Invoice discounting is a financing solution that allows businesses to quickly unlock cash from the future trade receivables at a discount. It provides fast, convenient and flexible cash flow to either bridge the business working capital needs or expand the business.

Traditionally, invoice discounting is a market that is taken up by banks and finance companies. Due to recent regulatory changes, banks will have to offer this form of financing at less competitive rates. As a crowdfunding platform is not subjected to such relation, Capital Solutions can still offer invoice discounting to small businesses at attractive rates to borrower and allow the businesses to only sell invoices as needed, giving the flexibility to manage the cash flow and working capital needs appropriately.

At the same time, Capital Solutions offer an alternative investment to investors at an attractive return. We offer good quality deals to investors with multiple layer of credit protections to investors at a relatively good returns and short duration (typically between 30 to 90 days).

Invoice Discounting
  • Step 1

    SME send invoice to customer

  • Step 2

    SME sell unpaid invoice to Capital Solutions

  • Step 3

    Capital Solutions investors submit bid and fund the loan

  • Step 4

    Capital Solutions provides upfront cash

  • Step 5

    Customer pays Capital Solutions

  • Step 6

    Capital Solutions returns balance cash

  • Step 7

    Capital Solutions pays investors

  • Business established for at least one year
  • Annual sales at least $500,000
  • Relationship with customer longer than 6 months
  • Valid invoice for goods and services + matching purchase order
  • Flexibility on funding size
  • Up to 80-85% value can be advanced
  • Credit term ranging between 30 to 90 days
  • Release working capital to do more business
  • Quick access to funds to take advantage of business opportunities
  • Improve buying power and negotiate a better deal
  • Flexibility on choosing which invoice to discount
  • No restriction on use of funds
  • No impact to financial profile and balance sheet
  • Certainty of cashflow