LendLease logo

Unlock Cash Flow with Factoring and Bill Discounting

Convert Your Receivables into Immediate Cash—Enhance Liquidity Without Waiting for Payments.

Unlock Working Capital Effortlessly—Fast, Collateral-Free, and Cost-Effective Solutions for Your Business Needs.

Invoice factoring / discounting

What Is Factoring and Bill Discounting?

Effortlessly Unlock Cash Flow from Your Receivables to Keep Your Business Moving Forward.
Factoring and Bill Discounting are innovative financing solutions that help businesses convert their receivables into immediate cash. By assessing the creditworthiness of your domestic or international buyers, this product offers both Recourse and Non-Recourse options to mitigate payment risks.
Invoice factoring icon

Factoring

Factoring is a financial service where businesses sell their accounts receivables (unpaid invoices) to a factoring company at a discount. This allows businesses to convert their credit sales into immediate cash, ensuring smooth operations and improved liquidity.
Key Points About Factoring
  • Available for both domestic and export invoices.

  • Includes Recourse and Non-Recourse options to mitigate payment risks.

  • Improves cash flow and reduces dependence on traditional loans.
Bill discounting icon

Bill Discounting

Bill Discounting is a financing option where businesses pledge their invoices as collateral to receive advance funds.

Unlike factoring, the business retains ownership of the receivables, using the funds to bridge working capital gaps.

Key Points About Bill Discounting:

  • Quick funding against outstanding invoices.

  • No collateral required, and limits can go up to INR 25Cr or more.

  • Helps manage payment cycles effectively.

Ready to Leverage Your Invoices?

Explore how Factoring and Bill Discounting can improve your cash flow today.

Why Choose Factoring and Bill Discounting?

Efficient, Cost-Effective, and Risk-Free Solutions to Unlock Your Business’s Potential.

Instant Cash Flow

Convert unpaid invoices into immediate cash, ensuring smooth operations and better financial stability.

Cost-Effective Financing

Lower costs compared to traditional loans, making it an affordable option for managing cash flow.
No Collateral icon

No Collateral Required

Factoring and bill discounting don’t require property or investments as collateral, making it accessible for businesses of all sizes.

Faster Processing

With minimal documentation and quick approvals, you can access funds when you need them the most.

Mitigate Payment Risks

Non-recourse factoring allows you to transfer the risk of non-payment to the factoring company, ensuring peace of mind.

Flexible and Scalable

Scale your financing with your business needs, whether for domestic or export invoices.

Ready to Unlock Your Cash Flow?

Discover the Benefits of Factoring and Bill Discounting with Lendlease Today.

How Does Factoring and Bill Discounting Work?

Convert Your Receivables into Cash in a Few Simple Steps.
01. invoices icon

Submit Invoices

Share your sample domestic or export invoices with Lendlease for assessment.

02. credit evaluation icon

Credit Evaluation

We assess the creditworthiness of your buyers (domestic or overseas) to determine risk and eligibility.

03. Proposal approved icon

Proposal & Approval

Once approved, receive up to 80-90% of the invoice value upfront as immediate cash.

04. rupee loan icon

Payment Collection

We manage payment collection from your buyers, ensuring a hassle-free process for you.

05. settlement icon

Final Settlement

Once the buyer makes the payment, you receive the remaining balance after deductions for fees or charges.

Ready to Simplify Your Cash Flow?

Contact Lendlease Today to Start Converting Your Invoices into Cash.

Who Can Benefit from Factoring and Bill Discounting?

Factoring and Bill Discounting Services Are Perfect for Businesses Across a Wide Range of Industries.

Manufacturing

Convert bulk receivables into immediate cash to manage production cycles and supplier payments efficiently.

Export/Import Businesses

Export/Import Businesses

Get funding for export invoices, ensuring timely shipments and smooth international transactions.

hospital icon

Healthcare & Pharmaceuticals

Finance receivables from overseas buyer or top tier corporates to ensure operational continuity.

retail icon

Retail & E-Commerce

Maintain liquidity to manage inventory purchases, seasonal demands, and logistics costs.

textile icon

Textile & Apparel

Manage receivables efficiently to support seasonal production cycles and export orders.

laptop icon

IT & Technology Services

Access funds from receivables generated by long-term service contracts and software projects.

logistics icon

Transportation & Logistics

Cover operational expenses like fuel, fleet maintenance, and employee salaries with faster cash flow.

Food & Beverage icon

Food & Beverage

Bridge payment gaps while ensuring timely delivery of raw materials and supplies.

Not Sure If Your Business Qualifies?

Let Our Experts Help You Determine the Right Factoring or Bill Discounting Solution for Your Needs

Why Choose Lendlease Over Approaching Banks Directly?

