What is
Invoice Discounting?
It is a form of financing chosen by businesses to tap into their unpaid invoices so that they can meet their working capital requirements.
Essentially, it is post-sales funding. Businesses avail financing towards unpaid invoices for the goods already delivered at a pre-determined cost.
11%-13%
IRR
1-3 Months
Tenure
Why invest in an Invoice Discounting Opportunity?
Short tenure with good yields
helps boost your investment portfolio
Exposure to high quality companies
making the risk reward favourable
Diversify your portfolio
across different industries and sectors
Credit Assessment Process
Credibility of parties involved
- Prior records on raised invoices & timely payments
- Credit history of the parties involved
Verification of invoices
- Authenticity of the underlying invoices
- Validate delivery of goods/services
Analysing working capital cycles
- Understanding ageing of receivables and payables
- Determining cash realisation cycles
Assessing payment flows
- Cash control mechanisms such as an escrow accoun
- Visibility of bank accounts
Have more questions?
Check out our FAQs section to know more
Eligibility
Anyone above the age of 18 years, who is a citizen of India, and has valid KYC documents can invest on Jiraaf.
As an NRI, you can register, and invest in Invoice Discounting opportunities on Jiraaf. You would have to provide proof of Indian citizenship (we would require an Indian Passport to complete your KYC) and you will require an NRO bank account for debiting and crediting funds.
Registration & KYC
We have simple 3-step KYC process which includes providing your PAN card, address proof (masked Aadhaar, passport and voter id ) and bank details.
You can register by providing your mobile number. This will give you access to view opportunities listed on the platform. To start investing, you would need to complete your KYC in 3 simple steps: Enter your PAN, upload an address proof document and provide your bank details. You are all set to start investing.
Risk mitigation factors
Participate with financially strong companies
Credit comfort from underlying trades
Strong transaction history
