RBI-regulated TReDS platform
ConstroMat offers bill discounting for buyer's invoice
ConstroMat is now a registered seller on M1Exchange — an RBI-regulated digital TReDS platform that facilitates paperless invoice discounting for MSMEs through multiple competing financiers, providing competitive rates and fast disbursement.
Registered Platform
M1Exchange
RBI-regulated digital TReDS platform for MSME receivables financing.
Paperless process
Invoice upload to disbursement — fully digital
Fast disbursement
Funds can reach the seller within 24 hours
Multiple financiers
Competitive bidding ensures the best rate
Regulated by Reserve Bank of India
About the offering
Working capital against accepted invoices
M1Exchange facilitates the financing of trade receivables for Micro, Small and Medium Enterprises through invoice discounting. The process connects the seller, buyer and financiers digitally, helping suppliers unlock working capital without relying on traditional loan routes. ConstroMat is registered as a seller on the platform, allowing buyers to accept invoices and enabling financing through multiple competing financiers for the best rates.
Invoice discounting workflow
How the bill discounting process works
End-to-end process from invoice upload to fund disbursement, showing the role of each participant.
Uploads invoice to M1Exchange platform
Accepts the invoice on the platform
Reviews and bids for the invoice
Reviews bids and accepts the best rate
Disburses funds to the seller
Receives funds — typically within 24 hours
Pays the financier on the invoice due date
Receives the outstanding invoice amount
Buyer onboarding
Documents required for buyers
Buyers can also register on the M1Exchange portal. Keep these documents ready for a smoother onboarding process.
- Copy of Company PAN Card
- Copy of latest Company Address Proof (Utility Bill, Bank Statement or Lease Agreement — not older than 2 months)
- Board Resolution (BR) on company letterhead in the prescribed format
- Beneficial Ownership Declaration on company letterhead (any shareholder with more than 10% ownership must be included)
- List of Directors on company letterhead
Note
All documents should be self-attested by an authorised signatory. Board Resolution and Beneficial Ownership Declaration must be on the company's official letterhead using the prescribed M1Exchange format.
For registration support, contact to ConstroMat or write to sales@constromat.com
Buyer advantages
Benefits of invoice discounting
Faster access to working capital
No collateral required
Competitive interest rates from multiple financiers
Improved cash flow for MSMEs
Reduced dependency on traditional loans
Quick definitions
Frequently asked questions
What is TReDS?+
TReDS (Trade Receivables Discounting System) is an RBI-regulated electronic platform in India that enables MSMEs to get quick working capital by discounting their trade invoices through multiple registered financiers.
What is bill discounting?+
Bill discounting is a short-term financing solution that allows businesses to convert unpaid invoices into immediate working capital. A supplier sells an invoice raised against a buyer to a financier (bank or NBFC) at a discounted value before the payment due date. The financier pays the supplier upfront and collects the invoice amount from the buyer on the due date. This improves cash flow, reduces working capital cycles, and supports uninterrupted business operations.
What is M1Exchange?+
M1Exchange is an RBI-regulated digital TReDS platform that connects sellers, buyers, and financiers to facilitate paperless invoice discounting for MSMEs. ConstroMat is a registered seller on the M1Exchange platform.
How long does it take to receive funds?+
Once the invoice is accepted by the buyer and a bid is accepted from a financier, funds can be disbursed to the seller typically within 24 hours.
Explore on ConstroMat
ConstroMat · Bill Discounting
Invoice discounting through M1Exchange for faster MSME receivables financing.