Bill Discount Loan

Bill Discount Loan

In B2B trade, waiting for 30 to 90 days to receive payment after raising an invoice is common—but it can create cash flow problems. UGMoney Capital’ B2B Bill Discount Loan helps you unlock the working capital stuck in your unpaid invoices. Through this facility, you can present your raised invoice (bills) to us, and we provide you instant payment against it—up to 90% of the invoice value. This helps you maintain steady operations, pay vendors on time, take new orders, and grow your business—all without waiting for the customer’s actual payment.

Whether you're a supplier to corporates, distributors, manufacturers, or wholesalers, this loan gives you fast access to funds against receivables, without needing to raise debt or pledge collateral.

Our bill discounting services come with transparent charges, flexible repayment schedules, and zero hidden fees. Plus, your customer still gets the standard payment window—they pay us directly on due date. You just focus on your business.

Loan Requirements

To ensure a smooth and transparent approval process, we require essential documents that help us verify your financial stability and business need. These include:

  • Aadhaar Card, PAN Card, and Passport-size photograph (for identity and address verification)
  • GST Certificate, Udyam Registration, Shop Act License, Partnership Deed (if applicable)
  • This helps us verify the purchase and applicable discount you’re targeting
  • ITR for last 1–2 years (if applicable) or financials like P&L and Balance Sheet
  • Short note on how the loan will be used and expected ROI
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  • Any registered business supplying goods or services to another business with invoice-based payments.

  • No, this is an unsecured working capital facility based on invoice value and customer credibility.

  • We evaluate the customer's payment track record, and repayment terms can be discussed accordingly. You’re informed about all risks in advance.