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

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

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

Disbursed
0 cr+
Invoices Discounted
0 +
Cities served
0

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

Home

Small Ticket Size

Small ticket size-friendly solutions designed for MSMEs, both as a seller and buyer

Home

MSME Oriented

Tailored financial services specifically designed to meet the needs of MSMEs

Home

Tech First

Leveraging advanced technology to streamline and enhance financing solutions

Home

Quick Approvals

Fast and efficient approval process to ensure timely access to funds 

Home

121 Customisation

Personalized financial products to suit unique business requirements 

Home

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.

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