Overview

Your receivables are already cash. Let's unlock them.

Invoice discounting is a smart way for businesses with strong buyers to turn receivables into immediate liquidity — without taking on long-term debt. The lender advances a percentage of the invoice value; when your buyer pays, the lender takes their share and remits the rest to you.

We help you choose between with-recourse and without-recourse structures, TReDS routes for MSMEs, and one-off versus revolving limits — based on how your buyer base and payment cycles look.

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Key Features

Why Invoice Discounting With SHF

Cash on Invoice

Advance against issued invoices — often 70–90 percent of invoice value, received within a day or two.

No Long-Term Debt

Short-duration facility self-liquidates when your buyer pays — no multi-year repayment obligation.

With or Without Recourse

Choose whether the credit risk on your buyer stays with you or moves to the lender — pricing reflects the choice.

TReDS-Compatible

For MSMEs, we can structure through TReDS (Trade Receivables Discounting System) for large-buyer invoices.

Revolving Limit

Ongoing limit that grows with your business — each invoice discounted, each repayment frees up capacity.

Strong-Buyer Advantage

If your buyers are large corporates or PSUs with high credit ratings, your discounting rate improves significantly.

FAQs

Commonly Asked

Depends on the structure. Disclosed factoring and TReDS inform the buyer; undisclosed arrangements keep it private. Both have cost and risk trade-offs — we'll help you pick.
Pricing typically equals interest for the period between advance and buyer payment, plus processing fees. Stronger buyers, shorter cycles and with-recourse structures all bring the cost down.

Stuck waiting for payments?

Talk to us about discounting invoices so cash moves at the pace of your business — not your buyers'.

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