What is Invoice Discounting?

Invoice discounting allows your business to access immediate funds against unpaid customer invoices. Instead of waiting weeks or months for clients to settle, Lupiya provides upfront financing so you can manage operations, pay suppliers, and fuel growth without cash flow interruptions

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Benefits of Invoice Discounting

Fast Cash

Get quick access to working capital.

No Waiting

Don’t wait for long payment cycles.

Smooth Flow

Keep operations running without delays.

Flexible Terms

Short-term financing from 1–3 months

Low Fees

Transparent rates with a an low service fee

Business Continuity

Keep your company running smoothly while awaiting customer payments.

Eligibility Criteria

Invoice Discounting is available to businesses that meet the following:

A business that has been running for at least 1 year
Financial records from the last 6 months
A list of unpaid invoices with due dates
Details of how long it usually takes customers to pay
Signed delivery notes or buyer confirmations
Copies of invoices showing buyer name, amount, and due date
Your business registration certificate
Collateral (if required), worth at least half the loan amount

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Example: How It Works in Real Life

Your business is issued an invoice of K200,000 due in 60 days.
Instead of waiting 2 months, you apply with Lupiya.
Lupiya advances K160,000 today (80% of invoice value).
You keep operations running smoothly with affordable monthly repayments.

Result: You keep your operations running smoothly without cash flow stress.

How it works

1. Submit Docs

Share invoices and required documents.

2. Quick Review

Our team reviews your business and purchase order.

3. Get Approval

Decisions made within a few days.

4. Advance Paid

Funds released directly to your account.

5. Settle Later

Repay once your customer pays.

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Support

Got Questions? We can help

Everything you need to know about the Invoice Discounting. Can’t find the answer you’re looking for? Please chat to our team.

How quickly can I access funds?

Once approved, funds are usually available within 2–3 business days.

Do I need collateral?

Collateral may be required, typically with a value of at least 50% LTV.

What happens if my customer delays payment?

Repayment terms will be agreed upfront, and Lupiya supports you in managing delayed collections.

What’s the maximum loan amount?

Loan size depends on your outstanding invoices

How long is the repayment period?

Tenure is typically 1–3 months, aligned with invoice due dates

Invoice Discounting

Unlock Cash Flow for Your Business