Funding scenario
Invoices stuck at 60 days
The work is delivered, the invoices are clean, the cash is elsewhere. Receivables finance turns billed revenue back into working money.
B2B founders learn this the slow way: revenue is an opinion, cash is a fact. You've delivered and invoiced, and the client's payment cycle is forty-five, sixty, ninety days. Meanwhile GST, salaries, and the next project's costs are due now.
Invoice discounting exists precisely for this. The invoice itself is the asset: you get most of its value now, and the balance — minus charges — when your client pays. It scales with your billing: more delivered work, more available cash.
One health check matters: financing receivables from clients who reliably pay late-but-pay is smart; financing a client who may not pay at all is a loss deferred. Be honest about which one you have.
What usually goes wrong
Not a scare list — just the mistakes we see most, so you can skip them.
- Treating a collections problem as a financing problem — discounting invoices a client is actively disputing.
- Taking expensive short-term debt while lakhs sit in clean receivables.
- Concentration: one anchor client at seventy percent of billing makes the business and the financing fragile together.
- Sloppy paperwork — in receivables finance, invoice quality is credit quality.
Products that usually fit this moment
From the live shelf. Every band is indicative and subject to lender underwriting — Ojas Loans is a lending service provider, never the lender.
Receivables
Discount clean B2B invoices and release the buyer's money early — the financing scales with delivered work.
Working capital
A working-capital line smooths the gap across many small invoices where per-invoice discounting is impractical.
Know your paperwork early
Every product page lists the exact documents by entity type — proprietorship, partnership, private limited, LLP. Pull the checklist before you talk to anyone; a complete file is the single biggest timeline saver.
Questions founders ask
Will my clients find out?
It depends on the structure — some programmes notify the buyer, others don't. Raise it openly with the consultant; there are workable answers either way.
What makes an invoice financeable?
A creditworthy buyer, delivered and accepted work, clean documentation — purchase order, invoice, acceptance — and no dispute. Large-corporate and government receivables read especially well.
Is this a loan on my balance sheet?
Structures vary; most SME invoice discounting is a borrowing against the receivable. The consultant walks you through what your specific structure means before you sign anything.
Ready when you are
Check your eligibility in a two-minute enquiry — a named consultant calls back within one working day. No sanction promises, no instant-money claims: loans come from regulated lenders, and loan money moves directly between you and the lender.
Check eligibilityTalk to an advisor