Sales Invoice Discounting

Turn your unpaid sales invoices into instant working capital without adding debt to your balance sheet.

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

Trusted by Marquee Lenders & Partners

Why Sales Invoice Discounting?

Working Capital Locked in Receivables

Get advance payouts on your unpaid invoices within 72 hours to free up working capital.

Delayed Collections Slowing Growth

Bridge cash flow gaps from long credit cycles so you can fulfill new orders and scale without waiting.

Need Fast Funds Without Collateral

Access unsecured capital backed by your invoices, no assets, no impact on existing credit lines.

Worried About Customer Relationships?

Get funded without involving your customers. Your collections stay confidential and uninterrupted.

Recur Club vs Traditional Invoice Financing

Compare how Recur Club performs against banks and NBFCs at every stage of your fundraising journey.

Feature
Sales Invoice Discounting
Traditional Invoice Financing
Approval Speed
Approval and offers within 72 hours
Weeks to months due to manual processing
Collateral
No collateral needed, backed by invoice receivables
Requires tangible assets or personal guarantees
Funding Limit
Up to ₹100 crores
Limited to 30-70% of invoice or asset value
Interest Pricing
Flat fee with clear cost breakdown
Hidden fees and complex charges
Lender Access
150+ lenders on one platform
Single lender negotiation
Onboarding
Fully digital process with one application
Manual paperwork and multiple visits
Expert Support
Dedicated capital advisors guiding you through the process
Minimal advisory support
Customer Experience
Customer payment process remains unchanged and confidential
Buyers often notified or contacted by lenders

How Sales Invoice Discounting Works?

Step 1: Upload

Securely upload your approved sales invoices onto our platform.

Step 2: Validation

We sync your GST and accounting data for quick verification and eligibility assessment.

Step 3: Receive Multiple Offers

Access tailored invoice discounting proposals from over 150 lenders to find the best fit.

Step 4: Get Funded Quickly

Choose your preferred offer and receive funds directly in your account within 72 hours.

Eligibility Criteria & Documents 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 Cr or more
  • Business Vintage > 1 year
  • Cash Runway > 3 Months
  • Mandatory GST Registration

Documents Required

  • 📄 Supplier Invoices: Verified and approved invoices for discounting
  • 📄 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 sales invoice discounting, especially for B2B businesses with high receivables across sectors like SaaS, logistics, manufacturing, and retail.

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 sales invoice discounting and how does it help businesses?

Is invoice discounting a good idea?

Is invoice discounting legal in India?

How much advance can I get on my sales invoices?

Can I apply for sales invoice discounting if I have existing loans?

How is sales invoice discounting different from purchase invoice discounting?

Talk to an Expert