Unlock Your Business Potential
with Invoice Factoring &
Cash on Delivery
Financing Solutions​

Experience Flexible & Customized Financial Solutions
for Business Growth

How it
works

Step 1

Initial Consultation

Reach out to ABHI and initiate a conversation about your invoicing needs. Share relevant information about your invoices and the amount you're seeking to discount/factor

Step 2

Assessment & Approval

ABHI's experienced teams will conduct a thorough evaluation of your financial stability based on the information provided. Upon approval, they will determine the maximum amount they can provide, typically up to 80% of the total invoice value.

Step 3

Transfer & Communication

Upon approval, ABHI will facilitate the transfer of funds to your corporate account and provide you with necessary transaction details. They will also communicate the agreed-upon payback date for your convenience.

A step-by-step process of the user’s journey
for your company getting onboard to get Invoice Factoring

How it
works

Begin the process by filling out the form on the BlueEx website and submitting your application for consideration.

Step 1

Financial Evaluation

Team ABHI conducts a thorough financial evaluation of your business to assess your eligibility for a Shariah-compliant loan.

Step 2

Agreement and Disbursement

Upon approval, you agree to sign BlueEx as your exclusive Cash on Delivery (COD) partner. ABHI disburses the cash into your account, allowing you to purchase necessary stock and expand your sales

Step 3

Sales & Payment Collection

BlueEx efficiently handles the delivery and collection of payments for every Cash on Delivery sale you make. These payments are then settled with ABHI on a periodic basis, such as weekly, bi-weekly, or monthly, with repayment amounts capped at a pre-decided limit.

Step 4

Repayment & Renewal

As sales progress, repayments are made to ABHI until the loan is fully paid off. Once the loan is settled, you have the option to apply again for further funding by repeating the application process.

A step-by-step process of the user’s journey
for your company getting onboard to get Cash on Delivery Financing

How it
works

Step 1

Reach out to the Vendor​

You reach out to the sales team on the respective platform and inform them about your interest in the financing from ABHI for your venture.

Step 2

Easy Eligibility Check

The sales team from the respective platform will give you all the details about Financing and assess your initial credit limit.

Step 3

Simple Documentation

You will be required to submit necessary KYC documents to finalize your credit limit.

Step 4

Streamlined Access

You upload invoices to our secure portal and access financing based on your credit limit.

Step 5

Repayment Made Easy

We recover the financing amount and service fee from your platform settlements.

A step-by-step process of the user’s journey
for your company getting onboard to run payroll on demand.

AbhiKaarobar
Features

Tailored Solutions

Our team of experts works closely with you to
understand your unique business needs and tailor
our financial solutions to meet your
specific requirements.

Tailored Solutions

Our team of experts works closely with you to
understand your unique business needs and tailor
our financial solutions to meet your
specific requirements.

Fast & Efficient

Our streamlined application process ensures
quick approval and disbursement of funds,
so you can access the capital you need
without delay.

Flexible Terms

We offer flexible repayment terms
and pricing, allowing you to choose
the financing option that best suits
your business's financial situation.

Use
Cases

When and where can this be used?

Case 1

Manufacturing Companies

An industrial machinery production company supplies its products to various clients. Despite providing quality products and services, the company often experiences delays in receiving payments from customers due to extended payment terms. These delays create cash flow challenges, impacting the company’s ability to meet operational expenses and procure raw materials.

Option 1:

The manufacturing company currently relies on its clients to manage cash flow, resulting in delays in payments from customers, which in turn lead to delays in paying suppliers, acquiring raw materials, and fulfilling orders on time.

Option 2 :

The manufacturing company can get invoice factoring services offered by ABHI. By factoring invoices, the company can access immediate cash flow based on outstanding invoices, without waiting for payment from customers. This enables the company to alleviate cash flow constraints and maintain operational efficiency.

Case 3

HORECAs Industry

A leading FMCG company, specialized in producing and distributing consumer products, faces cash flow challenges due to delayed payments from its network of distributors and retailers. Despite strong sales and market presence, the company struggles to maintain cash liquidity to meet operational expenses.

Option 1:

The FMCG company relies on traditional cash flow management practices, which results in inefficiencies in business operations. Delayed payments from distributors and retailers lead to delays in paying suppliers, restoring inventory, and fulfilling orders on time. This impacts production schedules and distribution networks.

Option 2 :

By factoring invoices with ABHI, the FMCG company can access immediate cash flow based on outstanding invoices, without waiting for payment from distributors and retailers. This provides the company with the financial flexibility to manage operational expenses and manage cash flow challenges effectively.

Case 2

Pharmaceutical Companies

A pharma company has regular dealings with manufacturers for procuring raw materials. The pharma company has to buy more raw materials for its product expansion but due to late invoice clearance from the manufacturer, the company’s business operations were impacted, creating business constraints.

Option 1:

The delay in receiving raw materials disrupts production schedules and leads to delays in sales. This ripple effect impacts the entire production cycle from manufacturing to sale. Consequently, the company faces challenges in meeting customer demand, maintaining market competitiveness, and achieving business growth targets.