Tailored Solutions, Transparent Processes, and Proven Expertise You Can Count On. Our Unique Approach Saves Time, Reduces Hassle, and Secures the Best Financing Options for Your Business.
Lendlease team with client

What It Means:
1. Lendlease consolidates multiple financing options, saving you the time and effort of approaching multiple banks or institutions.

2. Access to a diverse range of funding sources, including banks, NBFCs, and private lenders.

Benefit:
1. Tailored solutions that precisely match your requirements, ensuring optimal cost and terms.

What It Means:
1. As former bankers, our team understands both sides of the equation—the lending institutions and the borrowing entities.

2. We anticipate challenges, speak the bank’s language, and position your application for maximum approval potential.

Benefit:
1. Higher success rate in securing funds, often at better rates and terms than if approached independently.

What It Means:
1. We don't just secure funds; we guide you on the best sources available in the market, considering cost, flexibility, and suitability.

2. Advice on various instruments like term loans, working capital loans, equipment leasing, bill discounting, and more.

Benefit:
1. Empowered decision-making, helping you choose the financing option that aligns with your business strategy.

What It Means:
1. We pre-evaluate your proposal internally, using our financial expertise to identify the right product and lender.

2. We ensure the proposal is well-structured, highlighting your strengths to appeal to lenders.

Benefit:
1. Reduces the risk of rejection, ensures efficient use of time, and secures the best financing partner for your needs.

What It Means:
1. We handle all aspects of the application process—documentation, submission, and follow-ups—minimizing your effort.

2. Our established relationships with financial institutions help us cut through red tape.

Benefit:
1. Faster approvals, reduced administrative burdens, and peace of mind.

What It Means:
1. We take the time to understand your business goals, challenges, and financial health.

2. Tailor-made solutions that go beyond one-size-fits-all banking products.

Benefit:
1. Financing that aligns perfectly with your business objectives.

What It Means:
1. Leverage our deep market knowledge and relationships to negotiate favorable terms.

2. Benefit from reduced interest rates, flexible repayment options, and better loan structures.

Benefit:
1. Save money while gaining financial flexibility.

What It Means:
1. Clear communication throughout the process, with no hidden fees or surprises.

2. Post-funding support to ensure smooth repayment and explore future opportunities.

Benefit:
1. Long-term partnership and trust.

Let Us Handle the Complexity While You Focus on Growth

Trusted by Businesses Across Industries

Our expertise has helped businesses of all sizes and sectors secure the financing they need to grow. Here are just a few of the companies we’ve had the privilege to partner with.
Lyrus Lifesciences Pvt Ltd
BCITS Pvt Ltd
Amrut Distilleries Pvt Ltd
Shekar Logistics Pvt Ltd

Join the Growing List of Businesses Who Trust Lendlease

Let us help your business achieve its financial goals with expert guidance and tailored solutions.

Frequently Asked Questions About Factoring and Bill Discounting

Find Answers to Your Most Common Questions About Our Services.

What is the difference between factoring and bill discounting?

Factoring involves selling your invoices to a financial institution for immediate cash, whereas bill discounting provides an advance against invoices while you retain ownership of the receivables.

What types of invoices can be factored or discounted?

Both domestic and export invoices can be factored or discounted, subject to the creditworthiness of your buyers.

How much funding can I receive through factoring or bill discounting?

You can typically receive up to 80-90% of the invoice value as immediate funding.

Do I need collateral to use factoring or bill discounting?

No, these services are collateral-free as the invoices themselves act as security.

What is the turnaround time for funding?

Funding is typically provided within 2-3 business days after invoice verification.

What is the maximum limit for factoring or bill discounting?

Lendlease offers funding limits up to INR 25Cr, ensuring adequate capital for your business needs.

What is non-recourse factoring?

Non-recourse factoring transfers the risk of non-payment by the buyer to the factoring company, protecting your business from defaults.

Can I use factoring or bill discounting alongside existing bank facilities?

Yes, these services are independent of your working capital limits and do not require an NOC from your primary banker.

What industries can benefit from factoring and bill discounting?

Industries like manufacturing, retail, export/import, IT, healthcare, logistics, and more can leverage these services to improve cash flow.

What happens if my buyer defaults on payment?

In the case of non-recourse factoring, the factoring company bears the risk of non-payment. For recourse factoring, the business retains responsibility.

Have More Questions About Factoring or Bill Discounting?

Our experts are here to help! Contact us today to get personalized answers for your business needs.

Book a Free Consultation

Leadlease Consultants

# S-813, 8th Floor, South Block
Manipal Centre, 47 Dickenson Road, Bangalore-560042
Disclaimer: Lendlease acts as a consultant and credit broker, assisting businesses in securing financing through banks and financial institutions. We do not provide financing directly; all approvals are subject to the discretion of the lending banks. Our role is to streamline the process, allowing businesses to focus on growth. A fee is charged for our consultation and facilitation services.
Call Now Button