Invoice discounting on TReDS
TReDS platforms let MSMEs sell invoices accepted by their buyers to banks and NBFCs through an auction, without recourse to the MSME. Companies with turnover above ₹250 crore must register on TReDS.
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| Lender | Type | Rate range | Up to | Min score |
|---|---|---|---|---|
| RXIL (Receivables Exchange of India) Invoice Discounting on TReDS | TReDS Platform | 7.00% – 10.50% | ₹50 Cr | Any |
| M1xchange Invoice Discounting on TReDS | TReDS Platform | 7.00% – 10.50% | ₹50 Cr | Any |
| Invoicemart (A.TReDS) Invoice Discounting on TReDS | TReDS Platform | 7.00% – 10.50% | ₹50 Cr | Any |
As on 26 Oct 2026, RBI repo rate 5.50%. Indicative ranges; your rate depends on your profile.
Who is eligible
- Udyam-registered MSME supplier
- Buyer must be registered on the platform and accept the invoice
- No minimum credit score – pricing follows the buyer
How much you can get
- Up to the full invoice value, less discount
- Tenure usually up to 180 days
- Rate depends on the buyer’s rating, often below a bank cash-credit rate
Documents
- Udyam and GST registration
- KYC and bank account
- Invoices accepted by the buyer on the platform
Tips from our credit panel
- Ask your large buyers to register – it is mandatory for companies above ₹250 crore turnover
- Discounting on TReDS does not use your bank limit
Common questions
Is TReDS financing with recourse?
No. Once discounted, the financier collects from the buyer; the MSME is not liable if the buyer delays.
Which TReDS platforms are there?
RXIL, M1xchange, Invoicemart and others licensed by RBI.