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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.

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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.

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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.

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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.

DrapCode is an easy-to-use no-code platform with a drag-and-drop interface, making it accessible for non-developers. The support team is highly responsive and dedicated to user success.

Joseph Young

President - Renew Hope And Healing

We partnered with DrapCode to develop our new Automated CRM using their low-code platform. Outstanding quality at half the price, unmatched speed, and excellent customer service.

Cal Goggans

Founder - A Custom Fit iNMotion

DrapCode stands out as the best. Flexible, scalable, and supported by an expert team. After 3 years on another tool, DrapCode is simply superior.

Cory Nation

President - Embark EMR

Our benefits

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

Use 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

Platform Design
Workflow Logic
System Integration
Deployment

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Step - 1

Platform Design

Choose from DrapCode’s lending layouts or design a custom interface tailored to invoice financing.

Step - 2

Workflow Logic

Set up invoice intake, borrower evaluation, disbursal logic, and maturity tracking without any coding.

Step - 3

System Integration

Connect with ERP tools, bureau APIs, or e-invoice validation systems using DrapCode’s integration layer.

Step - 4

Deployment

Run test transactions, assign roles to admins and lenders, and go live with a secure, scalable solution.

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Future-Ready for Invoice-Based Lending

Whether you are building Invoice Factoring Software, expanding into Auto Financing, or adding B2B credit options like Merchant Cash Advance platforms, DrapCode lets you scale fast and remain API-ready.

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