Dulcet Holding
Dulcet HoldingAI Finance · India
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TReDS · RXIL · MSME Priority · RBI Compliant

Bill
Discounting

Get instant liquidity against your invoices with 6-model AI assessment — Invoice AI, GST AI, Risk AI, Credit AI, Market AI & Fraud AI. Rates from 8.5% p.a., T+1 disbursement.

Current Market Snapshot

Discount Rate8.5 – 13%
Max Invoice Size₹10 Crores
Tenure Range30 – 180 Days
DisbursementT+1 Settlement
RXIL Fee0.25% flat
Eligible EntitiesAll MSME Sellers
RBI · TReDS 2.0 · MSME Act 2006 Compliant
6-Engine AI Ensemble — Real-Time Assessment
Invoice AI

Invoice Pattern Analysis

GST AI

GST Reconciliation

Risk AI

Risk Narrative

Credit AI

Buyer Credit Check

Market AI

Market Rate Intel

Fraud AI

Fraud Detection

Live Calculator

Discount Cost Calculator

Invoice Amount (₹)₹10,00,000
Discount Rate (% p.a.)9.5%
Tenure (Days)90 days

Calculation Result

Invoice Amount₹10,00,000
Discount Amount₹23,425
Net Proceeds₹9,76,575
Effective Cost9.5% p.a.
Disbursement DayT+1 Working Day

You receive ₹9,76,575 today instead of waiting 90 days

How It Works

From invoice submission to money in your account — fully automated

01

Submit Invoice

Upload invoice with buyer GSTIN, amount & due date

02

AI Verification

6-model ensemble checks GST, fraud, buyer credit & market rates

03

Lender Bidding

Verified financiers compete to give you the lowest rate

04

Rate Lock

Best rate finalized — you accept with one click

05

T+1 Disburse

Funds credited to your account the next working day

06

Buyer Repays

On due date, buyer pays directly — cycle closed

Why Dul-fin Bill Discounting

6-Model AI Assessment

Invoice AI + GST AI + Risk AI + Credit AI + Market AI + Fraud AI consensus in under 60 seconds

RBI TReDS Compliant

Fully compliant with RBI TReDS 2.0 & MSME Act 2006 regulations

T+1 Disbursement

Funds credited next working day — fastest in the market

Lowest Rates Guaranteed

Competitive bidding from 50+ verified financiers ensures best rates

Zero Collateral

Invoice-backed financing — no additional collateral required

Real-Time Tracking

Track every stage via live dashboard with AI-powered alerts

Eligibility

GST registered MSME (Udyam preferred)
Minimum 6 months business operation
Invoice from creditworthy anchor buyer
GSTIN-linked invoice (IRN/e-invoice preferred)
Invoice amount: ₹1L – ₹10Cr per transaction
No existing NPA in banking system

Documents Needed

GST Certificate + Last 12 months GST returns
PAN Card (business + directors)
Invoice copy + E-way bill / delivery proof
Bank statements (last 6 months)
Udyam Registration Certificate
KYC of authorized signatory

Get Your Invoice
Assessed in 60 Seconds

Our AI ensemble analyses your invoice, checks buyer credit, validates GST, and finds you the lowest discount rate — automatically.

✦ Check your loan eligibility free
Live · 40 Modules · 12 Active Data Flows

Multi-Module AINeural Architecture

Advanced interconnection hub — every module is live-linked with AI-orchestrated data fetching, cross-platform synaptic flows, and autonomous signal routing.

Active Modules40
Data Flows / Day28,400+
AI Decisions / Hr1,200+
Synapse Links48
Live AI Neural Architecture · 38 Modules · 53 Synaptic Links

Multi-Module AI Neural Network

Every module is a live node — real-time data flows, AI orchestration signals, and cross-platform synapse connections visualised below.

