Get paid early with your unpaid invoices

Get the funds you need now to cover expenses and grow your business.

Why should you apply for invoice discounting with CredAble?

Improve your cash flow.

Free up working capital so you can focus on growing your business.

Secure a better interest rate than a traditional loan, without any additional collateral.

Get approved quickly and easily.

Enjoy competitive interest rates and flexible repayment terms.

Dedicated relationship manager to provide you with all the support you need.

How It Works ?


Contacting Us

Reach out to us by completing the form on our website from here.


Dedicated Relationship Manager

Once you submit the form, a dedicated relationship manager will be assigned to guide you through the necessary document submission process.


Document Verification and Disbursement

Our team will carefully verify all submitted documents, and upon approval, we will disburse the sanctioned amount.


Funds in Your Account

You can expect to receive the approved amount in your bank account within 4 business days.


Buyer Payment

Your buyer is expected to make full payment by the due date.

Information we need to process your application

Individual & Business KYC details

(including PAN, Aadhaar Card information and GST number)

Last 3 years audited financial statements
Sales Ledgers
Last 12 months bank account statements

Looking for something else?

Explore all CredAble products for your business needs.

Business Loan

Purchase Invoice Discounting





Have questions? We’re here to help.

What is Invoice Discounting?

Invoice discounting is a way for businesses to quickly access funds by using their unpaid invoices as collateral. It helps maintain a steady cash flow and ensures there’s enough money available for business growth without waiting for customers to pay their invoices. 

What are the eligibility criteria for businesses?

Any business that supplies goods/services can avail the bill discounting services provided by CredAble. Eligibility and amount of discounting is governed by the creditworthiness of the business and therefore they should be willing to share their financial information and other related documents.

Does CredAble have an upper sanction limit?

The amount of funding you can get through invoice discounting with CredAble is not capped. The exact amount will depend on your business’s requirements and eligibility. 

What is the difference between invoice discounting and factoring?

Invoice discounting lets businesses use unpaid invoices as loan collateral, providing upfront amount while retaining ownership and often remaining confidential.  

In contrast, factoring means selling unpaid invoices to a third-party, yielding control, offering immediate funds but disclosing the arrangement to customers. It can be more costly but offers convenience and risk mitigation as the factor manages collections, informing customers typically. 

Please note that CredAble currently provides an invoice discounting facility but does not offer factoring services at this time.

How long does it take to set up an Invoice Discounting arrangement?

The duration for establishing an invoice discounting arrangement can vary, but generally, approval and funding typically take anywhere from 1 to 2 weeks.

Can I choose which invoices to discount, or is there a requirement to discount all invoices?

With CredAble’s invoice discounting solution, you can choose which invoices to discount once they are approved by us.

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5th Floor, Satyam Tower, Off Govandi Station Rd.,
Near Wasan Motors, Deonar,
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CredAble is the tradename for Equentia SCF Technologies Private Limited and its wholly owned subsidiary, Equentia Financial Service Private Limited, a non-deposit taking Non-Banking Financial Company (NBFC) licensed by the Reserve Bank of India (RBI) bearing registration No. 13.02344.
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