Frequently asked questions

Two charges. A discount charge - interest on the amount advanced, running by the day until your buyer pays - and our processing fee, up to 0.5% of the invoice. GST at 18% applies to the fees; interest is exempt.

Every fee is published. For your own invoice, the calculator gives you the total and the APR without a sign-up.

Because the fees are charged once but the money is only yours for 60 days, so annualising spreads a one-off cost over a short period. It is the honest number and it is the only one that lets you compare this against an overdraft. Anyone quoting you only a monthly rate is giving you a figure you cannot compare with anything.

No. There is no annual fee, no minimum volume and no exclusivity. The onboarding fee in our fee schedule is switched off by default and we will tell you before it ever applies.

Not on day one. We advance 90% and hold the rest as a retention. When your buyer pays, the retention is released to you less the charges. If your buyer deducts anything, it comes out of the retention first.

The discount charge keeps running, so it costs you more than you were quoted. Nobody calls the advance back for lateness alone. We chase the payment and you will see the position on your dashboard rather than finding out at the end.

You repay the advance. Our financing is with recourse: it moves the money forward, it does not move the risk of your buyer failing. This is the most important question on this page - we have written it out as a story with real numbers.

A credit note, quality deduction or short shipment is called dilution, and the shortfall comes out of your retention rather than out of the cash already in your account. No invoice finance anywhere covers a deduction your buyer is entitled to make.

Then the financing stops there - a disputed invoice is not funded. If the dispute comes after disbursement, it is treated as dilution and resolved between you and your buyer. We record it, we do not adjudicate it.

Withdraw it any time before you accept a quote, at no cost. Once you have accepted and the money has moved, it is a live facility and it runs to the due date.

They will be asked to confirm the invoice is genuine and unpaid - that is unavoidable and it is the check that makes the whole thing work. Beyond that they are not told the invoice has been financed, and nothing about how they pay changes.

No. They get a link, they see one screen with the invoice number, amount and due date, and they click. No account, no password, no app, no integration.

It costs them nothing and does not change their payment date, which is the honest answer and usually the end of the conversation. The question they do ask is what financiers can see about them - we have answered that in detail, and you are welcome to send them the page.

Then we cannot finance that invoice, and we will tell you promptly rather than leaving it pending. A buyer who will not confirm a genuine invoice is worth understanding for reasons beyond financing.

No. We are a technology and origination platform. Every rupee comes from partner banks and NBFCs who are regulated by the RBI, and they make every credit decision. We never hold your money - under RBI’s digital lending rules, disbursal goes directly from the lender to your account.

Our processing fee, and nothing else. The discount charge goes to the financier in full. We take no share of the interest, so we have no reason to steer you to a more expensive quote.

Because if your buyer is registered on an exchange, that is usually the cheaper route, and you would find that out eventually. We would rather lose an invoice than a reputation. We are not part of TReDS and earn nothing from it either way - here is how to check whether you are eligible.

We use it to verify invoices and to run the financing. We do not sell it and we do not build a credit product out of it. The formal position is in the privacy policy, and if the policy and our behaviour ever disagree, tell the grievance officer.

Use the grievance redressal page. It names the officer, gives the timelines we hold ourselves to, and tells you how to escalate to the RBI Ombudsman if we do not resolve it.