AI5 modules
Lending7 modules
Trade7 modules
Invest6 modules
Ops7 modules
Ent6 modules
Live AI Data Flows

Cross-Module Signal Routing

CRM LeadLOS Application
AI Lead Scoring
2,340/day
LOS ApplicationDocument Hub
Auto Document Request
890/day
Document HubAI Verification
Vision OCR Engine
1,200/day
AI VerificationUnderwriting
Deep Reasoning AI
450/day
UnderwritingSanction Engine
Credit Policy Check
320/day
Sanction EnginePayment Gateway
Auto Disbursal
280/day
Invoice UploadTReDS Exchange
Auto-Bid Agent
1,800/day
TReDS BidSCF Ledger
Remittance Confirm
960/day
Risk SentinelNPA Provisioning
Basel III Engine
10k signals/s
WhatsApp BotCRM Timeline
Customer Msg Sync
4,500/day
GST PortalCompliance Hub
Auto Filing Check
Daily
MCA PortalEnrichment DB
Director Scrape AI
Real-time

Complete Module Registry

LIVE

AI Cockpit

AI Hub

AI Load87%
LIVE

AI Agent Workspace

AI Hub

AI Load72%
LIVE

AI Skills Hub

AI Hub

AI Load65%
LIVE

Agent Hub

AI Hub

AI Load58%
LIVE

Platform Intelligence

AI Hub

AI Load80%
LIVE

AI Skills Engine

AI Hub

AI Load91%
LIVE

Loan Hub

Lending

AI Load76%
LIVE

Loan Origination

Lending

AI Load68%
LIVE

Loan Management

Lending

AI Load55%
LIVE

MSME Credit

Lending

AI Load44%
LIVE

BNPL Workflow

Lending

AI Load38%
LIVE

P2P Lending

Lending

AI Load32%
LIVE

Dealer Finance

Lending

AI Load47%
LIVE

SCF Platform

Trade & SCF

AI Load88%
LIVE

TReDS / RXIL

Trade & SCF

AI Load94%
LIVE

Trade Finance Hub

Trade & SCF

AI Load62%
LIVE

Invoice Management

Trade & SCF

AI Load71%
LIVE

SCF Kanban

Trade & SCF

AI Load53%
LIVE

Anchor Database

Trade & SCF

AI Load41%
LIVE

Bill Discounting

Trade & SCF

AI Load67%
LIVE

B2B Receivables

Trade & SCF

AI Load59%
LIVE

Investments Hub

Investments

AI Load48%
LIVE

Mutual Funds

Investments

AI Load36%
LIVE

Forex Trading

Investments

AI Load52%
LIVE

Insurance

Investments

AI Load28%
LIVE

Investor Portal

Investments

AI Load33%
LIVE

Neo Banking

Investments

AI Load41%
LIVE

CRM System

Operations

AI Load96%
LIVE

Analytics Hub

Operations

AI Load78%
LIVE

Documents Hub

Operations

AI Load82%
LIVE

Compliance Hub

Operations

AI Load61%
LIVE

Workflow Automation

Operations

AI Load74%
LIVE

Payments Hub

Operations

AI Load85%
LIVE

Ledger System

Operations

AI Load69%
LIVE

Admin Hub

Enterprise

AI Load77%
LIVE

HRMS Hub

Enterprise

AI Load44%
LIVE

E-Signing

Enterprise

AI Load38%
LIVE

Module Network

Enterprise

AI Load56%
LIVE

Platform Suite

Enterprise

AI Load62%
LIVE

D365 Finance

Enterprise

AI Load47%

AI-Native Architecture Principles

Every module follows the same AI-first design contract — zero manual data entry, perpetual memory, real-time sync.

Deep Reasoning Engine

Every decision backed by multi-step reasoning across 500-page documents, covenant checks, and financial ratios.

Cross-Module Data Sync

CRM → LOS → LMS → Ledger — all automatically synced. No re-entry. AI carries context across every stage.

Compliance Intelligence

RBI, SEBI, DPDP, Basel III — statutory obligations auto-checked at every module boundary in real time.

10k Signal/Sec Processing

NPA sentinel, FX risk monitor, and anomaly detection operating continuously across the entire portfolio.

Autonomous AI Agents

6 purpose-built agents traversing government portals, exchanges, and compliance systems without human oversight.

Perpetual Memory Layer

Every client interaction, document, and decision stored in sovereign on-prem AI vault with cross-session recall.