Option 2 :

By factoring invoices through ABHI, the company can access immediate cash flow without waiting for the manufacturer’s clearance. This ensures smooth business operations and minimizing financial constraints, enabling the company to maintain market competitiveness and accelerate growth opportunities.

Use
Cases

When and where can this be used?

Case 1

E-commerce

A company purchased a monthly stock worth PKR 2 million, generating enough profit margins to sustain and expand the business. However, with inflation causing prices to nearly double, an additional PKR 2 million or more is required to maintain margins or fuel further growth.

Option 1:

The company continues with the the current financial strategy and faces the challenge of securing additional funds to cope with inflationary pressures. Without immediate access to capital, the company’s ability to sustain operations and seize growth opportunities may be hindered.

Option 2 :

By opting for ABHI COD Financing, the company can access the necessary cash to address inflation-induced price hikes and fuel business expansion. With ABHI providing the required capital and BlueEx handling deliveries and collections, the company can ensure uninterrupted operations and capitalize on growth prospects.

Use
Cases

When and where can this be used?

use case foodpanda

Case 1

Restaurants

A restaurant that has successfully expanded with multiple branches across different cities or areas is now facing cash flow challenges. Despite having a strong customer base and steady revenue, the delay in receiving payments from previous orders is creating financial strain.

Option 1:

The restaurant continues to rely on traditional payment cycles. This means waiting for the payments from previous orders to maintain daily operations. However, this delay can cause disruptions, such as delayed supplier payments, compromised quality of service, and potential customer dissatisfaction.

Option 2 :

The restaurant leverages Foodpanda Vendor Financing through ABHI. This initiative provides immediate access to working capital, enabling the restaurant to receive payments for its orders promptly. By utilizing Foodpanda’s Vendor Financing, the restaurant can overcome cash flow challenges, pay suppliers on time, and ensure seamless operations across all branches. This not only helps in maintaining service standards but also supports further growth and expansion.

Use
Cases

When and where can this be used?

Case 1

Vendor / Merchant

A seller on daraz with limited capital has to buy new inventory and expand business operations. The seller waits for the payments of its goods sold to expand its business operations. With Daraz Merchant Financing through ABHI, the seller can get access to working capital, which they can utilise to replenish stock, invest in marketing, expand product offerings and accelerate business growth. A seller on Daraz with limited capital has to buy new inventory and expand business operations. However, the seller faces challenges as he has to wait for the payments of goods sold to fund their expansion efforts.

Option 1:

The seller waits for payments from goods sold on Daraz to expand his business. However, this approach limits the seller’s ability to restock inventory, invest in marketing, expand product offerings, and accelerate business growth.

Option 2 :

The seller can leverage Daraz Merchant Financing through ABHI. This initiative provides the seller with access to working capital, allowing them to overcome cash flow constraints. With Daraz Merchant Financing, the seller can replenish stock, invest in marketing campaigns, diversify product offerings, and accelerate business growth.

Why it's important to financially
empower employees

conducted a study on Earned Wage Access
Find out how it can elevate employee happiness & productivity

0 %
of the employed population earns less than or equal to PKR 76,900*
0 %

employees face unexpected expenses that can’t be paid through their monthly salary*

0 %

of employers believe that employees’ morale and well-being at work is affected when they can’t access funds in an emergency*

0 %

71% of the working individuals feel positive about the companies who offer EWA as an added benefit.

Here
to Help

Some Frequently Asked
Questions

COD Financing is when we provide you with the necessary cash to purchase new stock and handle your deliveries and collections. ABHI disburses the cash into your account, enabling you to make necessary purchases and start selling, For every Cash on Delivery sale, BlueEx efficiently delivers and collects payments, which are then settled with ABHI on a weekly, bi-weekly, or monthly basis capped to a per-decided repayment amount.

Invoice factoring is a financial service of paying a company’s unpaid invoices to keep their operations running smoothly and avoid delays in payment. For example, if you owe money to a vendor and don’t have the cash to pay immediately, ABHI will pay for you and you will later pay back ABHI. To summarize, invoice factoring is basically a short term loan against your receivables.

Any business that supplies goods/services to large blue-chip companies can avail this service. Eligibility and amount of factoring is decided by the creditworthiness of the business and their past financial history. So the companies interested in this service have to be willing to share their financial information and other related documents.

There is no limit on finance against invoices as it actually depends on the value of the invoice raised. The limit to which ABHI will facilitate the invoice would be set against the financial information of the company. ABHI will provide up to 80% financing against the invoices submitted.

ABHI does short term financing against invoices, the tenure can range from 5 to a maximum of 60 days.

Invoice factoring enables seamless running of operations, as it allows you to avail credit up to a certain percentage of your unpaid invoice’s total value.

Yes! ABHI holds a Non Banking Financial Company (NBFC) License by the Securities & Exchange Commission of Pakistan (SECP) that allows us to lend money to companies.

Onboarding of BluEx as a last mile service provider is essential to be eligible for a loan; where they would be able to route the COD collection to ABHI.

After onboarding BlueEx, submission of financial documentation to ABHI (online through a digital platform i.e. KissFlow) in order to initiate the risk assessment.