What is Purchase Invoice Discounting?
Our purchase invoice discounting solutions are designed to give your business immediate access to flexible working capital. Through our purchase invoice finance program you can pay your suppliers on time, secure better trade terms and purchase additional inventory. This works on a smart buy now pay later model that improves liquidity without putting pressure on your cash flow. It is especially useful when you need to stock up for the festival season and want quick loans for festival season demand without straining your cash flow.
We facilitate purchase bill discounting for both rated and non rated suppliers, ensuring comprehensive coverage and a customized structure based on your business requirements. Our goal is to provide financial flexibility that supports expansion, strengthens procurement capabilities and promotes sustainable growth.
With FlexiPayment’s technology enabled invoice finance solutions, you can optimize cash flow, unlock working capital faster and maintain strong, trusted supplier relationships while keeping your operations smooth and scalable.
What is Purchase Bill Discounting?
Purchase Bill Discounting is a short-term financing facility where a business uses its purchase bills (invoices) as a financial instrument to get immediate funds from a lender or financial institution. In simple terms instead of waiting for your credit period to end, you submit your purchase bill to FlexiPayment, and we provide you the required funds immediately. The bill acts as security against the financing. Purchase Bill Discounting is especially useful for businesses that deal with rated and unrated suppliers and want to maintain strong supplier relationships while managing their finances smartly.
Elevate Growth with Customized Purchase Invoice Discounting Solutions!
Our Purchase Invoice Discounting program is a powerful solution that empowers businesses with flexible working capital options. With this program, you can pay your suppliers and buy additional inventories. Imagine this as your very own “BUY NOW, PAY LATER”.
Our Purchase Bill Discounting programs are available for both with Rated and Unrated suppliers (counterparties) and are customised with the single purpose of providing you with the financial flexibility needed to drive business growth and success.
With our flexipayment options, you can manage cash flow more efficiently while maintaining strong supplier relationships.
Get Your Purchase Invoice Discounting Quote
Share a few details, and our team will contact you within 24 hours with a funding limit and pricing tailored to your suppliers and purchase volume.
Why choose Purchase Invoice Discounting?
- No collateral required for most invoices
- Available for both rated and unrated suppliers
- Funds can be released in as little as 48 hours
- Dedicated relationship manager to support your business
Get a personalized quote today and access working capital tailored to your business needs.
Purchase Invoice
Discounting
Solutions
Key Features of Purchase Invoice Discounting Solutions:
- Extended credit period on purchases: With our purchase invoice finance program you can take advantage of longer credit periods on supplier payments, helping you ease cash flow pressure. This lets you reinvest capital in growth opportunities, manage operating expenses smoothly and maintain working capital stability.
- Earn cash discount from suppliers: Through our purchase bill discounting facility you can make quick payments to suppliers and avail attractive cash discounts. In many industries these early payment discounts can exceed the financing cost, creating a clear advantage for your business.
- Strong and reliable supplier network: Our purchase invoice discounting solutions help you build strong relations with your suppliers by paying them immediately. This helps you secure timely and priority deliveries, earn better margins and stay ahead of competitors who carry lower inventories.
- Flexible invoice selection: You can choose which purchase invoice to discount based on your immediate funding needs. This selective approach gives you better financial control and optimized cash flow management. We also allow prepayment and part payment so you can optimize your savings.
- Competitive and transparent pricing: We offer competitive discount rates under our purchase bill discounting and purchase invoice finance programs, ensuring cost effective access to working capital without hidden charges.
6-Reasons To Choose Flexi Payment
Choose us for our commitment to customer satisfaction, competitive interest rates, and a commitment to helping your business grow and succeed.
Customised
Solutions
Competitive
Pricing
Flexible To Your
Needs
Hassle Free
Process
Higher Approval
Limits
Dedicated
Relationship Manager
Customised
Solutions
Competitive
Pricing
Flexible To Your
Needs
Hassle Free
Process
Higher Approval
Limits
Dedicated
Relationship Manager
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FAQ
Purchase bill discounting is a financing facility where a business gets funds to pay its suppliers immediately. The financier pays the supplier on your behalf and you repay the financier on the agreed due date.
In factoring the financier purchases the bill and takes full ownership and risk. In bill discounting the financier gives money as a loan but the business stays responsible if it is not paid.
Bill discounting rates in India usually range between 8% to 18% per annum depending on transaction type, credit profile, tenure and risk. The exact rate depends on the lender and the transaction structure.
TDS applies on interest payment only if you are a company under the Companies Act. Invoice discounting is a financial transaction and not a service. Tax treatment can vary depending on the structure so professional advice is recommended.