Vendor Finance | Dealer Finance | Invoice Discounting

End-to-end working capital solutions that strengthen your entire ecosystem.

Finance Doctors structures comprehensive supply chain finance programs that improve liquidity for manufacturers, vendors, and distributors—unlocking higher turnover without balance-sheet stress.

Vendor Finance
Financiers pay vendors early, improving supplier liquidity while buyers enjoy extended credit periods—creating a win-win ecosystem.

Dealer Finance
Limit-based funding for dealers to procure goods from manufacturers, accelerating sales velocity and expanding distribution networks.

Invoice Discounting
Instant liquidity against approved invoices, ideal for businesses facing extended receivable cycles from corporates or government entities.


General Documents

COMMON DOCUMENTS

(MANDATORY FOR ALL BORROWERS)

1️⃣ KYC – Applicants / Promoters / Directors / Partners

• PAN Card (self-attested)
• Aadhaar Card / Passport / Voter ID
• Mobile number & email linked with Aadhaar
• Latest Electricity Bill / Utility Bill (address proof)
• Passport-size photographs

2️⃣ Banking & Credit Documents

• Bank Statements – Last 12 months
  • Savings Account (Individuals / Salaried)
  • Current Account (Business Entities)
• CIBIL Report – Individual + Entity (latest)
• Net Worth Statement / Asset & Liability Statement(CA-certified)

3️⃣ Income Proof

• Salaried Applicants
  • Salary Slips – Last 3 months
  • Form 16 – Last 2 years
• Self-Employed / Business
  • Income Tax Returns with computation – Last 3 years
  • Audited Financial Statements – Last 3 years
• Rental Income
  • Rent Agreement
  • Rent receipts / bank credits
  • Electricity bill of rented property
• Other Income
  • Supporting documentary proof

4️⃣ Existing & Closed Loan Details

• Running Loans
  • Sanction Letters
  • Loan Statements (latest)
• Closed Loans
  • Closure Letter / NOC
  • Original Sanction Letter (if available)
• For Balance Transfer (BT) / Takeover
  • Sanction Letter
  • List of Documents (LOD)
  • Foreclosure / Pre-closure Letter

5️⃣ Collateral Security Documents (If Applicable)

• Complete Property Title Chain Documents
• Latest Electricity Bill
• Approved Building Plan / Map
• Property Tax Receipt
• Encumbrance / Mortgage Details
• List of Documents (LOD) if already mortgaged with any bank/NBFC

Product Specific Documents Required for MSME-

Business Identity & Registrations

• GST Registration Certificate
• UDYAM (MSME) Certificate
• Shop Act / Trade License
• FSSAI / ISO / Industry-specific licenses (if applicable)

Office & Operations

• Office Address Proof (Electricity Bill / Rent Agreement)
• Business Setup Photographs (office, factory, godown, machinery)

Financial Documents

• Audited Balance Sheet & P&L – Last 3 years
• GST Returns – Current FY till date
• Current Account Bank Statement – Last 12 months
• Net Worth Statement (CA-certified)

Product Specific Documents Required for Supply Chain -

• • Buyer–Seller Agreement / Purchase Orders / Work Orders
  • Current Account Bank Statement – Last 12 months
  • Audited Financials – Last 2–3 years
  • Debtors & Creditors Ledger – Last 24 months