Product Offerings for Borrowers
Product Offerings For Borrowers
P2P Supply Chain Financing
At FlexiP2P, we offer a range of supply chain financing solutions tailored to address the diverse needs of businesses. These solutions empower businesses to unlock working capital, strengthen relationships with suppliers and customers, and ensure smooth operations across the supply chain.
- Purchase Invoice Discounting
- Sales Invoice Discounting
- Vendor Discounting
- Channel Finance
P2P Regular Loan Products
FlexiP2P offers a variety of loan products to cater to diverse financial needs, ensuring borrowers can access funds quickly and conveniently. These loans are designed to provide financial flexibility, support personal and business growth, and simplify debt management.
- Personal Loans
- Business Loans
- Debt Consolidation Loans
- Education Loans
Supply Chain Financing Solutions
Supply Chain Financing Solutions
Purchase Invoice Discounting
This solution allows lenders to fund invoices that businesses receive from their suppliers, providing much-needed working capital to pay suppliers early. It enables businesses to maintain supplier trust and ensure seamless operations while awaiting the sale of goods or payment from customers.
For example, a retailer with a ₹5,00,000 supplier invoice due in 60 days can receive ₹4,50,000 upfront from the lender. The retailer then repays the lender with interest after 60 days.
Sales Invoice Discounting
With sales invoice discounting, businesses can unlock cash tied up in customer receivables. Lenders fund the invoices issued to customers, allowing businesses to access funds upfront instead of waiting for customer payments. This ensures faster cash flow, reduced dependence on customer payments, and greater operational stability.
For instance, a manufacturer with a ₹10,00,000 invoice due in 90 days can receive ₹9,00,000 from the lender upfront and repay the amount upon customer payment.
Vendor Discounting
Vendor discounting helps businesses pay their suppliers early, often with the added benefit of securing discounts on future orders. This solution strengthens supplier relationships, reduces costs, and enhances supply chain efficiency.
For example, a business with a ₹2,00,000 vendor invoice can receive funding from the lender, allowing them to pay the vendor early. In return, the vendor offers a discount on the next order.
Channel Finance
Channel finance facilitates funding for distributors or dealers to purchase goods from manufacturers. This solution ensures that distributors can maintain adequate stock without the need for immediate full payments. It supports seamless supply chain operations, boosts market reach, and ensures stock availability.
For example, a distributor requiring ₹8,00,000 to purchase goods from a manufacturer can secure funding from the lender and repay the amount with interest over 90 days.
Regular Loan Products
Regular Loan Products
Personal Loans
Personal loans are unsecured loans provided to meet a range of personal needs such as medical expenses, travel, or home renovations. These loans enable borrowers to address emergencies or fulfill lifestyle expenses without requiring collateral.
Example: A borrower takes a loan of ₹2,00,000 to cover medical expenses for a family member and repays it over 12 months with interest.
Benefits: Quick disbursement, no collateral required, and flexible repayment terms.
Business Loans
Business loans are tailored to support small and medium enterprises (SMEs) for operational needs, expansion plans, or capital expenditures. These loans help businesses access the capital required for growth and innovation.
Example: A startup secures ₹5,00,000 to purchase new machinery and expand its production capacity.
Benefits: Boosts business growth, supports innovation, and ensures smooth cash flow management.
Debt Consolidation Loans
Debt consolidation loans allow borrowers to merge multiple high-interest debts into a single repayment plan. This helps borrowers streamline repayments, reduce overall interest costs, and improve financial management.
Example: A borrower consolidates three separate loans totaling ₹3,00,000 into one loan with a lower interest rate, reducing monthly payments.
Benefits: Simplifies repayment processes, lowers interest costs, and improves overall financial management.
Education Loans
Education loans provide financial assistance to students for covering educational expenses such as tuition, accommodation, and other costs associated with higher education. These loans are designed to support career advancement with affordable repayment terms.
Example: A student borrows ₹4,00,000 to fund a master’s program and begins repaying monthly after graduation.
Benefits: Affordable financing, flexible repayment terms post-graduation, and support for career development.