Convert Trade Transactions into Working Capital
Liquidity should not have to wait for the invoice due date.
Convert eligible purchase and sales invoices into structured short-term working capital solutions through Purchase Invoice Discounting (PID) and Sales Invoice Discounting (SID).
XYZ Arrow works with businesses to evaluate their receivables/payables, transaction structure, buyer profile and funding requirements, and facilitate suitable financing solutions through banks, NBFCs and other financial institutions.
“The objective is simple: align the timing of capital with the timing of your business.”
Choose the side of the transaction that needs liquidity.
PID focuses on eligible purchase obligations. SID focuses on eligible sales receivables. The right structure depends on your transaction cycle, counterparties and financier criteria.
Purchase Invoice Discounting (PID)
Strengthen Your Procurement Cycle
Purchase Invoice Discounting (PID) helps businesses manage supplier payments by arranging financing against eligible purchase invoices.
Instead of waiting for internal cash flows to meet supplier obligations, the financier can fund the transaction subject to eligibility, buyer/supplier assessment and facility terms.
PID can help businesses:
- Improve supplier payment management
- Optimise working capital
- Maintain uninterrupted procurement
- Negotiate better supplier terms
- Manage temporary liquidity gaps
- Support higher purchase volumes without immediate cash outflow
Ideal for: Manufacturers, distributors, contractors, traders and businesses with established supplier relationships.
Sales Invoice Discounting
(SID)
Turn Receivables into Working Capital
Sales Invoice Discounting (SID) enables businesses to access funding against eligible outstanding sales invoices before the buyer's payment due date.
Instead of allowing receivables to remain locked for 30, 60, 90 or more days, eligible invoices can be considered for financing, subject to the financier's credit, transaction and documentation requirements.
SID can help businesses:
- Improve cash-flow visibility
- Reduce receivable cycles
- Fund day-to-day operations
- Meet payroll and supplier commitments
- Take on larger orders
- Support business expansion
- Reduce dependence on conventional working-capital limits
A transaction-led approach to working capital.
A disciplined process improves clarity before capital providers are engaged.
01. Understand
We understand your business, transaction cycle, invoices, buyers/suppliers and funding requirement.
02. Evaluate
We assess the transaction structure, financial profile, underlying trade and potential funding route.
03. Structure
We help identify an appropriate PID/SID structure based on the transaction and funding requirement.
04. Connect
We facilitate discussions with suitable banks, NBFCs and financial institutions
05. Execute
We coordinate documentation, transaction requirements and the financing process through the relevant funding institution.
Features of Our Services
Why Choose Us?
Structured thinking. Institutional access. Execution focus.
We work across a network comprising banks, NBFCs, financial institutions, private lenders, family offices and other capital providers.
We focus on understanding the underlying transaction and funding requirement rather than applying a one-size-fits-all financing model.
We help businesses evaluate different debt structures according to their business profile, cash flows and funding objective.
Our team brings experience across corporate funding, investment banking, financial structuring and business advisory.
From initial assessment and funding strategy to coordination with potential financing institutions, we support the process through the relevant stages.
Frequently Asked Questions
Bill Discounting is a short-term working capital financing solution that enables businesses to improve liquidity against eligible trade bills or invoices instead of waiting until the payment due date.
For businesses with genuine B2B transactions and established buyers or suppliers, bill discounting can help bridge the gap between business activity and actual cash realization. Banks and financial institutions commonly provide both purchase and sales bill discounting facilities as part of working-capital and trade-finance solutions.
Businesses with genuine B2B transactions, documented invoices, established counterparties and a demonstrable working-capital requirement may be considered. Final eligibility is determined by the relevant financier.
Depending on the structure, financiers may request KYC and corporate documents, financial statements, bank statements, GST and tax information, invoice schedules, buyer/supplier details, ageing reports, existing facility details and transaction-level documentation.
Not necessarily. SID is linked to eligible receivables or invoices, while a conventional working-capital facility can be structured differently. The most appropriate solution depends on the business, collateral, receivables, banking arrangements and financier criteria.
The amount depends on factors such as invoice quality, underlying transactions, counterparty strength, ageing, financial performance, existing facilities, repayment behaviour, documentation and the financier’s internal credit policy.
Share your business profile, approximate invoice value, buyer/supplier details, invoice ageing or payment cycle, existing borrowing and the amount of working capital required. Our team can then review the requirement and discuss potential routes.
- No. Funding is subject to project due diligence, eligibility, documentation, lender or investor appetite, commercial terms and applicable legal and regulatory requirements.
Have Outstanding Invoices or Upcoming Purchase Obligations?
Talk to XYZ Arrow for a Structured Bill Discounting Solution.
All financing is subject to eligibility, due diligence, documentation, regulatory requirements, lender/investor approval and applicable terms. XYZ Arrow does not guarantee sanction or disbursement of funding.
Contact us
- +91-8260673300
- invest@xyzarrow.com
- Globally