / Registration proof
Last 12 months bank statements
GST returns (last 6 months)
Sales invoice copies to be discounted
Buyer KYC and purchase order / contract
Audited financials (last 2 years if available)

Apply Now

Stop waiting. Get paid today.

Your business has already earned that money. Dhanvraksh's Sales Invoice Discounting facility puts it in your account within 24 hours — confidentially, with no disruption to your customer relationships.

Up to 90% of invoice value upfront
Funds disbursed within 24–72 hours
Fully confidential — customers not notified
Competitive rates from our lender network

FAQs

Frequently asked questions.

What is Sales Invoice Discounting?

Sales Invoice Discounting is a financing method where you borrow against your outstanding sales invoices. A lender advances up to 90% of the invoice value immediately, and collects the full amount from your buyer on the due date. You repay the lender and receive the balance minus financing charges.

Will my customers know that I am using Sales Invoice Discounting?

No. Sales Invoice Discounting is highly confidential. Your customers pay as per their normal schedule, unaware that the invoice has been discounted. You retain full control of the collections process and your customer relationship is undisturbed.

What is the difference between Sales Invoice Discounting and Factoring?

In Sales Invoice Discounting, you retain control of collections and confidentiality is maintained — customers are not notified. In factoring, the lender (factor) takes over the collection process and typically interacts directly with your customers. Invoice discounting is suited for businesses with strong credit control; factoring is better for businesses wanting to outsource receivables management.

How much of the invoice value can I get upfront?

Typically up to 90% of the invoice value is advanced upfront. The remaining 10% (minus financing charges) is released after your buyer pays on the due date. The exact advance ratio depends on the buyer's credit profile, invoice tenor, and your business's financial history.

How quickly are funds disbursed?

After initial onboarding (which takes a few days), subsequent invoice financings are processed very quickly — funds can be disbursed within 24–72 hours of invoice submission. For established facilities with repeat buyers, processing can be even faster.