CAPITALSETU PRIVATE

LIMITED
Sales Invoice Discounting
 About Us

Welcome to Capital Setu, your gateway to financial empowerment. At Capital

Setu, we believe in creating bridges to financial success by providing accessible
and comprehensive resources for investment, financial planning, and wealth
management. Our platform is dedicated to guiding individuals and businesses
towards informed financial decisions through expert advice, market insights,
and educational content.

With a commitment to transparency, integrity, and customer-centricity, we

strive to empower our users with the knowledge and tools necessary to
navigate the complexities of the financial world. Whether you're a seasoned
investor or just starting your financial journey, Capital Setu is here to…

Mission Vision
We strive to optimize your Empowering businesses through
financial operations, enhance innovative financial solutions and
collaboration within ecosystems, cutting-edge technology.
and drive sustainable growth.

BUILDING DIGITAL BUSINESS

ECOSYSTEM
A-64, A-Block, Sector-63,
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Noida Uttar Pradesh- 201301
 Why Choose
CapitalSetu?

10000+ 1250+ 4500+

Number of Number of businesses Distributors
invoice financed onboarded

450 Cr 1250+ 25+

Total Amount Turnover growth of Financial institutions
disbursed businesses through us onboarded
47% Annual average growth rate

5+ 500+ 90+
Presence in 5+ Business partners Strong team of
countries & 21 states (SetuDost) professionals

A-64, A-Block, Sector-63,

Noida Uttar Pradesh- 201301 www.capitalsetu.com info@capitalsetu.com +91 96677 90486
CHALLENGES FACED BY SUPPLIER WHO WILL
AVAIL SID (SALES INVOICE DISCOUNTING)

Limited credit facility

Delay in Payments Too much collection Unpredictable cash given by supplier to
efforts, Regular flow leads Inventory buyers which leads to
followup to debtors mismanagement less sale

No additional Good margins but Saturated growth Risk of Bad Debts:

Collateral to access always Tight rate of organisation 100% risk in case of
default
additional working liquidity at a particular point
capital facility

Gap between Rising demand High capital and Disrupted Supply Vendor and
receivable and and competition operational cost chain Supplier
payables from emerging management relationship
impacting working markets. effecting getting impacted.
capital. business revenue

Invoice discounting increases the cash flow in the business organisation. This
fund helps to accelerate additional growth. Here, instead of waiting for the
customers to pay, one can discount the sales invoices from the lending
institution to meet its cash requirements.

Waiting for customers to pay invoices can put a strain on small-to-medium sized
businesses’ cash flow. That’s where invoice discounting comes in.

A-64, A-Block, Sector-63,

www.capitalsetu.com info@capitalsetu.com +91 96677 90486
Noida Uttar Pradesh- 201301
 ADVANTAGES FOR COMPANIES:

Improved Cash Flow Working Capital Protection from Bad No New Debt
Management Debts
Immediate access to cash for Optimizes working capital by Mitigates the risk of bad debts Off-balance-sheet financing
short-term financial needs. converting receivables into through better credit doesn't impact the company's
cash, reducing the reliance on management. debt-to-equity ratio.
loans.

Additional Credit Limit Flexibility Faster Growth Avoiding Late

Payment Issues
Provides more credit to Companies can selectively Improved cash flow enables Helps companies avoid
customers, potentially leading choose which invoices to businesses to seize growth negative impacts of late
to increased sales. discount based on their opportunities. customer payments.
financial needs.

Cost Savings Outsourcing Receivables Competitive

Management Advantage

Can be a more cost-effective Providers often handle Enhances financial stability,

financing option compared to collections, saving time and enabling better terms with
loans or lines of credit. resources. suppliers and innovation
investments.

