Sell your unpaid B2B invoices and get up to 92% advance within 24 hours. No repayment – we collect from your customers.
Sell your unpaid invoices to Rishta Receivables – you receive cash immediately, we handle collection. No debt, no interest.
Get up to 92% advance within 24 hours. Payroll, inventory, growth – no more cash crunches.
Every successful collection boosts your Rishta Score → lower factoring fees in the future.
If your debtor defaults, the factor bears the loss – you keep the advance. Zero liability.
Your customers keep their payment terms – they just pay Rishta Receivables instead. Same relationship, easier for them.
Net 30/45/60 days unchanged
Your customers pay the factor directly – no extra paperwork. They maintain their credit rating.
No change in supply chain
Your clients get better cash flow → stronger partnership for you. Everyone wins.
Absolutely free for debtors
Debtors pay exactly the invoice amount – no factoring charges passed on.
From invoice to cash in your bank – fully digital, transparent, and fast.
Create invoice in our platform, select debtor (your customer). Our AI checks eligibility.
Factor purchases your invoice. You receive 85-92% advance within hours. No repayment.
We handle collection from your debtor. Once paid, transaction closed – you’re done.
"We needed cash for Ramadan stock. Rishta gave us advance on 3 invoices within 24h. No bank hassle."
"As a factor, their risk engine is spot-on. We’ve grown our portfolio 3x with zero defaults."
"Our debtors appreciate the clear communication. No awkward collection calls – factor handles professionally."
No. Once you sell your invoice to the factor, you have zero repayment obligation. The factor collects from your debtor.
In our non‑recourse model, the factor assumes the credit risk. You keep the advance. No buyback required.
Based on your business risk grade (A+ to C) and your debtor’s credit grade (A/B/C). Lower risk = lower fee (8% to 18%).
No monthly fees. You only pay the one‑time factoring fee when you sell an invoice.
Experience the full factoring process with our interactive simulator. No signup, no email – just click and test.