Invoice processing, re-engineered for faster working capital

How a digital trade-receivables platform gave MSMEs, corporates, and financiers one place to turn accepted invoices into working capital, discounted competitively and funded in hours, not weeks.

Invoice Factoring

Accepted invoices, funded in hours.

A live marketplace for trade receivables, MSME sellers, corporate buyers, and bank & NBFC financiers, all on one platform.

The Problem · The Transformation

From slow, single-lender financing to a live competitive marketplace

Every manual application and one-off negotiation becomes one automated, competitive flow across sellers, buyers, and financiers.

Today · The Pain

Months-long waits

Single-lender negotiations

Manual credit checks

Fragmented onboarding

Manual settlement

The Shift

Invoices financed early

Live competitive bidding

Real-time risk engine

Role-based onboarding

NACH-automated settlement

Every party onboarded. Every bid competitive. Every settlement reconciled.

24-Hr

Fund access

Live

Competitive bidding

Real-Time

Risk & KYC

End-to-End

NACH settlement

The Solution · Invoice Factoring Platform

One competitive marketplace for invoice processing

Built for MSME sellers, corporate buyers, and bank & NBFC financiers alike, turning accepted trade receivables into a live, competitive financing marketplace.

Role-Based Onboarding

Corporate buyers, MSME sellers, and bank or NBFC financiers onboarded with secure, role-based access, every party in one trusted marketplace.

Live Competitive Bidding

Financiers place live, competing bids on every accepted invoice, sellers see the market’s best rate, not a single lender’s quote.

Real-Time Risk & KYC

A risk rule engine, CIBIL-powered credit checks, and Monetago fraud detection clear every counterparty automatically, KYC and compliance handled in real time.

NACH Settlement & ERP Integration

NACH file generation drives automated settlement and reconciliation, while ERP integrations connect the platform to enterprise finance systems end-to-end.

Dynamic Administration

Limit mapping, FU and RFU configuration, and platform administration handled without code, powered by a high-performance transaction engine.

See It In Action

The platform in 90 seconds

See the platform in action, onboarding, bidding, and settlement walkthrough

How It Works

Six steps from invoice upload to funded settlement

The platform maps the full factoring lifecycle onto one automated flow, every party onboarded, every bid competitive, every settlement reconciled.

01Onboard
Parties

02Upload &
Accept Invoice

03Validate &
Score Risk

04Financiers
Bid Live

05Accept &
Allocate

06Settle
via NACH

Corporate buyers, MSME sellers, and bank or NBFC financiers onboarded with secure, role-based access in one trusted marketplace.

Sellers upload accepted invoices as Factoring Units or Reverse Factoring Units, and counterparties confirm acceptance.

Real-time counterparty validation runs alongside a risk rule engine, CIBIL credit checks, and Monetago fraud detection.

Banks and NBFCs place live, competing bids to discount each invoice, the seller sees the market’s best offer.

Interest-bearing party bid acceptance and automated allocation match each invoice to the winning financier, no manual intervention.

NACH file generation and response upload drive automated settlement and reconciliation, funds reach the seller fast.

Onboard Parties

Corporate buyers, MSME sellers, and bank or NBFC financiers onboarded with secure, role-based access in one trusted marketplace.

Upload & Accept Invoice

Sellers upload accepted invoices as Factoring Units or Reverse Factoring Units, and counterparties confirm acceptance.

Validate & Score Risk

Real-time counterparty validation runs alongside a risk rule engine, CIBIL credit checks, and Monetago fraud detection.

Financiers Bid Live

Banks and NBFCs place live, competing bids to discount each invoice, the seller sees the market’s best offer.

Accept & Allocate

Interest-bearing party bid acceptance and automated allocation match each invoice to the winning financier, no manual intervention.

Settle via NACH

NACH file generation and response upload drive automated settlement and reconciliation, funds reach the seller fast.

Proven Business Impact

Proven on production-grade trade-receivables infrastructure

Cloud-native, secure, and built to scale, owned end-to-end by you.

24-Hr

Fund Access

Working capital in hours, not weeks.

Live

Competitive Bidding

Financiers compete for every invoice.

Real-Time

Risk & KYC

CIBIL credit and fraud checks built in.

End-to-End

NACH Settlement

Automated settlement and reconciliation.