DOCUMENTS EXECUTED

Bank change letter

Assigning of receivables
MOU b/w anchor and lender

A-64, A-Block, Sector-63,

www.capitalsetu.com info@capitalsetu.com +91 96677 90486
Noida Uttar Pradesh- 201301
SOLUTION

Invoice discounting enables businesses to gain instant access to cash tied up in

unpaid invoices and tap into the value of their sales ledger. It's simple: when you
invoice a customer or client, you receive a percentage of the total from the
lender, providing your business with a cash flow boost.

Buyer issues purchase order.

SUPPLIER 1 BUYER
2
Supplier sells Goods and
sends invoice to Buyer.

TRANSACTION FLOW

1
Supplier sends copy of invoices CapitalSetu verifies
to CapitalSetu for financing. Invoices from buyers.
3 4
CapitalSetu pays to Suppliers Buyer makes payment on due
after invoice approval. 5 6 date to CapitalSetu.

TERMS

Parameters Description

Program Size Depends on Credit worthiness of Anchor

Nature of Facility SID facility for Anchor

Tenure of Facility Upto 90 days

Stale period 30 days

Rate of Interest 10%-18 % (Vary on basis of size and credit rating of Anchor )

Upto 1 to 2 %(Vary on basis of size and credit rating of

Processing fees
Anchor )

FLDG 10% to 20%

A-64, A-Block, Sector-63,

www.capitalsetu.com info@capitalsetu.com +91 96677 90486
Noida Uttar Pradesh- 201301
 ADVANTAGES OF INVOICE DISCOUNTING

Business Expansion Improve relation with Improve Cashflow Risk Free Return
potential investor &
lender

Early Payment Unobstructed Flexibility in Invoice Proven as

Operation & Business Lifesaver
Sustainable Growth

CLIENTS SNEAK PEEK

A-64, A-Block, Sector-63,

www.capitalsetu.com info@capitalsetu.com +91 96677 90486
Noida Uttar Pradesh- 201301
 PROCESS OF SID

Step 1 Step 2 Step 3

Supplier/Anchor Evaluation done on Master credit limit

Digitally onboarded the basis of Supplier allocated to Supplier
on CapitalSetu credit worthiness, its for its entire sale or
Platform buyers, buyers sale done to specific
credit worthiness buyers where tenure
includes credit depends upon credit
Rating period exist

Step 4 Step 5

Limit activated and Repayment will

whenever supplier be done by
will share the bill, Buyer in
payment will be CapitalSetu
released by account
capitalsetu to
supplier entity

A-64, A-Block, Sector-63,

www.capitalsetu.com info@capitalsetu.com +91 96677 90486
Noida Uttar Pradesh- 201301
 TESTIMONIALS

Managing supplier relationships and payments Capital Setu has truly transformed the way I
used to be a headache until we started using manage my business finances. Their cutting-
Capital Setu. Their supply chain finance edge Fintech solutions have simplified the
solutions have made our procurement process complex world of supply chain finance and
smoother and more transparent. The Dynamic invoice discounting. The Business Health Report
Discounting option has not only strengthened has been a game-changer, helping me make
our supplier relationships but also helped us informed decisions about my company's
save money. Capital Setu is a game-changer in financial health. With Capital Setu, I feel more in
the world of finance. control of my cash flow, and my business is
Ankit Verma thriving as a result.
Karan Dubey

AWARDS

Rising Star Entrepreneur Award Global Femina excellence Award- Influencer award for Social
for Scaling up business in shorter Entrepreneurship & innovation Contributions by CA
duration by ICAI Happiness Club

Selected as part of Financial 80 IAC

Inclusion Cohort by IIM A for 2 Recognised Startups Award
consecutive years (Backed by Bill &
Melinda gates foundation)

A-64, A-Block, Sector-63,

Noida Uttar Pradesh- 201301 www.capitalsetu.com info@capitalsetu.com +91 96677 90486
LET'S
CONNECT
WITH US!
A-64, A-Block, Sector-63,
Noida Uttar Pradesh- 201301

www.capitalsetu.com

info@capitalsetu.com

+91 96677 90486