BillMart | Sales Bill Discounting | Unlock Liquidity with Invoice Financing

Sales Bill Discounting initiated by MSMEs (sellers) enables faster payment cycles by allowing them to sell their receivables (invoices) to a financial institution at a discounted rate. This helps MSMEs receive immediate cash instead of waiting for payment from large buyers (anchors), who typically take longer payment terms (e.g., 30, 60, or 90 days). The seller bears the associated costs. This solution enhances cash flow for MSMEs, providing quick liquidity while streamlining the payment process.

How Sales Bill Discounting Works?

Buyer (Anchor) advances a purchase order on the Supplier requesting for goods or services.
The Supplier provide the goods or services & raises invoice on the Buyer (Anchor).
The Supplier sells the invoice(s) to the financer to raise funding based on accepted invoice(s) and due date period agreement with Buyer (Anchor).
Based on validation of the transaction for parameters like operational limit availability, validity of invoice, etc. financer is instantaneously processing for disbursement by considering the interest parameter into the Supplier’s account.
On the due date the Buyer (Anchor) processes for repayment to the financer.

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Frequently Asked Question (FAQs)

1. What is Sales Bill Discounting?

Sales Bill Discounting is a financing option that allows vendors (seller/borrower) to receive immediate funds against their sales invoices.
2.Who can avail of Sales Bill Discounting?

Vendors seeking immediate funds against sales invoices.
3.What is the advantage of Sales Bill Discounting?

It improves cash flow, reduces bad debt risks, and helps maintain working capital.
4. How does this differ from Vendor Financing?

Unlike Vendor Financing, Sales Bill Discounting does not involve a buyer's guarantee.
5.How does Sales Bill Discounting help businesses?

It provides quick access to funds, enabling better credit and cash flow management.
6.Is collateral required for Sales Bill Discounting?

No collateral is required.