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For MSMEs billing large buyers

You delivered. They pay in 60 days. You need the money now.

BZi Growth turns your unpaid invoice into cash in 24-72 hours. Banks and NBFCs put up the money; we do the checking, the paperwork and the chasing.

See what you would getHow this works

No sign-up, no phone number, no sales call. Put in your invoice amount and the date your buyer pays, and you get the number and the cost on one screen.

24-72 hrs
from confirmed invoice to cash
up to 0.5%
processing fee on the invoice value
Terms and conditions apply
3
lenders competing on every deal

Whose money it is

Not ours. Every rupee comes from a bank or an NBFC regulated by the Reserve Bank of India. We find the invoice, check it and chase it; they decide and they fund. Your money never passes through an account we control.

Three steps

  1. Upload your invoice

    We check your GST filing, the e-invoice reference and the e-way bill automatically. Usually under two minutes.

  2. Your buyer confirms

    Two clicks from an email - above ₹5 lakh they sign in instead. They still pay on the original due date - nothing changes for them.

  3. You pick a quote

    Financiers compete. You compare the total cost of each, not just the headline rate, and choose.

Who you are

An MSME supplierWhat it costs, what you need, how fast.Read moreA corporate buyerYour payment terms do not change. Stronger suppliers.Read moreA bank or NBFCSelf-liquidating 30-120 day paper, and the controls we run.Read more

A worked example, priced today

What happens to a ₹10 lakh invoice

TAX INVOICEABC/26-27/0412

ABC Private Limited

X, India

Billed to

X Limited, X

Goods soldQty 2,400₹10,00,000
Dated9 Nov 2026Terms60 daysDue8 Jan 2027

An illustration. The names are made up; the prices are today's.

  1. 9 Nov10:14

    You upload it

    A PDF or a photo. We read the e-invoice QR and match the invoice against your GST filing and the e-way bill, so a mismatch shows up now, not after a lender has looked.

  2. 9 Nov10:20

    We ask your buyer

    Their accounts team gets an email with the invoice. Small invoices take two clicks; above ₹5 lakh they sign in. They still pay on the original due date.

  3. 10 Nov11:02

    Your buyer confirms

    From here the invoice is a promise to pay from a large company - which is what a bank will lend against.

  4. 10 Nov16:40

    Lenders quote

    Banks and NBFCs price it. You see each one's total cost in rupees, not only the rate, and pick. The best quote here was 1.15% per month.

  5. 11 Novby evening

    ₹8,75,170 reaches your account

    We give 90% of the invoice
    ₹9,00,000
    Lender’s discount charge, 60 days
    - ₹20,700
    Our processing fee
    - ₹3,500
    GST on our fee
    - ₹630
    In your account
    ₹8,75,170

  6. 8 Janday 60

    Your buyer pays you, and you pay back what you borrowed

    Your buyer pays you the full ₹10,00,000, as always. You pay back the ₹9,00,000 you borrowed. All in, this invoice cost ₹24,830, or 2.48% of its value.

Put in your own invoice

See your own numbers before anyone calls you.

Put in your invoice amount and the date your buyer pays. You get what you would receive, what it costs and the annualised rate - on one screen, with no sign-up.

See what you would get

Run on our live pricing engine - the same one behind the calculator.