Turn Invoices into Immediate Working Capital
121 Finance enables B2B businesses to unlock cash tied in receivables through factoring – delivering fast, predictable working capital without adding debt to the balance sheet.
What is Factoring?
Factoring is a financing solution where businesses sell unpaid invoices to a financier, to access immediate funds instead of waiting for customer payments. It is not a loan, but a transaction-based structure that improves liquidity without adding debt.
INVOICES
IMMEDIATE CASH
upto 95%
Immediate Cash Flow
No Collateral Required
Off-Balance-Sheet Financing
Built for B2B Businesses
Built for Repeatable, Scalable Fund Flows
121 Finance’s factoring infrastructure enables fast, repeatable Working Capital through recurring invoice flows across B2B supply chains. Powered by proprietary technology, our platform supports scalable, high-frequency transactions that help MSMEs maintain liquidity, strengthen operations, and create predictable Working Capital movement across growing business ecosystems.
PROBLEMS
- Long payment cycles (30–90 days)
- Cash flow constraints
- Growth limited by receivables
SOLUTIONS
- Unlock capital instantly
- Predictable Working Capital cycles
- Focus on operations, not collections
Supply
Seller supplies goods/services to the Buyer
Invoice
Seller raises an invoice on the Buyer
Assign to Factor
Seller assigns invoice to Factor (NBFC/Bank)
121 pays Seller
121 gives upfront payment to the Seller (hold margin)
Buyer Pays 121
Buyer makes the full payment to 121 on the due date
Buyer Pays Later
121 repays the remaining balance to Seller
Factoring, Rebuilt as Infrastructure
121 Finance embeds itself into transaction flows, enabling seamless, repeatable working capital cycles across supply chains.
Proprietary technology infrastructure
Embedded into B2B ecosystems
Designed for high-frequency transactions
Focus on underserved MSMEs
Core Benefits
Liquidity ASAP
Access funds without waiting
Reduced Risk
Secure invoice-backed financing
No Debt Burden
Off-balance sheet structure
Receivables Management
End-to-end support
Factoring helps businesses unlock immediate liquidity from unpaid invoices while reducing cash flow risk and easing operational pressure. Since it is invoice-backed financing, it avoids adding debt burdens, while integrated receivables management and support ensure smoother collections, predictable Working Capital cycles, and uninterrupted business growth.
Use Cases & Segments
Service-based MSMEs
Manpower-heavy businesses with delayed payments
Suppliers & Vendors
Working with large buyers, wholesalers and distributors
Manufacturers
Small-to-Medium OEM Manufacturers
Government Contractors
Invoice-backed financing via public procurement
Powering Trade Financing at Scale Through GeM Sahay
121 Finance is among the earliest embedded finance partners on GeM Sahay, enabling MSMEs to access fast, collateral-free working capital at the point of transaction.
Powering growth for underserved businesses
By financing service-led and manpower-driven MSMEs, 121 Finance enables businesses traditionally excluded from credit to grow, hire, and create economic impact across communities.
Powering growth for underserved businesses
By financing service-led and manpower-driven MSMEs, 121 Finance enables businesses traditionally excluded from credit to grow, hire, and create economic impact across communities.