Collateral Free
No need to pledge assets for funding.
Turn sales invoices into cash flow.Keep your business moving withsales bill discounting.
Access working capital against eligible unpaid sales invoices through a guided review and clear offer terms.
RBI Registered NBFC Clear offer terms Dedicated guidance
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One platform. Every step connected.
From invoice to working capital, Cred My Bills keeps the journey moving.
3 partiesconnected in one flow
1 journeyfrom bill to funds
100%digital-first process
24/7status visibility
Invoice discounting, explained
What is invoice discountingwith Cred My Bills?
Invoice discounting helps your business access working capital against eligible unpaid sales invoices. Instead of waiting for your buyer's payment cycle to end, an approved invoice can be reviewed for earlier funding through our NBFC lending partner.
Cred My Bills brings the application, document review and offer journey into one guided process, so you can understand the terms before you decide and keep day-to-day business moving.
See how it worksWhy Cred My Bills
Less waiting between work done and money in.
Quick Finance
Up to 100% of your invoice value can be funded within 24 hours.
Digital Process
Minimal one-time documentation required.
₹Competitive Rates
Secure better interest rates than traditional loans, without any additional collateral.
How it works
From connection to capital, seamlessly.
1
First contact
Contact us
Start your application and share your initial business requirement.
2
Dedicated support
Dedicated manager
Have a one-to-one conversation to explore the right lending solution for your business needs.
3
Verification
Verify & set limit
Your documents are verified and assessed before an eligible credit limit is approved.
4
Invoice submission
Submit invoices
Share the unpaid sales invoices you want reviewed, and your relationship manager will guide the next steps.
5
Earlier access to funds
Access working capital
Discount eligible sales invoices to access funds before your buyers pay.
You sell products and usually wait for months to receive payment?
With Cred My Bills, you can get up to 100% upfront disbursement against eligible invoices.
Buyer
Without Cred My BillsDisbursement in months
With Cred My BillsUp to 100% upfront disbursement
SME
Document checklist
Right documents today.A faster tomorrow.
Keep these documents ready to help us verify your application quickly and get you closer to funding.
Faster review Secure & confidential Hassle-free process
Business KYC
PAN, address proof and identity documents for the business and authorised signatories.
Registration proof
Certificate of incorporation, partnership deed, Udyam or other applicable registration.
GST documents
GST registration certificate and recent GST returns, where applicable.
Bank statements
Recent business bank statements for the requested review period.
Financial records
Recent financial statements and income tax returns, based on your business profile.
Trade documents
Sales invoice, customer purchase order and delivery or service-completion proof for the transaction.
Frequently Asked Questions
What is bill discounting?
Sales bill discounting lets a business receive funds against an eligible unpaid sales invoice before its due date. A discounting charge is applied, and the remaining amount becomes available as working capital.
Who can use Cred My Bills?
Cred My Bills is designed for businesses that sell goods or services to other businesses on credit terms. Final eligibility depends on the business, buyer, invoice and supporting documents.
Do I need to provide property as collateral?
Bill discounting is generally anchored to the underlying trade receivable rather than property. The exact security and terms, if any, are shown in the offer before acceptance.
How much of my invoice can be funded?
The eligible amount varies by transaction and is based on factors such as invoice value, buyer profile, payment terms and document verification. Your offer will show the approved amount clearly.
What happens when the invoice reaches its due date?
The repayment flow depends on the approved structure for your transaction. The applicable responsibility, timeline and settlement instructions are set out in the offer terms.