India’s leading invoice
financing platform

Bulk Udhaar is simplifying invoice financing to be fast, convenient and transparent.
Our secure technology platform introduces Vendors to our network of
Investors for short-term invoice financing.

 

Our Stakeholders

Our automated process
benefits everyone

 

Vendors

Low cost, collateral-free
short-term finance

Investors

Access to high-return and low-risk investment opportunities

Enterprises

Receive discounts on your payments and support your best suppliers

Vendors - Instant Capital

Vendors - Short-Term Financing

Finance your business on our automated platform

  • Grow your revenues by improved working capital management
  • Access low-cost financing with minimal due diligence
  • Instant funding on one-click invoice acceptance
  • No collateral or hidden fees
  • Automated invoice to payment reconciliation
Learn more
Investors - Invest with us

Investors - Alternate Fixed Income Investment Option

Fund Pre-Vetted Vendors - make higher returns at lower risks

  • Make returns as high as 20%
  • Reduce risks by financing verified SME borrowers
  • Diversify portfolio risks across multiple borrowers
  • Instant investment on a single click
  • Automated portfolio management with minimal time and effort
Learn more
Investors - Invest with us
Vendors - Instant Capital

Enterprises - Monetize Your Credit Ratings

Enable your suppliers to access low-cost financing with zero additional costs

  • No change in current workflow and improve terms
  • Strengthen relationships with Suppliers
  • 100% legal and tax compliant transactions
  • 100% standardization of payment terms
  • Automated invoice to payment reconciliation
Learn more
Vendors - Instant Capital

Need Help

Frequently Asked
Questions

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  • Individual resident investors
  • HUF/Proprietorship registered in India
  • Institutional investors
  • Banks, NBFCs and other Financial Institutions
  • NRI Investors (Provided they have an NRO account and comply with basic pre-defined KYC guidelines- Pan card and valid Indian address proof.
  • Submit information
  • An email requesting required documentation will be sent by Bulk Udhaar
  • Submit the requisite documents via upload over platform
  • Once approved, sign a service level agreement and thereafter investors are allowed to invest in the desired invoices.
We provide a facility which enables investor to purchase fragments of invoices from large number.
Before being approved to sell invoices on the platform, all invoice sellers undergoes a rigorous credit assessment by Bulk Udhaar. Only those businesses that successfully pass are able to sell invoices on the platform. Before being made available for investment, each invoice and debtor will be verified and authenticated. Investors can request to view all supporting documentation online before investing.
Invoice finance is short term financing, used to improve the working capital and cash flow position of your business. Businesses that have large corporates as customers typically have to wait 30-90 days for their invoices to be paid. Invoice finance enables you to sell your invoices at a discount and get paid immediately.
Yes, we do not require you to fund all of your invoices. You select the invoices as you want to finance, to bring in exactly the amount of cash you need for your business. Bulk Udhaar offers flexible finance and you're not tied in to long term contracts. There are no ongoing fees and you know exactly your cost of finance upfront. And importantly, we don't interfere with your customer relationship.
There are two fees:
  • Transaction fee on each invoice funded (GST is charged)
  • Discount fee to Bulk Udhaar investor
There are no hidden costs. The total cost of funding will be clearly presented before an invoice is financed and will depend on the invoice value and expected payment date. Get in touch and we'd be happy to give you pricing information specific to your business.
Bulk Udhaar is India's emerging marketplace for Invoice financing with a decentralized platform which will connect all the parties, distribute information with greater flexibility and lower the risk.
Invoice discounting is the practice of using company's unpaid invoices to raise working capital & fulfil its financial needs. Traditionally, financial institutions including banks and NBFCs have been discounting invoices for MSMEs. Invoice discounting involves transfer of rights on an asset (invoice) from the seller (i.e. business) to the financier (i.e. investor) at an agreed value.
This is where we sit down, grab a cup of coffee and dial in the details. Understanding the task at hand and ironing out the wrinkles is key. Now that we've aligned the details, it's time to get things mapped out and organized. This part is really crucial in keeping the project in line to completion.
This is where we sit down, grab a cup of coffee and dial in the details. Understanding the task at hand and ironing out the wrinkles is key. Now that we've aligned the details, it's time to get things mapped out and organized. This part is really crucial in keeping the project in line to completion.
This is where we sit down, grab a cup of coffee and dial in the details. Understanding the task at hand and ironing out the wrinkles is key. Now that we've aligned the details, it's time to get things mapped out and organized. This part is really crucial in keeping the project in line to completion.