SIMPLIFYING
TRADE CREDIT FINANCE FOR SMEs

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

Simplifying Purchase Finance by providing businesses with the funds they need to acquire goods and services without depleting their
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.