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Invoice Financing

Invoice financing is a short-term funding solution that allows businesses to unlock immediate cash from their unpaid B2B invoices. Instead of waiting 30-90 days for customer payments, you can get up to 90% of the invoice value advanced quickly. At StartupCredit, we simplify the process by connecting reliable startups, MSMEs, and growing businesses with trusted lenders and fintech platforms. This helps manage cash flow, pay suppliers/employees on time, seize growth opportunities, and avoid cash crunches—without heavy collateral or lengthy approvals. Ideal for businesses with strong invoices from creditworthy buyers, our expert team ensures minimal documentation, fast disbursal, and transparent terms so you can focus on scaling your operations.

Quick cash flow
Invoice advance
  • Up to 90% advance on invoices
  • Quick approvals & disbursal
  • No or low collateral required
  • Support from experienced team

Our Approach

We follow a structured and transparent approach to invoice financing: First, we understand your business model, invoice portfolio, buyer quality, and cash flow needs. Then we assess eligibility, manage documentation and compliance, select the best lenders or platforms (including TReDS for MSMEs), and coordinate for fast approval and disbursement. Our goal is to provide timely liquidity against your receivables, helping you maintain smooth operations and growth without financial stress or overburdening your balance sheet.

Approval is typically fast—often within 24-72 hours for complete applications, and funds can be disbursed in 1-3 working days, depending on lender, invoice verification, and buyer creditworthiness.

Most providers advance 80-90% of the verified invoice value (after fees/discount). The exact percentage depends on buyer reliability, your business track record, and platform/lender policies.

Usually no traditional collateral is required—the unpaid invoices themselves act as security. Some options are completely unsecured, especially for strong B2B invoices from reputable buyers.

Yes—many fintech platforms and lenders in India cater specifically to startups and early-stage MSMEs. Eligibility focuses more on the quality of your invoices and buyer creditworthiness than long business history.
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