Dulcet Holding
Dulcet HoldingInvestment Banking
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Factoring in India

Sell your accounts receivable to a factor and get up to 90% advance. AI-powered factoring with recourse and non-recourse options, buyer collection, and ledger management.

1. Factoring is a financial transaction where a business sells its accounts receivable (invoices) to a third party (factor) at a discount in exchange for immediate cash advance.

2. Dulcet Holding offers both recourse factoring (seller bears buyer default risk) and non-recourse factoring (factor absorbs credit risk) — AI-powered selection based on buyer creditworthiness.

3. Unlike invoice discounting, factoring includes collection services — the factor collects payment directly from the buyer, manages the sales ledger, and provides credit protection.

4. AI-driven factoring decision engine analyzes buyer payment patterns, industry risk, invoice concentration, and historical defaults to determine the optimal advance rate and discount.

5. RBI-regulated under the Factoring Regulation Act, 2011 — serving MSMEs and corporates across Mumbai, Delhi, Bengaluru, Chennai, and 230+ Indian cities with 48-hour approval.

₹10L – ₹50 Cr

Loan Amount

From 11.00% p.a.

Interest Rate

30–120 days

Tenure

48 Hours

Approval

Key Features

Recourse & non-recourse factoring
Up to 90% advance on invoice value
Buyer collection & ledger management
AI buyer credit risk assessment
Credit protection (non-recourse)
Sales ledger management dashboard
RBI Factoring Act compliant
TReDS integration (RXIL/M1xchange)

Eligibility & Requirements

Business with B2B receivables
Invoice value minimum ₹10 lakh
Buyer credit rating BBB or above
GST registration mandatory
Receivables aging < 90 days
Minimum business vintage 2 years
Factoring agreement with factor

AI Market Intelligence

Live

Current Market Rate

9.5% to 14% per annum depending on credit rating and turnover

Advantages

• Immediate liquidity conversion of trade receivables into cash without increasing debt

• Non-recourse factoring options protect against customer insolvency

• Streamlined credit assessment process via TReDS platforms

Eligibility

• Must be a registered MSME as per Udyam classification

• Valid GST registration and consistent sales ledger

• Verified trade receivables with creditworthy corporate buyers

Compliance

• Registration on TReDS platforms as per RBI guidelines

• Adherence to the Factoring Regulation Act 2011

• Mandatory reporting of transactions to the Central Registry of Securitisation Asset Reconstruction and Security Interest of India

Factoring Calculator

Amount (₹)

Rate (% p.a.)

Tenure (days)

Discount Amount

₹25,890

Net Disbursement

₹9,74,110

Related Finance Products

📄Invoice Discounting💵Bill Discounting📋Sale Invoice Discounting🔗Supply Chain Finance💰Working Capital

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