SIMPLIFYING B2B
TRADE CREDIT FINANCE FOR SMEs
Receivable Finance | Factoring Finance | Channel Finance | Purchase Invoice Finance | Payable Finance | TReDS Finance
Our Products
TRADE CREDIT FINANCE
Trade Credit solution ensuring liquidity for Smooth Operations and Risk Management
FACTORING FINANCE
Digital STP-based Factoring Finance for credit-based transactions in B2B trade
PURCHASE FINANCE
Empowering businesses to maintain optimal inventory levels and capitalise on growth opportunities
WORKING CAPITAL FINANCE
Customised short term finance solutions for unique and diverse needs of businesses
Our Products
TRADE CREDIT FINANCE
Trade Credit solution ensuring liquidity for Smooth Operations and Risk Management
FACTORING
FINANCE
Digital STP-based Factoring Finance for credit based transactions in B2B trade
PURCHASE
FINANCE
Empowering businesses to maintain optimal inventory levels and capitalise on growth opportunities
WORKING CAPITAL FINANCE
Customised short term finance solutions for unique and diverse needs of businesses
Trade Credit Finance
Simplifying Trade Credit Finance by removing the friction between buyers and sellers to strengthen their trust and relationship.
Enables businesses of all sizes to cover liquidity and risk by accelerating payment on their B2B invoices
Sellers receive upfront funds, ensuring working capital, risk & collections. Buyers enjoy extended credit terms, to effectively manage their cash flow.
Small seller/ SME oriented
Instant Disbursements
Friction free processes
Zero Risk Option
Collection and Receivable Management
Technology Driven
100% Customised Programs
App Based Tracking
How it works
Step 1
Understanding seller’s trade practices and credit requirements
Step 2
Buyer profile and credit limit setup
Step 3
Transaction Invoice submission
and disbursement
Factoring Finance
Digitised solution for everyone buying or selling goods/services on credit
Factoring supports the sellers in quick conversion of receivables into cash
Reverse Factoring helps buyers get instant finance, in addition to their banking limits
How it works
By selling the receivable invoice to us, without any collateral, your business can convert them into cash instantly and be free from the management of the receivables. This is faster than traditional sources of Working Capital available in the market
We are a unique NBFC-FACTOR Company
Know more about Factoring Finance
- No unnecessary or additional interest charges
- Factoring is not shown as a loan on your Balance Sheet
- Commonly known as Bill Discounting, Invoice Discounting, Invoice Financing
- Has only been available for big corporates until now
- Available for startups and financially businesses
- Based on Factoring Regulation Act 2011
Purchase Finance
working capital.
Enables businesses to maintain optimal inventory, meet customer demands and seize growth opportunities with a complete tech-driven process ensuring faster transactions.
Assures financial stability and operational efficiency through seamless and reliable financing solutions.
How it works
Step 1
Understanding Business Needs
Step 2
Cash flow assessment and Credit Limit Setup
Step 3
Transaction – Seller Invoice or Proforma Invoice Submission and immediate disbursement
Working Capital Finance
Customised finance solutions that aren’t traditionally available for
- Government contractors
- Seasonal, erratic and long cyclic businesses
- Startups and loss-making businesses
121 Finance is proud to be one of the earliest adopters and active partners on OCEN
OCEN (Open Credit Enablement Network) is a transformative initiative designed to democratize credit access in India. By providing a standardized framework, OCEN enables seamless integration between loan agents, lenders, Technology Service Providers (TSPs), and credit guarantee schemes. The network fosters a more transparent and efficient lending process, allowing small businesses to access credit more easily and affordably.
Empowering MSMEs on GeM Sahay
121 Finance is Live and Transactional on OCEN Enabled GeM Sahay. Continuing our support for the growth of MSMEs, the backbone of our economy. MSMEs can quickly access funds from 121 Finance on GeM Sahay, ensuring a smooth and swift financial experience.
121 Finance is proud to be one of the earliest adopters and active partners on OCEN
OCEN (Open Credit Enablement Network) is a transformative initiative designed to democratize credit access in India. By providing a standardized framework, OCEN enables seamless integration between loan agents, lenders, Technology Service Providers (TSPs), and credit guarantee schemes. The network fosters a more transparent and efficient lending process, allowing small businesses to access credit more easily and affordably.
Empowering MSMEs on GeM Sahay
121 Finance is Live and Transactional on OCEN Enabled GeM Sahay. Continuing our support for the growth of MSMEs, the backbone of our economy. MSMEs can quickly access funds from 121 Finance on GeM Sahay, ensuring a smooth and swift financial experience.
Feathers in our Cap
India’s first NBFC-Factor to receive the Certificate of Registration under
Registration of Factors (Reserve Bank) Regulations, 2022
Pioneers in going Live and functional on OCEN enabled GeM Sahay
Our Edge
Our Edge
- SME/ small business friendly
- Quick, Straight-Through-Processing
- Fully automated yet simple onboarding
- Receivables management back office support
- Integrated with Tally and other ERPs
- No collateral required
- Enabling 24×7 B2B payments
- Also known as Invoice Discounting, Bill Discounting, Invoice Financing
Why Us
Small Ticket Size
Small ticket size-friendly solutions designed for MSMEs, both as a seller and buyer
MSME Oriented
Tailored financial services specifically designed to meet the needs of MSMEs
Tech First
Leveraging advanced technology to streamline and enhance financing solutions
Quick Approvals
Fast and efficient approval process to ensure timely access to funds
121 Customisation
Personalized financial products to suit unique business requirements
Off balance sheet
Off-balance sheet products with no impact on your books
Small Ticket Size
Small ticket size-friendly solutions designed
for SMEs, both as a seller and buyer
SME Oriented
Tailored financial services specifically
designed to meet the needs of SMEs
Tech First
Leveraging advanced technology to
streamline and enhance financing solutions
Quick Approvals
Fast and efficient approval process to
ensure timely access to funds
121 Customisation
Personalized financial products to suit
unique business requirements
Off balance sheet
Off-balance sheet products with
no impact on your books
Trusted By
Our clients have been able to take on businesses with these larger organisations, by signing up with us.