Disclaimer: Official communication is sent only via emails from @terkarcapital.com; Please note that we do not offer digital lending nor do we charge any advance fees.
Disclaimer: Official communication is sent only via emails from @terkarcapital.com; Please note that we do not offer digital lending nor do we charge any advance fees.
Bill discounting is a business practice in which a seller receives payment immediately after issuing an invoice to their customer, provided they meet certain requirements. You can get your payment by submitting the invoice to the relevant financial institutions with minimal documentation. A bill discounting facility helps you get working capital and helps your company grow.
Indian financial institutions are still not in a better position to understand the needs of MSMEs and provide them with adequate funding. Approximately 75% of the MSMEs do not possess any collateral to offer to the banks, leading to a constant shortage of working capital. To address this, the bill discounting facility is the most favorable and suitable option from all perspectives.
Discounting up to 95% of Invoice amount
No Collateral Required
Smooth Processing
End-to-end Execution
Flexible Terms
(*T&C Applied)
Currently, in the Indian debt market, unsecured funding starts with 15-16% Pa, that too in the term loan format. When you consider the option of Bill Discounting, this comes under working capital financial instruments. Even if this is an unsecured product, the rate of interest starts with 12% PA, and you have to pay only for the period you use the bill discounting facility. As soon as your customer pays the invoice, the interest living cycle stops.
Many times working capital gets blocked in an unpaid invoice which can be problematic for the companies. In other words, bill discounting can help you get your cash quickly by allowing you to sell your bills in exchange for a discount.
If you have more working capital, it can lead to faster growth of your business. You don’t have to wait for 50 days or 90 days for your payments. Through bill discounting, you can get the payment almost immediately.
You will only pay interest for the amount of money you discount and for the period you use the money. This is a very convenient and flexible option for most businesses and firms. Best fit for working capital management.
Many businesses have cash flow problems, and they can’t pay suppliers on time. So, Bill discounting can help you pay suppliers early, which can strengthen your relationship with them.
We offer a bill discounting facility without a mortgage or collateral.
Businesses need flexible working capital, while most banks offer term loans. However, We at Terkar Capital offer the facility in the CC format.
Understand the bill discounting process from the case study.
The eligibility depends on the financial institutions or their usual way of conduct. Here’s a breakdown of eligibility criteria to avail of bill discounting facilities in India.
Documentation is a significant factor in obtaining a bill discount facility. Here’s the list:
We are leading bill discounting companies in India. We empower businesses to optimize cash flow, mitigate financial risks, and drive growth. Our cutting-edge approach and deep industry expertise make us a leading force in bill discounting syndication.
At Terkar Capital, we understand that every business is unique, and we dedicate ourselves to crafting tailored financial strategies that address specific needs and enable untapped potential.
No, the unpaid invoice itself serves as collateral.
The discount rate is typically based on factors like the CIBIL score, the invoice amount, and the tenure.
The tenor usually ranges from 30 to 180 days.
No, bill discounting is an off-balance sheet transaction.
It is generally a quick process. However, processing time can vary depending on the financial institution
Purchase invoice discounting is a financing solution where businesses receive immediate funds against unpaid invoices, helping them manage working capital efficiently without waiting for customer payments.
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