Cash credit, invoice discounting, TReDS, supply chain finance, CGTMSE and limit enhancement, compared side by side.
Most businesses need a mix, not a bigger loan. Hover a card to explore.
A running limit against stock and debtors. Interest is charged only on what you use.
Best for steady, recurring cyclesGet paid on invoices before the due date. Pricing leans on your buyer’s credit strength.
Best for strong buyers on long creditRBI-regulated platforms where financiers bid on invoices raised on corporates and PSUs, without recourse to you.
Best for suppliers to large buyersVendor and dealer programmes anchored by a large company you already sell to or buy from.
Best for vendors and dealers of an anchorCredit guarantee cover that lets eligible micro and small units borrow without third-party collateral.
Best for collateral-light businessesA rebuilt CMA, a stronger renewal file, or a move to a lender that prices your account fairly.
Best when you have outgrown your limit| CC / OD | Invoice discounting | TReDS | Supply chain finance | |
|---|---|---|---|---|
| Security basis | Stock, debtors, often collateral | The invoice | Buyer-accepted invoice | Anchor relationship |
| Recourse to you | Full | Usually with recourse | Without recourse | Depends on programme |
| What drives cost | Your credit profile | Buyer quality and your profile | Buyer rating, competing bids | Anchor’s rating |
| Buyer involvement | None | Low to medium | Buyer must be on the platform | Anchor sets it up |
Keep reading.