Bill Discounting
In bill discounting, you fund a business's unpaid invoice at a discount and receive the full invoice amount when the buyer pays - typically within 30 to 120 days.
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Businesses that sell on credit often wait weeks or months to be paid. Bill (invoice) discounting lets them receive cash today by selling or assigning that invoice at a discount. An investor who funds the invoice earns the difference between the discounted amount paid and the invoice value collected on the due date. Deals are usually arranged through specialised platforms, and the outcome depends entirely on the paying company settling the invoice on time.
Before you invest, understand
This is a credit exposure to a business, not a deposit or a mutual fund.
- Short, fixed tenures - usually 30 to 120 days
- Return depends on timely payment by the invoiced company
- Not regulated by SEBI or AMFI; no deposit insurance
Why it's worth it
From your first conversation to ongoing service, everything is built around your needs.
Short tenure
Money is typically committed for weeks or a few months, not years.
Known payout date
Each deal states the expected repayment date and amount upfront.
Diversify across deals
Smaller ticket sizes can be spread across several invoices and companies.
Fixed-income alternative
May complement deposits and debt funds for investors who accept the credit risk.
Simple, transparent, personal
We listen first and understand completely before suggesting anything.
- 1Understand your goals, family situation, time horizon and comfort with risk
- 2Shortlist relevant options as incidental advice and explain them in plain language - costs, risks and all
- 3Take care of KYC, forms and documentation so getting started is hassle-free
- 4Review regularly and stay a phone call away whenever life changes
Frequently asked questions
Quick answers about bill discounting. Still have a question? We're happy to help.
Is bill discounting a mutual fund?
No. It is a direct credit exposure to a business invoice, arranged through a third-party platform. It is not a mutual fund, not a bank deposit and not regulated by SEBI or AMFI.
What are the main risks?
The invoiced company may pay late or not at all, the platform's structure and recovery process may be tested in a default, and money cannot usually be withdrawn before the due date. You can lose part or all of your capital.
Are returns guaranteed?
No. The stated return is what you receive only if the invoice is paid in full and on time.
How much should I put in?
Only surplus money that you can lock in for the deal tenure and can afford to have delayed. Spreading across several invoices reduces concentration on any one company.
What is your role?
We act only as a distributor / referral partner and explain the product and its risks. The platform and the underlying company are responsible for the deal and its repayment.
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All our products
Bill / invoice discounting is not a mutual fund, bank deposit or SEBI-regulated security, and is not covered by AMFI, SEBI SCORES or any deposit insurance. Returns are not guaranteed and depend entirely on the underlying company paying its invoice on time; delays and defaults can result in loss of capital. Invest only surplus money you can afford to lock in, after reading the platform's terms and risk disclosures.
Need help choosing the right option?
Talk to us - we'll understand your needs and explain your options in plain language.