TDB InstaMoney is a comprehensive financial solution to all your working capital woes. It's a custom-made enabler that ensures you don't miss out on an export opportunity just because you are running short of cash. What's even better is it warrants tension-free exports by mitigating risks related to payment delays and defaults by overseas buyers. And there’s nothing complicated about it. TDB InstaMoney is a simple, yet complete, package of services designed to help you scale new heights in global trade. From investigating the creditworthiness of buyers to collection and management of accounts receivables, from taking on the credit risk to 100% protection against write-offs, InstaMoney takes care of all aspects of export financing.

Benefits InstaMoney Offers

  • Improves liquidity: InstaMoney allows you to free up cash that's trapped in your outstanding invoices. You can receive up to 80-90% of the invoice value up front and improve your business’ working capital position. Increased liquidity also reduces the business' operating cycle, resulting in higher production, sales and profit.
  • No collateral required: If you're worried about arranging for collateral, don't be. No collateral is needed to avail finance as funding is directly linked to the invoice value and the reputation of the foreign buyer.
  • Low interest rates: Since the discount/interest rate is linked to LIBOR (London Interbank Offered Rate), the cost of finance availed under InstaMoney is typically lower than the cost of funds attached with conventional financing options. Even if cashflow isn't an issue for you, InstaMoney can prove be a cost-effective method of reducing your overheads.
  • Flexible Open Account Terms: : In today's fast-moving world of international trade, buyers are not interested in a deal that puts the financial burden on their shoulders [as has been the case with traditional financing options like Letter of Credit (LC)]. Through InstaMoney, exporters can offer buyers more competitive D/P (Documents Against Payment), D/A (Documents Against Acceptance) and Open Account (O/A) payment terms. This can help them tap new buyers and increase their exports turnover.
  • Choice of currency: Provides option to avail funding in either EURO, USD, GBP or INR. The facility to choose currency paves way for smoother, and probably less expensive, transactions with foreign buyers.
  • Credit protection against buyer defaults: InstaMoney provides you the peace of mind you require to focus on expanding your business unlike most of the conventional financing options that come without credit protection against payment defaults.
  • Access to MIS reports: InstaMoney is an off-balance sheet mode of financing. Hence, it does not create a liability on the balance sheet or encumber assets. This means you can continue enjoying the “debt free” business status.
  • Boosts negotiation power: Thanks to availability of open account terms, InstaMoney places an exporter on a strong position to negotiate increased business volumes.

The Process

Exporter registers with TDB InstaMoney
TDB shares details with its Factor Partner
Factor Partner evaluates and verifies details
Factor buys invoices and releases payment

Shrug off all your financial worries and start exporting fearlessly with TDB INSTAMONEY.

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Industry Speak

HERE'S WHAT INDUSTRY EXPERTS TELL TDB MAGAZINE ABOUT FACTORING

recover

IS YOUR FOREIGN BUYER NOT PAYING UP?
Recovering exports receivables isn’t a straightforward exercise. But at TDB, money knows no borders. We recover what’s due to you. Simple.

EXIMAPS

The most powerful buyer and competition analysis tool
Tailor-made for Indian exporters, TDB’s proprietary Artificial Intelligence technology-based buyer and seller identification system helps you make big data-driven export business decisions in nano-seconds!

MY DASHBOARD

TRACK YOUR EXIM BUSINESS REAL-TIME
An all-in-one Dashboard that helps you easily monitor all your EXIM transactions from one place. RFQs, analytics, buyers, sales... manage everything on the go!

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