Invoice Discounting for Chemical Industry

The chemical industry plays an essential part in driving the Indian economy, yielding significant revenue and driving economic growth through innovation. However, amid this rapidly growing landscape, the struggle for working capital persists. This is most commonly seen when chemical companies effectively try to manage multiple invoices vital to their operations regularly.

Just like various other sectors, chemical businesses engage with a massive chunk of suppliers and vendors, resulting in significant delays when it comes to settling pending invoices. Research indicates that, on average, chemical businesses compete with nearly 30-40% of their invoices delayed for over 60 days. Conventional payment modes often lead to postponed transactions, creating hindrances in their supply chain functions and overall economic operations.

In such instances, a practical solution appears as Invoice Discounting, a strategic financial tool. Research has shown that invoice discounting can lessen payment cycles by up to 50%, significantly enhancing the cash flow and financial agility of the chemical industry.

KredX Invoice Discounting offers a streamlined option for chemical enterprises to ease the burden of unpaid, pending invoices while securing instant working capital. This financial solution empowers such companies to address various financial obligations, encompassing payroll, clearing outstanding bills, and efficiently covering distribution expenses. Access to quick working capital not only ensures timely payments but also fortifies the robustness of the industry's economic structure.

How Invoice Discounting Supports the Chemical Industry

Leveraging invoice discounting in the chemical industry provides multiple benefits.

Quick Working Capital From Unpaid Invoices

  • Access to working capital within 24-72 hours*.
  • Constant cash flow without any collateral.
  • Using outstanding invoices to cover business costs efficiently.

Supply Chain Advantages

  • Smoothening the supply chain by ensuring a continuous flow of working capital.
  • Timely management of outstanding bills, employee salaries, distributor charges, etc.
  • Efficient operations, leading to customer satisfaction.

Business Expansion

  • Boosting business growth with instant liquidity
  • Accelerating cash cycles to take up more orders, boost sales, and widen distribution networks.
  • Fostering increased sales and preparedness to meet seasonal surges

How Invoice Discounting Works

  1. A chemical company issues invoices payable within 30-90 days.
  2. Upon successful onboarding and KYC procedures, the company uploads these unpaid invoices onto the KredX platform to secure instant working capital.
  3. Funds are disbursed into the company's account within 24-72 hours*.

How KredX Can Help Grow Your Business?

One of India's prominent chemical firms fronted hindrances in managing their day-to-day operations and coping with escalating demands, exacerbated by soaring operational expenses and procurement complexities. Conventional financing routes with prolonged processes impeded their access to swift working capital, affecting their agility in responding to market demands. In response, the company opted for KredX's bill discounting platform. Remarkably, within 24-72 hours, they acquired crucial working capital, achieving operational streamlining and amplifying their market footprint. This strategic pivot empowered the company to effectively control expenses, address market requirements, and establish a resilient foundation for consistent growth in the fiercely competitive chemical sector.

KredX's Proposed Working Capital Solution

  1. The chemical company uploaded their unpaid invoices on the KredX platform.
  2. These discounted invoices were listed on the KredX platform for a 60-day duration.
  3. KredX investors purchased the invoices as per the agreed terms and conditions.
  4. The company received the requisite amount within 24-72 hours*.
  5. At the tenure end, KredX investors received the principal invested amount including their earned profits.

Why Choose KredX?

Swift Access to Funds

  • Utilise KredX's innovative invoice discounting technology for quick access to working capital.
  • Collateral-free solution

Competitive Discount Rates

  • List unpaid invoices at best-in-class market discounting rate (~1.2-2%**).

Seamless Process

  • Companies operate on a secure and efficient digital process on the KredX platform.
  • Real-time tracking of invoice statuses.

Documents Required

The following documents are required for the onboarding stage.

Pre-Sanction stage*

  • KYC of the company's directors
  • CIBIL record of directors
  • PAN Card of the company and Address Proof
  • Bank statement for the last 12 months
  • Books of account/audited financials
  • Sales data for the previous one year
  • Loan Declaration

Post-Sanction stage*

  • Board Resolution
  • Post-dated cheque
  • Tripartite undertaking involving KredX
  • Memorandum of Association and Article of Association
  • Personal guarantee letter
  • Articles of association