Cash flow5 min read
01Why profitable businesses can still run short of cash
Revenue can be booked well before the money reaches your bank. Learn how payment terms, growth and operating costs create a working-capital gap.
Read insightFinsights by Cred My Bills
Money moves clearer when the numbers do.
Practical financial insights for business owners who want to understand cash flow, plan working capital and make informed funding decisions.
Working capital snapshotLive view
Cash tied up in invoices₹
ReceivablesTrack
Payment cyclePlan
Funding needDecide
Clear inputs lead to clearer decisions.
The working-capital playbook
Start with what matters now.
Short, practical explainers designed to help you connect everyday business decisions with their impact on cash.
Invoice discounting7 min read
02Turning an approved invoice into earlier working capital
A practical look at the journey from invoice and supporting documents to review, offer and repayment.
Read insightReadiness4 min read
03The five checks to make before you seek funding
Use a simple readiness check covering the buyer, invoice, documentation, repayment path and true cost.
Read insightCash flow fundamentals
Profit and cash are not the same thing.
A sale can appear in your accounts today while the buyer pays 30, 60 or 90 days later. During that wait, salaries, suppliers, rent and new orders still need cash. The distance between money going out and money coming in is the working-capital gap.
Growth can widen that gap: more orders often mean more inventory, labour and operating spend before collections arrive. A rolling cash-flow forecast helps you see the pressure before it becomes urgent.
Follow the cash, not only the sale
1 Pay to fulfil the order↓2 Deliver and raise invoice↓3 Wait through buyer terms↓4 Collect the payment
Know your numbers
Three signals worth watching.
Review these together. One metric gives a clue; the pattern gives you a more useful view of liquidity.
Days sales outstanding
The average number of days it takes to collect payment after a sale. Track the trend—not just one month—to spot slower collections early.
Simple viewReceivables ÷ credit sales × days
Invoice ageing
Groups unpaid invoices by how long they have been outstanding. A clean ageing report helps separate routine timing gaps from collection risk.
Simple viewCurrent · 30 · 60 · 90+ days
Cash conversion cycle
Shows how long cash stays tied up between paying suppliers and collecting from customers. Shorter is usually healthier for liquidity.
Simple viewInventory days + DSO − payable days
Invoice discounting guide
Use an eligible invoice to bridge the timing gap.
Invoice discounting is a working-capital facility linked to an unpaid business invoice. The invoice and transaction are reviewed, and an eligible amount may be funded before the buyer pays.
See the Cred My Bills productTiming—not demand—is the constraint
You have completed a genuine sale, raised an invoice and need liquidity before the agreed due date.
The business, buyer and transaction
Eligibility can depend on business records, buyer quality, invoice validity and supporting trade documents.
The full terms of the offer
Check funding amount, tenure, charges, repayment route, conditions and consequences of delayed payment.
Before you apply
A five-point readiness check.
Good preparation can make review easier and helps you evaluate an offer with fewer unanswered questions.
Confirm the underlying sale
Keep the invoice, purchase order and delivery or service-completion proof aligned.
Review the buyer and payment terms
Know who owes the invoice, its due date and whether any dispute or credit note is pending.
Prepare current business records
Have KYC, GST records, bank statements and financial information ready for review.
Map the repayment route
Understand how and when the funded amount and applicable charges will be settled.
Compare the complete offer
Look beyond one rate: review tenure, fees, conditions and the total amount payable.
Make an informed choice
Five questions to ask before accepting an offer.
Clear answers make facilities easier to compare and help your team plan for the full payment cycle.
- What percentage of the eligible invoice may be funded?
- Which charges apply, and when are they collected?
- What happens if the buyer pays later than expected?
- Are there conditions before or after disbursement?
- Who handles servicing, support and grievance redressal?
Ready to discuss your invoices?
Turn insight into your next informed step.
Speak with our team about your business, buyer and eligible unpaid invoices.Finsights is general educational content and not financial, legal or tax advice. Funding availability and terms are subject to eligibility and review by the lending partner.