Purchase Invoice Discounting

Unlock up to 90% of supplier invoices with Recur Club. Get working capital in as little as 72 hours.

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750+
Startups Trust Us
₹2500 Cr+
Total Capital Funded
150+
Lenders on the Platform

Trusted by Marquee Lenders & Partners

Our Offerings

We offer customized financing solutions, enabling companies to raise debt capital with guidance from a dedicated capital expert at every step.

Why Purchase Invoice Discounting?

Cash Blocked in Vendor Payments

Free up working capital stuck in large supplier payments by unlocking advance funds in 72 hours.

Avoid Delays in Paying Suppliers

Access instant funds to clear supplier invoices on time and maintain strong vendor relationships.

Seasonal Cash Flow Issues

Unlock working capital during off-seasons to ensure steady cash flow throughout the year.

No Collateral? No Problem.

Get invoice-backed financing without pledging assets or equity.

Our Offerings

We offer customized financing solutions, enabling companies to raise debt capital with guidance from a dedicated capital expert at every step.

Recur Club vs Traditional Invoice Financing.

See how Recur Club stacks up against banks and NBFCs throughout your fundraising journey.

Financing Experience
Recur Club
Other Platforms
Speed of Funding
How quickly can you access funds?
Funds in as little as 48 hours after approval
Typically takes 2–4 days with paperwork and approvals
Flexible Funding
Are credit lines flexible?
Flexible, based on your revenue
Fixed credit lines
Pricing
Are fees and charges transparent?
Transparent fees
Hidden fees and higher interest rates
Client Relationship
Who manages collections?
No impact on client relationship
Lender manages collections
Expert Capital Advisory
Do you get personalized advice?
Dedicated advisor for the best deal
No personalized advice

How Purchase Invoice Discounting Works?

Step 1: Upload

Submit approved supplier invoices for review.

Step 2: Evaluate

Get offers from 150+ lenders within 48 hours.

Step 3: Offers

Choose the best funding option for your business needs.

Step 4: Disbursement

Receive the funds directly in your account.

Our Offerings

We offer customized financing solutions, enabling companies to raise debt capital with guidance from a dedicated capital expert at every step.

Eligibility Criteria & Docs Required

Fee Type Amount / Rate Details
Interest Rate Starting at 1.2%/month Based on eligibility
Processing Fee Up to 2% One-time fee on disbursal
Prepayment Fee Zero No charges for early payment
No hidden charges. All terms explained upfront.

Eligibility Criteria

  • Annual Revenue > ₹5 Crores
  • Mandatory GST Registration
  • Business Vintage > 1 year
  • Operational Runway > 3 Months

Documents Required

  • 📄 PAN and Aadhaar: For business and owners
  • 📄 GST Returns: For the last 12 months
  • 📄 Audited Financial Statements: Last year’s financial audit
  • 📄 Bank Statements: Last 6 months
Our platform is built for fast supplier invoice financing, especially for vendor-heavy businesses with trade payables across FMCG, manufacturing, and services sectors.

Success Stories

Technodysis: 3X Revenue Growth

AI and software startup Technodysis secured ₹10 crore, increasing revenue from ₹6 lakh in FY 2021 to ₹20.25 crore in FY 2024, with a ₹35 crore projection for FY 2025.

Girish Narbolikar
Head of Finance, Technodysis

Wellversed: 2X Revenue in 12 Months
Wellversed secured ₹6.5 crores, doubled revenue in a year, and boosted EBITDA by 63%, reflecting strong growth and improved efficiency.

Aanan Khurma
Co-Founder & CEO, Wellversed

MoveInSync: 240% Growth in 10 Months
MoveInSync secured funding from Recur Club, driving 240% business growth. The capital fueled expansion and enhanced service offerings.

Deepesh Agarwal
Founder, MoveInSync

WeVOIS: 2.7X Revenue Growth in 2 Years
WeVOIS secured ₹7.3 crores, surged revenue by 2.7x in two years, and improved EBITDA by 5%, along with expanding to 6 new cities.

Abhishek Gupta
Founder, WeVOIS

Frequently Asked Questions

Who is eligible for a working capital loan?

Is collateral required to secure a working capital loan?

Is a working capital loan considered debt?

What type of companies are eligible for a working capital loan?

How can I apply for a working capital loan with Recur Club?

What is purchase invoice discounting?

What advance rate can I get?

How quickly can I access funds through Purchase Invoice Discounting?

What are the eligibility criteria for Purchase Invoice Discounting?

Is Purchase Invoice Discounting the same as factoring?

Can SMEs benefit from Purchase Invoice Discounting?

Talk to an Expert