Get funded instantly on your sales invoices

Improve your working capital with Invoice Financing

Instant business loans at competitive rates

Collateral-free and with zero paperwork

Flexible tenures. Zero prepayment charges

Easy to use. No buyer company involvement

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The smartest way to get funded on your invoices

We take the privacy of your data very seriously. Right from data transmission to storage, we ensure top-end encryption and the strictest privacy protocols.

Your Quickest Source of Working Capital

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  • Receive money in your account within 2-4 hours of raising your request.*
  • Choose a loan tenure that is best-suited for your business needs.

Most Competitive Discounting Rates

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  • Get attractive discounting rates on invoices generated for large corporates.*
  • Receive instant credit without having to involve your buyers.

Fully Digital Journey with Minimal Friction

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  • Digitally secure cash on your unpaid invoices with no collaterals or site visits.
  • Invoices auto-fetched from GSTN portal. No uploading required.

Why Clear Invoice Financing?

Loan disbursement within 2-4 hours

Onboarding to Disbursement within 48 hours. Subsequent transactions in 4 hrs.

Longer tenures for your credit

Up to 90 days of credit on each invoice to fulfil most credit requirements

Leverage your GST filings

Sales invoices imported from GST portal minimising errors

Day-based interest computation

Pay interest only for the actual number of days that you avail the credit for

How does Invoice Financing work?

Here's how you can get instant capital with Clear Invoice Financing
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About Clear Finance

Clear Finance is the latest financial services offering from Clear, the makers of Cleartax. We are eager to replicate our success in simplifying tax and compliance to the financial services sector, in short “simplify finance”. We are focused on creating customer-first products that reimagine what is possible and simplify financial services, to help supply-side partners manage their funnel exposure smartly and as per need.

The Clear Invoice Financing product was launched to solve the working capital challenge that companies face when they are part of large supply chains. Clear has been helping vendors get paid early on their verified sales to large corporations, much before the actual due date of the invoice. Our Invoice Discounting programme is already accessed by over 10,000 vendors, who use it to manage their working capital.

The Invoice Financing programme enables vendors to access collateral-free capital when they need it most. This will help vendors access capital when their receivables are otherwise blocked in complex payment cycles of their buyers. Same-day disbursements ensure vendors can optimise their working capital in an easy and quick manner.

Get your invoices financed instantly – with no dependency on collaterals, paper invoices or buyer acceptance.
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Frequently asked questions

1. Is Clear Finance lending on its own books?

The Invoice Financing program is run by Clear Finance in partnership with our financing partners, e.g., Bajaj Finance. The credit limit will be assigned directly by the financiers, e.g., Bajaj Finance.

2. What are the high-level eligibility criteria?

Sole proprietary, with GST history of at least 2 years, and 12 months of sales history against a buyer with a turnover of ₹ 100 Crores+.

3. What information is required to get a sanction?

We would require promoter details along with company details, GST details, and account details via Account aggregators.

4. Can I get funding against an invoice if I have already raised funds against it with my existing bank/another NBFC/TReDS?

No. If an invoice is already funded, it can’t be funded again via this program.

5. Are there pre-payment penalties?

There are no pre-payment penalties. You have to pay interest only for the days you have availed credit for.

6. Can repayment be collected from my buyer directly?

No. The party availing credit is responsible for repayment as well.

7. How will the collection happen for the credit?

Collection on the due date will be done via an e-mandate triggered by the financial partner on your primary account. You have the option to prepay as well directly to the financial partner via net banking before the due date.

More questions? Contact us