CGTMSE
Credit Guarantee Fund Trust for Micro and Small Enterprises
Bill Discounting
Improve Your Cash Flow with our Bill Discounting Services
At Call For Loans, we help businesses manage their working capital efficiently through Bill Discounting. If your business sells goods or services on credit and is waiting for payments from buyers, this facility allows you to get funds in advance by discounting your bills or invoices with a financial institution.
We work with trusted banks and NBFCs to ensure quick processing, competitive discounting rates, and flexible terms that support your short-term financing needs.
When to Use Bill Discounting:
- You’ve delivered goods/services and issued an invoice
- The buyer is expected to pay after 30–120 days
- You need working capital in the meantime to fulfill new orders or pay suppliers
- You want to reduce dependency on loans or overdrafts
Who Can Apply?
Bill Discounting is suitable for:
- Manufacturers, traders, and wholesalers
- Service providers working on B2B credit terms
- Exporters with buyer credit
- Businesses with regular invoice cycles and strong client relationships
Basic Eligibility:
- Business must be operational for at least 3 year
- Creditworthy clients or buyers
- Valid invoices raised against goods/services delivered
- Clean banking and credit history
Documents Required:
- KYC documents of the business and promoters
- Business registration certificate
- GST certificate (if applicable)
- Invoices/Bills raised
- Bank statements (last 6 months)
- Purchase orders or proof of delivery (if required)
Any questions find here
You can typically receive up to 80–90% of the invoice value, depending on the buyer’s credit profile and lender policy.
In most cases, the lender collects the payment from the buyer once the invoice matures.
If the buyer defaults, the responsibility may fall back on you. However, some lenders offer risk protection or factoring services for added security.
No collateral is required. The invoice itself acts as the security for the transaction.
