Trade Credit Finance
Seamless Credit for Growing Your Business. Empower Your Business with Our Quick & Flexible Working Capital Solutions.
RBI Registered NBFC-FACTOR
MSME / SME Oriented
Tech Driven
Customised Programs
Get Started
What is
Trade Credit Finance
from 121 Finance?
Our solutions are tailored to support SMEs and MSMEs tackle the trade credit gap. By extending credit for purchases and providing a flexible and reliable source of working capital, we empower both sides of the trade without disrupting the operations. We ensure businesses continue to operate smoothly while managing short-term needs.
Top Features of Trade Credit Finance
SME & MSME Oriented
Specifically designed to meet the needs of small and medium-sized enterprises
Customised Programs
Flexible solutions designed to fit your unique business needs
Instant Disbursements:
Get immediate access to funds ensuring uninterrupted business operations
RBI Registered NBFC-Factor
Ensuring transparency, compliance, and trust in every transaction
No Geographical Restrictions
Get the financing you need without any delay & seize new opportunities
Credit Option to New Buyers
Trade seamlessly across regions with no boundaries and grow your business
Value Added Benefits
Tackle Trade Credit Gap which is usually not available for
SMEs / MSMEs
Covers the
Credit Risk Management
Accounts Payable & Accounts Receivable Management
Benefits to Buyers
Instant Free Credit Period
Collateral Free Finance
2x Credit
Limits*
App Based
System
Growth Opportunities
Quick Approvals
Benefits to Sellers
Instant Disbursements
Seller Friendly
No Impact on Balance Sheet
Seller Portal
Risk-Free Solution
Customised Product
How it Works?
Step-by-Step Process to get Financed Quickly!
What we need?
GSTR details
for the past 12 months
Financial Statements
for the last 2 financial years
Bank Statements
for the immediate past one year
KYC Documents
for business & its owners
Additional Documentation
as required for approval*
FAQ
What is Trade Credit Finance and who can benefit from it?
Trade Credit Finance helps businesses with their purchases, allowing them to delay payments while maintaining smooth operations. Both buyers and sellers can benefit from extended payment terms and improved cash flow. It is like a channel finance from SME to MSME.
What is the difference between Trade Credit Finance and business loans?
Trade Credit Finance is transaction-specific and tied to a trade transaction, typically involving the purchase of goods or services. It provides flexibility for short-term financing needs, while business loans are generally broader financial products that have fixed repayment schedules and higher interest rates.
What is the eligibility criteria?
Eligibility depends on your business’s financial health, operational history, and trade volume. Typically, businesses with a minimum annual turnover of ₹5 crore and a business vintage of at least 3 years are eligible.
What is the maximum limit I can get for?
The limit depends on your specific financing needs, business eligibility, and our credit assessment. We offer competitive credit limits based on the trade volume and financial health of your business.