Bill Discounting / LC Discounting

Accelerate Your Cash Flow, Strengthen Trade Cycles

Managing cash flow is tough in today’s competitive environment—especially with credit sales or delayed payments. That’s why Standard Mortgage offers tailored Bill Discounting and LC Discounting solutions to help you unlock working capital fast and keep operations running smoothly.

What is Bill Discounting?

Bill Discounting is a short-term finance option where we purchase your unpaid invoices at a discount, giving you immediate cash while we collect from the buyer on the due date.

Key Benefits of Bill Discounting:

Quick access to working capital
No need for additional collateral
Improves liquidity and cash flow
Reduces credit risk and debtor follow-up
Ideal for domestic trade and B2B transactions

What is LC Discounting?

LC Discounting lets you get immediate funds against export or import transactions backed by a Letter of Credit (LC), without waiting for buyer payment.

Key Benefits of LC Discounting:

Instant liquidity against confirmed LCs
Lower financing cost due to bank assurance
Perfect for exporters and importers
Enhances trust and credibility in trade
Reduces working capital dependency

Who Can Apply?

Our bill and LC discounting services are ideal for:

Exporters and importers
Manufacturers with large clients
Traders with credit-based sales
Service providers with delayed receivables
SMEs and mid-sized enterprises

Required Documents:

Company KYC and PAN
GST registration and financials
Invoice or LC documents
Buyer’s creditworthiness proof (if applicable)
Last 6 months’ bank statements

Why Choose Standard Mortgage?

Fast processing and instant funds
Trusted by SMEs, exporters, and traders
Tailored limits based on turnover
Transparent charges – no hidden fees
Dedicated relationship managers