Bill Discounting Services in India 2025
Unlock instant cash flow for your SME with LoanPao’s bill discounting from 7.5% p.a., approved in 24 hours.
Apply NowWhat is Bill Discounting?
Bill discounting, also known as invoice discounting, is a financial solution that allows businesses to unlock cash tied up in unpaid invoices. LoanPao partners with 250+ RBI-compliant lenders to offer bill discounting services in India 2025, with rates starting at 7.5% p.a. and approvals in just 24 hours. Ideal for SMEs and corporates, this service supports working capital needs without requiring collateral. By discounting invoices due in 30–120 days, businesses can access up to 90% of the invoice value instantly, improving cash flow for operations, inventory, or growth. Apply now to get started.
Key Features of LoanPao’s Bill Discounting
- Competitive Rates: Discount rates from 7.5% p.a., based on invoice and client quality.
- High Advance: Up to 90% of invoice value disbursed instantly.
- Flexible Tenure: 30–120 days, aligned with invoice due dates.
- Digital Process: Seamless e-KYC, online application, and instant pre-approvals.
- No Collateral: Secured by invoices, no additional assets required.
Benefits of Bill Discounting
LoanPao’s bill discounting services empower businesses with immediate liquidity and operational flexibility. Key advantages include:
Instant Cash Flow
Access funds within 24 hours to meet urgent needs.
No Debt Burden
Not a loan; funds are advanced against your invoices.
Secure & Transparent
RBI-compliant partners ensure trust and clarity.
Additional benefits include improved supplier relationships, ability to take on larger orders, and scalability without financial strain. Learn more.
How Bill Discounting Works
LoanPao simplifies bill discounting with a streamlined, digital process:
- Invoice Submission: Upload unpaid invoices from creditworthy clients.
- Verification: Our platform verifies invoices and client credit via e-KYC.
- Approval: Get approval in 24 hours with up to 90% advance offered.
- Fund Disbursal: Receive funds instantly to your bank account.
- Repayment: Client pays the invoice on due date; lender deducts discount fee.
Bill Discounting vs. Traditional Loans
Understand how bill discounting compares to traditional business loans:
| Criteria | Bill Discounting | Traditional Loan |
|---|---|---|
| Collateral | Invoices only | Assets required |
| Approval Time | 24 hours | 7–15 days |
| Repayment | Client pays invoice | Fixed EMIs |
| Impact on Debt | No debt recorded | Increases liability |
Bill discounting is ideal for businesses seeking quick, non-debt financing. Explore business loans.
Eligibility Criteria
To avail LoanPao’s bill discounting services, businesses must meet:
- Business Type: Registered SMEs, corporates, or partnerships.
- Annual Turnover: ₹50 lakh or more.
- Invoice Quality: Invoices from creditworthy clients, due in 30–120 days.
- Documents: GST registration, PAN card, 6 months’ bank statements, invoices.
Case Studies
Textile SME in Surat
A Surat-based textile supplier with ₹2 crore turnover faced cash flow issues due to 60-day invoice terms. LoanPao discounted ₹50 lakh in invoices at 8% p.a., disbursing ₹45 lakh in 24 hours. The business paid suppliers early, secured bulk orders, and grew revenue by 20%.
Manufacturing Unit in Ahmedabad
An Ahmedabad manufacturer needed ₹30 lakh for raw materials. Using LoanPao’s platform, they discounted ₹35 lakh in invoices, receiving funds in 24 hours. The digital process saved time, and no collateral was needed.
Testimonials
“LoanPao’s bill discounting saved my business with instant cash flow!”
Rahul Jain, Ahmedabad“Fast approvals and competitive rates. Highly recommend!”
Sneha Patel, Surat