Invoicemart, a joint venture between Axis Bank and mjunction services, is an RBI approved TReDS platform in India. Trade Receivables Discounting System (TReDS) was introduced to address the persistent issue of delayed payments to MSME suppliers. Invoicemart connects MSME suppliers and corporate/ CPSE buyers to multiple financiers, enabling receivables financing without debt, and without collateral.
Get paid within 24 hours of best bid acceptance
No waiting. No chasing
MSME receivables financing without debt or collateral
No buyer default risk for seller
Reduce reliance on costly short-term credit for day-to-day operations
Multiple financiers available to fund your invoice
Leverage your buyer's credit profile
One platform for all vendor payments
Strengthens vendor relationships
Connects with your existing ERP systems
Significantly reduces processing time
Multiple financiers available to fund invoices
Enabling competitive bidding on invoices
Enjoy credit cycle flexibility of up to 180 days
All funds disbursed via Invoicemart qualify for Priority Sector Lending
Access to top-rated corporates and their MSME supply chains
Customized reports and data extraction built into the platform
Low default risk as buyers are rated corporates
TReDS — Trade Receivables Discounting System — is a framework introduced by the Reserve Bank of India to address the persistent issue of delayed payments to MSME suppliers by large corporates and institutional buyers.
Delayed payments create supply chain challenges: MSMEs struggle to fund day-to-day operations, and buyers end up with poorer procurement terms. Through TReDS, MSMEs convert receivables into immediate cash, cutting reliance on costly short-term credit and freeing up funds for operations — improving liquidity across the ecosystem.
Invoicemart operates as an RBI approved TReDS platform in India. Every transaction runs through a defined settlement process, KYC compliance and a proprietary risk rule engine — protecting the MSME seller, the buyer and the financier alike.
In practical terms: once an invoice is raised and accepted by the buyer, multiple regulated financiers bid to fund it. The MSME receives payment within 24 hours of best bid acceptance. The corporate settles with the financier on the original due date. No debt is created.
Invoicemart is different from a traditional factoring company. In conventional factoring, an MSME sells its receivable to a single financier, often with restrictive terms and limited ability to negotiate rates. As an online invoice discounting platform in India, we showcase your invoice to multiple regulated financiers simultaneously for bidding. This gives you the option to discover the best rate with no dependency on a single lender.
The Trade Receivables Discounting System model shifts risk assessment to the corporate or institutional buyer, not the MSME seller. If your buyer is a large, rated corporate, your funding access is strong — regardless of your own credit history or collateral position.
TReDS registration in India is open to any MSME supplier transacting with corporate or institutional (PSUs & CPSEs) buyers. Onboarding is fully digital — no branch visit or pre-existing relationship required with any participating financier.
Mandated to register on a TReDS platform under Gazette Notification (S.O. 4845E), dated November 2024 — deadline March 31, 2025.
CPSEs must route MSME vendor payments through TReDS per Union Budget 2026, alongside GeM integration and CGTMSE credit guarantee support.
Visit Invoicemart's onboarding portal, complete the digital registration process, and start listing invoices. Our due diligence ensures every compliance check is completed and verified before any transaction is executed.
Every unpaid invoice is a missed opportunity to put your working capital to work in your own business. The delayed payment solution TReDS provides isn't a workaround — it's a structural fix, backed by RBI regulation and competitive financier participation.
Thousands of businesses across India have used our online invoice discounting platform to convert idle receivables into active working capital.
Your invoices have value the moment they're raised. Register on Invoicemart and convert your receivables into working capital within 24 hours of bid acceptance.
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“Invoicemart has enabled us to improve the financial health of our vendors, which gives us better control over procurement. Additionally, the platform has helped us streamline our vendor payments and manage our cash flows.
It is a great initiative; we are proud to be the first buyer to be registered on Invoicemart.”
Sobha Ltd.
"It is a pleasure to be associated as a financier on Invoicemart. Your choice of buyers has helped SBIGFL improve the overall quality of debtors and your operational team is responsive to our request for providing customised solutions.
Together, we expect to grow into a formidable platform to support MSME funding requirements."
SBI Global Factors
"Invoicemart has enabled us to manage our current cashflows in a better way and improve the financial health of our vendors, which gives us better control over procurement.
It also gives us an open access to various lenders with competitive pricing which fortunately helps us to reduce finance cost to some extent."
Transformers and Rectifiers India Ltd.
“Invoicemart has come out exceptionally good as a comprehensive platform to digitise the domestic invoice discounting piece, which complements the digital initiative of our bank.
We sincerely appreciate the efficiency and responsiveness of team Invoicemart to make this happen. We are certain that the platform will achieve greater heights in the days to come.”
IDFC Bank
A.Treds Ltd.,
A3, 11th Floor, Ashar IT Park,
Road No. 16Z, Wagle Industrial Estate,
Thane (W) – 400604,
Maharashtra, India
helpdesk@invoicemart.com