DOMESTIC SALES INVOICE DISCOUNTING & FACTORING
Working Capital Against Eligible Domestic Corporate Receivables
Explore invoice-backed funding for eligible sellers with genuine, verifiable sales invoices raised on qualifying domestic corporate buyers.
- Domestic Corporate Buyer Turnover: Above ₹250 Crore
- Facility: Eligible Sales Invoice / Receivables Finance
- Seller-Side Domestic Factoring
- Recourse Structure: As Approved by Financier
Product Overview
Convert Eligible Domestic Receivables Into Working Capital
Capital Yono assists eligible sellers in exploring Domestic Sales Invoice Discounting and Factoring arrangements against genuine, accepted and verifiable invoices issued to established Indian corporate buyers. The structure may help bridge the period between invoicing and contractual customer payment, subject to the financier’s approval.
The financing structure depends on the seller, buyer, underlying supply or services, invoice status, payment terms, verification and applicable recourse arrangements. Not every invoice qualifies.
Prominent Preliminary Buyer Criterion
Preliminary Buyer Eligibility
Domestic Corporate Buyer Annual Turnover: Above ₹250 Crore
This screening threshold applies to this Domestic Seller-Side Invoice Discounting / Factoring offering. Seller eligibility, buyer acceptance, invoice verification and the applicable funding route are assessed separately.
Eligible Invoices & Transaction Review
- Genuine invoice supported by completed supply or service evidence, where required.
- Identifiable domestic corporate buyer and verifiable purchase order or contract, where applicable.
- Invoice value, date, contractual due date and outstanding amount available for review.
- Buyer acknowledgement or acceptance, where required by the financier.
- No unresolved material dispute, prior assignment or conflicting charge affecting the proposed invoice, subject to financier checks.
- Satisfactory seller, buyer, GST, credit and transaction assessment.
Funding Structure
Structure Based on the Underlying Receivable
Advance percentage, funding period, buyer notification, assignment, settlement and other commercial terms are transaction-specific and will be communicated after assessment.
Eligible invoices may be financed through discounting or factoring as accepted by the selected financier. With-recourse or without-recourse structures may be considered only where available and expressly approved for the transaction.
Documents to Keep Ready
- Seller/entity KYC; GST and bank details; buyer name, constitution and available turnover information; buyer GSTIN, where applicable; purchase order/contract; invoice and payment terms; delivery challan/proof of supply or service completion as applicable; buyer acceptance/confirmation where available; receivables ageing; seller financials and outstanding debt; relevant no-dispute or assignment details requested by the financier.
FAQs
Does the buyer need annual turnover above ₹250 crore?
Yes, this is the preliminary buyer-turnover criterion for the applicable Domestic Seller-Side Invoice Discounting / Factoring route. Final eligibility also depends on seller and transaction assessment.
Is the ₹250 crore criterion a seller-turnover requirement?
No. The published threshold refers to the DOMESTIC CORPORATE BUYER. The seller’s profile is assessed separately.
Can services invoices be considered?
Eligible supply or services invoices may be assessed according to the financier’s permitted transaction types, completion evidence and buyer acceptance requirements.
Are both with-recourse and without-recourse structures available?
An applicable structure may be explored, but the final recourse terms depend on the financier, buyer, seller and transaction. Neither structure is automatic.
Is every invoice from a large buyer eligible?
No. The invoice must satisfy applicable authenticity, acceptance, payment, assignment, credit and other financier requirements.
Does this buyer threshold apply to International Factoring or Purchase Invoice Finance?
No. Those are separate products with their own eligible buyer and transaction criteria.
CTA, SEO & FORM
Explore Funding Against Your Domestic Sales Invoices
Share your domestic buyer details and eligible invoice information for a preliminary factoring assessment.
Funding is subject to eligibility, appraisal, due diligence, approval and final terms from the relevant funding provider.