What Is Invoice Financing or Bill Discounting?
Invoice Financing (also called Bill Discounting) is a short-term borrowing method that lets businesses get immediate cash against unpaid customer invoices. Instead of waiting 30–90 days for payment, you can convert bills into working capital—fast.
How Does It Work?
You raise an invoice to a client.
Instead of waiting for payment, you submit the invoice to Vizzve.
Vizzve finances up to 80-90% of the invoice value instantly.
Once the client pays, the balance is settled after deducting charges.
Key Features of Vizzve Invoice Financing
| Feature | Details |
|---|---|
| Loan Amount | ₹50,000 to ₹50 Lakhs |
| Advance Rate | Up to 90% of invoice value |
| Tenure | 30 to 120 days |
| Interest Rate | Competitive, starts around ~1.5% per month |
| Collateral | Not required for approved invoices |
Who Can Use It?
SMEs with B2B transactions
Freelancers or consultants billing large clients
Manufacturers supplying to corporates
Startups with invoice-based cash inflow
Exporters awaiting international payments
Documents Required
Business registration (GST/UDYAM/MSME)
PAN & Aadhaar
Copy of raised invoices
Bank statements (last 6–12 months)
Proof of delivery (optional)
Why Choose Vizzve for Invoice Financing?
✔️ Instant working capital without new debt
✔️ No collateral needed
✔️ Flexible terms based on client payment cycle
✔️ 100% digital process via Vizzve platform
✔️ Reduce stress from cash flow gaps
Best Use Cases
Pay suppliers or employees on time
Manage daily operations during delays
Invest in new orders while waiting on old ones
Keep your credit cycle healthy
FAQs
Q1. Is invoice financing a loan?
Not exactly. It’s an advance against future receivables, not a long-term loan.
Q2. Will my client know about this?
You can choose between recourse and non-recourse options—Vizzve offers discreet options too.
Q3. What if my customer doesn’t pay on time?
In most cases, you’ll bear the risk, but Vizzve has low-risk models for creditworthy buyers.
Published on : 24th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed