Invoicemart is an RBI-authorised TReDS platform for MSME suppliers in India, jointly developed by Axis Bank and mjunction services. It connects MSME suppliers, corporate/ institutional (CPSE/ PSU) buyers, and multiple banks and NBFCs within a single digital ecosystem, enabling structured receivables financing against approved trade invoices. No collateral. No debt. No disruption to your existing commercial arrangements with buyers.
For MSME suppliers, the platform resolves one persistent operational problem: the gap between the invoice raised and the payment received. That gap is where working capital gets consumed, growth slows, and short-term borrowing costs accumulate. Invoicemart helps close this gap.
Every invoice raised against a large corporate or institutional buyer represents an amount awaiting payment. Once accepted by the buyer on TReDS , it becomes eligible for financier bidding. It is money owed. What it is not, in most cases, is money available, not until 30, 60, or 90 days later, depending on the payment terms agreed at the time of procurement.
The cost of that interval is absorbed entirely by the MSME supplier. Through working capital loans. Through reduced margins. Through delayed investment in operations, inventory, or headcount.
Invoicemart, as an RBI regulated TReDS platform built for MSME suppliers and their corporate/ institutional buyers, provides a structural alternative. Once your invoice is accepted by the buyer on the platform, multiple banks and NBFCs are available to finance it. You receive payment within 24 hours of best bid acceptance. The buyer settles with the financier on the original due date. Your commercial terms with the buyer remain unchanged.
This is early payment for MSME suppliers delivered through a competitive, RBI-governed financing mechanism, not a bilateral arrangement with a single lender. Following successful financing, the transaction is without recourse to the MSME supplier, and the financier collects the amount directly from the buyer on the due date.
TReDS offers a streamlined way for MSMEs to convert approved invoices into working capital, allowing businesses to access liquidity tied to their trade receivables.
Under the TReDS framework, the financing model operates differently. Invoicemart facilitates collateral-free working capital for MSMEs through receivables financing linked to approved trade invoices, allowing MSMEs to unlock working capital based on underlying trade transactions rather than relying exclusively on their standalone credit strength.
For MSME suppliers, this means access to a working capital mechanism that does not require pledging assets, taking on additional debt, or entering secured borrowing arrangements. Nothing is added to your balance sheet. The financing is settled when the buyer pays the financier on the due date.
This helps MSMEs unlock cash from approved invoices and improve short-term cash flow before the original payment due date.
Invoicemart facilitates invoice discounting for MSMEs through a defined, digitally governed transaction process:
The competitive participation model, with multiple banks and NBFCs available to bid on the platform, is what distinguishes TReDS bill discounting from conventional factoring or single-lender invoice financing. You are not dependent on the terms of one institution. You benefit from the best available market driven rate.
Invoicemart gives MSME suppliers the infrastructure to list and discount invoices through a platform governed by RBI-authorised operational and compliance standards.
The process is fully digital. No branch visits. No physical documentation submissions. No requirement for a pre-existing relationship with any participating bank or NBFC on the platform.
For MSME suppliers looking to convert receivables into working capital, the platform provides access to a multi-financier ecosystem through a single onboarding and transaction interface, structured to support suppliers across various sectors:
For MSME suppliers evaluating platform onboarding, the documents required for TReDS registration are processed through Invoicemart's digital workflow. The onboarding process typically covers:
The platform's risk rule engine handles compliance verification before any transaction is processed. Onboarding is designed to support suppliers at scale, including those transacting with multiple corporate/institutional buyers across different industries and geographies.
All disbursements through Invoicemart qualify for Priority Sector Lending classification, an operational characteristic that directly benefits the depth and volume of financing available to MSME suppliers on the platform.
Delayed payments are a structural constraint on MSME working capital, growth capacity, and operational continuity, not a periodic inconvenience.
Invoicemart addresses this at the framework level. Not through a credit product. Not through a workaround. Through a regulated Trade Receivables Discounting System governed by the Reserve Bank of India, designed specifically to resolve the delayed payment problem for MSME suppliers transacting with large corporates and institutional buyers.
Thousands of suppliers across Mumbai, Delhi NCR, Bengaluru, Hyderabad, Chennai, Pune, Ahmedabad, Surat, Kolkata, and manufacturing hubs across Tier 2 and Tier 3 cities have used the platform to convert idle receivables into active working capital.
Complete your digital onboarding on Invoicemart and access structured receivables financing through an RBI-authorised TReDS platform built for MSME suppliers transacting with corporate and institutional buyers.
A.Treds Ltd.,
A3, 11th Floor, Ashar IT Park,
Road No. 16Z, Wagle Industrial Estate,
Thane (W) – 400604,
Maharashtra, India
customer.care@invoicemart.com