Invoice Financing
Unlock cash tied up in unpaid customer invoices — get funded against your receivables instead of waiting 30, 60 or 90 days for payment.
For B2B businesses with payment cycles that lag behind their expenses
If your customers typically pay on extended credit terms but your suppliers or staff need to be paid sooner, invoice financing bridges that timing gap using your outstanding invoices as security.
Do you qualify?
- B2B business model with credit-based invoicing
- Invoices from creditworthy, established customers
- Clean invoice and ledger history
- GST-compliant invoicing
What you'll need to send
Send these directly on WhatsApp — one by one or all together. We'll let you know what's verified and what's still pending as you go.
- Aadhaar & PAN card
- Sample unpaid invoices
- Customer ledger/accounts receivable ageing
- GST returns (last 6 months)
- Bank statements (last 6 months)
Why apply for this through Ikaya
Faster than waiting on customers
Access a large portion of the invoice value upfront instead of waiting for the full credit period.
No new collateral needed
Your receivables themselves serve as the basis for financing.
Scales with your sales
As your invoice volume grows, so does your available financing.
Common questions
How much of the invoice value can I access?
This depends on the lender and your customer's credit profile, but typically a significant majority of the invoice value is advanced upfront.
Does my customer need to be informed?
Depending on the financing structure, your customer may or may not need to be notified — we'll clarify this for the specific lender and product.
Ready to check what you're eligible for?
Send your details on WhatsApp — get an estimate in minutes.
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