Factoring Finance
RBI Registered NBFC-FACTOR
MSME / SME Oriented
Tech Driven
Customised Programs
Get Started
What is
Factoring Finance
from 121 Finance?
Factoring Finance allows businesses to sell their receivables (unpaid invoices) for immediate cash, to manage cash flow easily. We are India’s first RBI-registered NBFC-Factor (post RBI 2022 Factoring regulations). Our Factoring Finance, designed for businesses of all sizes, covers their Liquidity and Risk by accelerating payment on their B2B invoices.
Top Features of Purchase Finance
SME & MSME Oriented
Tailored to meet the needs of small and medium-sized businesses
Customised Programs
Flexible solutions designed to fit your unique business needs
Complete Digital Process
Experience a fully digital, simplified process to quickly access funds
RBI Registered NBFC-Factor
Ensuring transparency, compliance, and trust in every transaction
Quick Approvals
Get the financing you need without any delay & seize new opportunities
Collection & Receivable Management
Handling collections, allowing you to focus on business
Value Added Benefits
No Impact on CIBIL
Off-Balance Sheet Product
Debtor Credit Risk Covered
Benefits of Factoring Finance to Small Business
No Additional Interest Charges
Collateral Free Finance
Better Supplier Relationship
Improved Cash
Flow
Risk-Free Solution
No Fixed EMI obligation
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
Factoring Finance allows businesses to unlock cash tied up in unpaid invoices. It is beneficial for MSMEs and small businesses that need working capital to manage daily operations, fulfill new orders, or invest in growth without waiting for invoice payments.
Unlike loans, Factoring does not require collateral. Factoring is selling your receivables, so it doesn’t affect your credit score. Repayment is done when the buyer makes the payment, unlike loans with a fixed due date.*
Yes, Factoring Finance is available for all sizes of businesses. Our Factoring solution also supports small ticket size trade which is beneficial for MSME and SME businesses.
Factoring improves your customer relationships. For instance, by ensuring timely payments to your suppliers, you can negotiate better terms and offer more competitive deals to your customers, enhancing business trust and reliability.