Features and benefits

  • Quick approval

    Quick approval

    Meet the easy eligibility criteria and submit basic documentation to get loan approval in under 24 hours*.

  • Flexible tenor

    Flexible tenor

    Opt for a convenient repayment plan until you receive payment from debtors or sell off your inventory.

  • Pre-approved loan deal

    Pre-approved loan deal

    Check for a special offer here and enjoy hassle-free funding from the Bajaj Finserv invoice finance loan.

  • Online loan tracking

    Online loan tracking

    Use the customer portal to manage your loan account and access loan information any time online.

Invoice finance is great to leverage unpaid invoices and access to much-needed capital. When done right, you can ensure optimal cash flow within your enterprise and no compromises on output, even when there are delays in payments. With the invoice finance from Bajaj Finserv, you can access the funding you need and several other loan features that offer value.

With this loan, you can get approved for up to Rs. 45 lakh, benefit from same-day loan approval*, access personalised loan deals and repay comfortably by choosing a tenor that suits your business’s cash flow.

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Eligibility criteria and documents required

  • Age


    24 to 72 years 
    *Age should be 72 at the time of loan maturity

  • Nationality


    Resident Indian citizen

  • CIBIL score

    CIBIL score

    685 or higher

  • Work status

    Work status


  • Business vintage

    Business vintage

    At least 3 years

You will need the following documents to apply

  • KYC documents
  • Relevant business financial documents
  • Business proof: Certificate of business existence
  • Bank account statements of the previous months

Application process

Business entrepreneurs can get funds quickly by filling out a quick application form. Here are the steps to follow.

  1. 1 Click on ‘APPLY ONLINE’ to open the application form
  2. 2 Enter your personal and business details
  3. 3 Upload your bank statements for the last six months
  4. 4 Get a call from our representative who will guide you on further steps

Once approved, you will get access to funds in just 24 hours*.

*Conditions apply

**Document list is indicative

Frequently asked questions

What is an invoice financing loan?

Invoice financing is a financial solution lenders offer to small businesses in need of funds. You can borrow funds against the amount pending from your customers. The funding can be used to meet your business’s short-term liquidity requirements, such as purchasing raw materials, paying salaries, and any other operational expenses.

Bajaj Finserv offers hassle-free invoice finance of up to Rs. 45 lakh with quick approval in 24 hours*. High-value financing can help you meet your business’s urgent needs. You can repay your loan over a convenient tenor.

Is invoice financing a good idea?

Cash flow is crucial to the survival of any business; however, sometimes, it becomes difficult to maintain the required working capital. This is when an invoice financing loan can offer respite through access to instant funds that can be used to address any business need.

Invoice financing offers instant capital needed to maintain cash flow and bring about economic mobility. With this instrument, unpaid invoices are used as collateral to get funds. The tool can be used only for short-term requirements and not for long-term expenses.

How much does invoice financing cost?

Bajaj Finserv offers you a hassle-free invoice financing loan at the lowest rates of interest of 17% p.a. onwards, and up to 2% of the loan is charged as processing fees. It comes with quick approval and requires minimum paperwork. In addition to this, Bajaj Finserv also offers a flexible tenor to repay the loan while you wait on your debtors to make you whole or sell your inventory.

How does invoice financing work for a company?

Outstanding invoices from the customers often cause problems in the business’s cash flow, which results in the standstill of business operations. In such cases, invoice financing offers funding against these invoices and helps ease the business’s daily expenses.

Due to the lack of funding, common roadblocks include purchasing raw material/ equipment or paying employees’ salaries. Additionally, a striking feature of invoice financing is that you are no longer dependent on your account receivables for your business expenditure, and you’re able to leverage these unpaid invoices for financial gain.

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