Sanjeevani: Your Growth Catalyst for Working Capital!
Helping the Buyer-Supplier Ecosystem Flourish
For most SMEs, unfettered cash flow and easy access to working capital is a perennial challenge. Loans not only involve tedious processes but also high rates of interest often making it unviable.
We, at Sanjeevani Wealth, aim to transform the buyer-supplier payment ecosystem through digital facilitation and positively impact business margins for both.
Being a top invoice discounting fintech platform, it provides easy-to-use invoice discounting services to help businesses. We connect buyers and their suppliers to HNI Investors seamlessly and transparently, via Sanjeevani’s invoice discounting platform, which offers quick & smart solutions. This way the buyer-supplier ecosystem is given a new lease of life through the injection of fast working capital derived by unlocking dormant assets.
Making things simpler
Swift Fund Disbursal
Receive your dues within
2 working days* (T & C apply.)
Digital Platform
No hassles of going to banks anymore. Our completely seamless digital platform is easy to use and completely paperless.
Outstanding Service
Catering to customers in the most effective manner is our utmost responsibility.
How we help you?
Sanjeevani is a fintech platform specializing in invoice discounting services for SMEs. Through HNIs, we facilitate sales invoice discounting to help businesses manage their cash flow effectively.
For Investors – It provides a great platform to invest their idle funds for attractive returns.
For Suppliers – Our services unlock working capital stuck in sales invoices, providing much-needed liquidity to ensure smooth business operations.
Taking You To The Road To Smart Investment Fetching Better Returns
Advantage Sanjeevani Wealth
In the Indian market, manufacturers face some of the highest financing costs in the world. The difference between bank borrowing and secured lending rates is exceptionally high, at 6-8% per annum. This expensive borrowing makes Indian manufacturers less competitive and hinders their growth. Meanwhile, low returns on deposits and debt funds push investors towards unproductive assets like gold and real estate, or riskier assets like crypto. Investors need a stable and secure source of returns that can beat inflation. This is where Sanjeevani comes in.
It is an invoice discounting platform that connects small and medium-sized business borrowers with individual investors. Sanjeevani provides opportunities for investors to earn superior returns and offers a fast source of working capital for SMEs, helping them to grow at a lower cost and become more competitive on a global scale.
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Benefits to SME’s
- Unlock the value of Sales Invoices
- Easy Liquidity to support Working Capital Needs
- Amongst lowest financing costs in Industry
- Backed by a seamless, secure, transparent and robust fintech platform providing real time solutions
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Benefits to HNI Investors
- Attractive, stable and secured returns
- Short term Liquidity options up to 90 days and even lesser
- Protection against interest rate fluctuations
- The returns generated are treated as business income thereby helping to reduce taxes
- Powered by a hassle free and user friendly platform with proper MIS reports
How it works
Testimonials
What Our Clients Say About Us
It's been over a year since we started our relationship with Sanjeevani Wealth and it has been a great experience working with them. Starting from onboarding on the platform to managing the operational journey, the ease of processes and responsiveness to business needs are outstanding.
Sanjeevani has been a great partner and supported Zopper's requirements for working capital when we needed it the most. They have innovated constantly on the product offerings as well as brought in customization to suit our needs and that has helped too.
Running a business, especially for a start-up, is a constant juggling act where you always want to grow the top line with limited resources. Waiting for customers to pay invoices can create a real strain.
Before Sanjeevani, we were stuck waiting for standard net 60 to 120-day payment terms. This often left us short on cash for day-to-day operations and growth opportunities. We tried traditional bank loans, but the process was slow and cumbersome.
Then we discovered Sanjeevani. Their user-friendly platform made invoice discounting a breeze. Uploading invoices and receiving competitive funding offers takes just minutes. We love the transparency; we can see exactly what each offer entails before making a decision.
If you're a business owner struggling with slow-paying customers, we highly recommend Sanjeevani. It's a reliable and efficient way to unlock the hidden value in your outstanding invoices and keep your business moving forward.
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FAQ
Most frequent questions and answers
Waiting for customers to pay invoices can put a strain on small-to-medium sized suppliers’ cash flow. That’s where invoice discounting comes in.
The SME supplier can raise money against receivables (invoices) from an investor. On the invoice due date the SME has to repay the investor. Thus, the SME gets liquidity for the duration of the invoice.
Invoice discounting enables businesses to gain instant access to cash tied up in unpaid invoices and tap into the value of their sales ledger. This liquidity can be used to further boost business growth.
Yes, you can choose the invoices for discounting, as long as the customers on whom the invoices have been issued have a good Credit Rating. Our team can provide further details on the eligibility of invoices / customers.
A Technology Platform can provide seamless, paper-less invoice discounting process. Besides being hassle free and convenient, it also reduces the invoice discounting timeline.
