Build Invoice Financing & Bill Discounting Platform
Create a custom lending platform to streamline invoice-based financing, automate credit checks, and manage early payment workflows—securely built with DrapCode.
Smart Credit Against Invoices
Businesses seeking faster liquidity rely on invoice financing and bill discounting. With DrapCode, you can build a secure and scalable platform that enables borrowers to upload invoices, apply for advances, and receive payments—all while lenders verify authenticity, assess credit, and release funds in real-time.
Designed for Factoring & Discounting
Whether you operate in invoice factoring, bill discounting, or embedded B2B finance, DrapCode empowers you to build a no-code lending app with repayment tracking, bureau integrations, and automated risk rules. It's ideal for NBFCs, fintechs, and banks offering invoice-based liquidity solutions.
Key Features of Invoice Financing & Bill Discounting Platform
Invoice Upload & OCR
Let users submit invoices with auto-data extraction to reduce manual errors and verification time.
Credit Assessment Logic
Define borrower risk models with customizable approval rules, vendor rating systems, and payment history.
Buyer Validation Workflows
Send invoice verification prompts to buyers for counter-signing or digital acknowledgement.
Advance Disbursal Engine
Automate percentage-based disbursals with repayment schedules linked to invoice due dates.
Receivable Tracker
Monitor invoice maturity, notify borrowers of pending payments, and flag overdue cases.
Document Vault & Logs
Store contracts, buyer acceptances, and all invoice documents in a secure, traceable repository.
We've been using DrapCode for the past year to host our fintechs web application, and what's been most impressive is the number of plugins and customizable options available right out of the box. As a tech founder, the flexibility of the platform to meet my specific needs is crucial and the team at DrapCode has delivered on that front and made the process seamless and user-friendly.
Aviv Baron
Founder - Direct Payment Group | USA
Drapcode is an amazing tool to build custom SAAS or internal web app without writing code. Porting over an ASP.net project to Drapcode was easier than I thought. With all the tools I needed in one platform, it allowed me to create a working version within a few weeks, almost 2 months ahead of schedule! But the best feature of all is customer support. Their insights, directions, and super videos on YouTube has made my development journey much easier
Jay Paul
President - Uptrend Motion | USA
Why Build with DrapCode
Rapid Lending Workflow Setup
Use pre-built lending modules and drag-and-drop tools to deploy your platform within days.
Customizable Risk Models
Design scoring logic, repayment plans, and default conditions based on your lending policy.
Third-Party Integration Ready
Easily connect to bank APIs, bureaus, e-invoicing portals, or ERP systems with no-code integration.
Compliance & Traceability
Maintain digital audit trails, user consent records, and secure document storage for lender compliance.
Real-World Use Cases
Vendor Credit Program
Integrate with Cisco Credit to extend invoice-based financing to partner vendors, automating approvals based on invoice size and buyer rating.
SME Invoice Risk Scoring
Leverage CIC Credit data to assess SME borrowers by evaluating historic invoice settlements, buyer credibility, and cash flow health.
Wholesale Lending Underwriting
Use KCB Credit APIs to automate underwriting for high-volume invoice portfolios and bulk discounting operations.
Build Process Overview
Customizable Loan Dashboards
Borrower Profile Management
Loan Application Tracking
Credit Score Integration
Platform Design
Choose from DrapCode’s lending layouts or design a custom interface tailored to invoice financing.
Workflow Logic
Set up invoice intake, borrower evaluation, disbursal logic, and maturity tracking without any coding.
System Integration
Connect with ERP tools, bureau APIs, or e-invoice validation systems using DrapCode’s integration layer.
Deployment
Run test transactions, assign roles to admins/lenders, and go live with a secure, scalable solution.
Future-Ready for Invoice-Based Lending
Whether you're building a platform for invoice factoring software, expanding into auto financing, or adding B2B credit options like a merchant cash advance platform, DrapCode lets you scale fast and remain API-ready.
Reduce Risk while Improving Liquidity
Early payment against invoices demands strict risk controls. With DrapCode, you can integrate buyer verification, credit bureaus, and rule-based lending in a fully auditable system, giving both lenders and borrowers complete visibility.
Frequently Asked Questions
What is an invoice financing platform?
Can I build this platform without developers?
Is buyer verification supported?
Can this integrate with credit bureaus?
Does it support bulk invoice uploads?
Launch Your Invoice Financing Platform Today
Build your bill discounting or invoice factoring solution with DrapCode’s no-code technology—scalable, secure, and ready for integration.