📄
Bill Discounting & Invoice Finance

Turn unpaid invoices into working capital — same day.

Construction suppliers, manufacturers, distributors: stop waiting 60-90 days for payment. LendBase discounts your invoices against verified purchase orders — 80% advance within 4 hours, escrow-protected repayment, fully RBI-compliant.

Schedule a Demo → View Loan Products ↓
The Challenge

Why your current process
isn’t scaling.

1

Your buyers take 60-90 days to pay invoices — you need cash now to fulfill the next order

2

Informal bill discounting charges 3-5% per month with zero transparency or recourse

3

Banks won't discount invoices below ₹25 lakh — your ₹2-5 lakh invoices are too small for them

4

No standardized process: every transaction is a phone call, a WhatsApp message, and a prayer that payment arrives on time

Loan Products

Lending products designed
for bill discounting & invoice finance.

Invoice Discounting (Supplier-led)

Loan Range ₹50,000 – ₹5,00,000 per invoice
Tenure 30 days
Interest Rate 12–18% p.a.

Reverse Factoring (Anchor Buyer-led)

Loan Range ₹1,00,000 – ₹25,00,000 per buyer
Tenure 30–60 days
Interest Rate 10–15% p.a.

Purchase Order Financing

Loan Range ₹50,000 – ₹10,00,000
Tenure 30–90 days
Interest Rate 14–18% p.a.
Built for Your Vertical

Features that matter
for bill discounting & invoice finance.

✓ 8-point invoice validation: PO match, delivery confirmation, GSTIN verification, duplicate check, dispute check, limit check
✓ Escrow-protected repayment — all buyer payments routed through Nishtha-controlled escrow, no exceptions
✓ Anchor buyer credit limits set by Nishtha — real-time utilization tracking per buyer
✓ Platform-integrated: works with construction marketplaces, ERP systems, and WhatsApp-based ordering
✓ Supplier advance within 4 hours of validated invoice — 80% of invoice value, up to ₹5 lakh per invoice
✓ Concentration limits enforced: no single buyer exceeds 25% of program corpus
✓ Automated collection cascade: T-7, T-3, T-1 reminders + immediate platform suspension on overdue
How It Works in Practice

A real-world scenario.

Example Use Case

A construction materials marketplace connects 200+ suppliers with 50+ anchor buyers. Suppliers deliver cement, steel, and plumbing materials against purchase orders. After delivery confirmation, suppliers submit invoices via the platform. LendBase validates the invoice (8-point check), advances 80% to the supplier within 4 hours via NEFT, and collects full payment from the buyer into Nishtha escrow on Day 30. Supplier gets remaining 20% minus fees within 24 hours of buyer payment. Zero paperwork. Zero risk for the platform.

Compliance & Trust

RBI-compliant from day one.

Every LendBase deployment meets RBI Digital Lending Guidelines 2022. Backed by Nishtha Leasing Pvt Ltd — RBI-licensed NBFC since 1991.

✓ RBI DLG 2022
✓ KFS Generation
✓ Fair Practices Code
✓ Cooling-Off Period
✓ Grievance Redressal
✓ Audit Trail
Who This Is For

Ideal partners for
bill discounting & invoice finance.

Construction material suppliers, manufacturers, distributors, sub-contractors, platform operators (construction marketplaces), anchor buyers (contractors, builders, EPC companies)

See how bill discounting & invoice finance
works for your business.

Schedule a personalized demo. We’ll walk you through the full borrower journey, partner dashboard, and compliance framework — customized for your vertical.

Schedule a Demo →

Or email us at sales@lendbase.in