OUR EXPERTISE / SALES-SIDE FUNDING
Turn receivables into
a clearer capital plan.
Sales-side funding explores eligible receivables and distribution activity. KJK supports domestic and export bill discounting, selected PSU receivables and dealer finance.
The funding conversation at a glance.
THE BUSINESS PURPOSE
Receivables, export collections and distribution-related cash cycles
PREPARE THE PICTURE
Buyer evidence, delivery, acceptance, ageing and payment terms
WHAT THE PROVIDER ASSESSES
Buyer risk, currency, existing charges and the settlement route
THE OPPORTUNITY
Look closely at the receivable, not only the invoice
Receivable quality depends on the sale, delivery, acceptance, payment terms and buyer. Establish the evidence and understand how disputes, delays or non-payment would be handled.
The aim is a well-prepared conversation: a clear purpose, realistic assumptions and an organised view of the information that matters.
WHEN THE CONVERSATION MATTERS
Different situations.
A relevant starting point.
Illustrative business requirements to help frame your enquiry.
01
Domestic receivables
Start with the buyer, evidence of delivery, acceptance and any disputes. An invoice alone does not establish eligibility.
02
Export collections
Consider buyer and country risk, currency, payment terms and the supporting transaction documentation.
03
Dealer and distribution cycles
Map when stock moves, when payment is expected and how responsibility is allocated if collections are delayed.
BEFORE YOU COMPARE OPTIONS
Look beyond
the headline amount.
A useful comparison starts with the whole arrangement. Ask for clear answers before deciding how to proceed.
01
Purpose & timing
Start with domestic bill discounting. Explain the stage, when capital is needed and what happens if the timetable changes.
02
Cost & commitments
Consider interest, funding-provider charges, KJK’s client-paid brokerage or commission, security, covenants and repayment conditions together.
03
Responsibility & next steps
KJK helps prepare and coordinate the discussion. The provider determines its terms and funding decision. Obtain appropriate independent professional advice.
PREPARE WITH CONFIDENCE
Make the first
conversation count.
You do not need to upload documents to begin. A clear business overview helps identify the information needed for the next stage.
01
Buyer profile and history
Explain the sale and the buyer rather than supplying an invoice total alone.
02
Invoice, acceptance and delivery status
Separate accepted balances, disputed amounts and overdue receivables.
03
Ageing and disputes
Identify the currency, collection process and country risk where relevant.
04
Existing assignments or financing
Explain existing assignments, security and the obligations if the buyer pays late.
FROM REQUIREMENT TO DISCUSSION
A structured way forward.
01
Understand
A focused conversation about the business, the purpose of capital and the decisions ahead.
02
Prepare
Organise the proposal, key information and assumptions that need to be examined.
03
Coordinate
Bring structure to lender discussions, documentation and follow-up.
04
Move forward
Review the proposed terms and next steps with informed expectations.
YOUR QUESTIONS
Clarity before
the next step.
Is every invoice eligible?
No. Buyer acceptability, documentation, tenor, dispute status and lender criteria matter.
Can export receivables be discussed?
Yes. Buyer, country, currency, documentation and payment terms affect the discussion.
Does discounting guarantee payment?
No. Recourse and credit-risk allocation depend on the contract.
Does KJK provide the funding itself?
KJK does not lend directly. We help prepare and coordinate a funding proposal with banks and other funding sources. Approval, pricing, documentation and disbursement remain with the relevant provider.
How are brokerage or commission terms explained?
Clients pay KJK brokerage or commission for facilitation. Ask for the fee basis, payment stage and conditions in writing before proceeding. A website enquiry does not establish credit eligibility.
KEEP EXPLORING
One requirement can
open more than one route.
01 / CORPORATE FUNDING
NPA funding & special situations
For Coimbatore businesses facing stressed facilities or an NPA-related funding requirement, KJK helps organise the facts and coordinate a…
02 / CORPORATE FUNDING
Machinery & equipment finance
Machinery finance for Coimbatore businesses starts with the productive investment behind the asset. KJK helps prepare proposals for new…
03 / CORPORATE FUNDING
Hospital project funding
Planning a hospital in Coimbatore, expanding a care facility or investing in medical equipment? KJK helps organise the project…
Prepared by KJK Financial Services. General information; financing is subject to assessment and lender approval.
The next chapter of your business
starts with a conversation.
Share your funding priorities. Let’s explore a way forward.