Receivables Loan Interest Rate and Charges
A Receivables Loan from Rohini Financial Services offers you quick access to funds by leveraging your unpaid invoices — at competitive interest rates and minimal charges.
We ensure complete transparency so you know exactly what you’re paying for, with no hidden fees or surprise deductions.
Interest Rates on Receivables Loan
💰 Attractive Interest Rates Starting from 10.99% p.a.
Interest rates are tailored based on your business profile, client credibility, invoice value, and repayment tenure.
Typical Range:
- Interest Rate: 10.99% – 18% p.a.
- Processing Fee: 1% – 2% of the sanctioned amount
- Tenure: 30 to 180 days (depending on invoice cycle)
💡 The better your client payment record and business stability, the lower your interest rate.
Other Applicable Charges
| Charge Type | Description | Applicable Rate / Details |
|---|---|---|
| Processing Fee | One-time fee for application processing | 1% – 2% of loan amount |
| Stamp Duty | As per state laws | Actuals |
| Prepayment Charges | If loan is repaid before tenure ends | Up to 2% (may be waived in select cases) |
| Late Payment Fee | Charged on delayed EMIs or repayment | 2% per month on overdue amount |
| Bounce Charges | For each EMI cheque return or failed debit | ₹500 – ₹1,000 per instance |
Factors Affecting Interest Rate
📊 Business Vintage & Stability – Longer and stable business operations attract better rates.
💼 Client Payment Record – Reliable client base with timely payments reduces risk.
💰 Invoice Volume & Value – Higher and consistent receivables may qualify for lower rates.
📈 Credit Score & Financial Health – A higher credit score ensures better loan terms.
🧾 Tenure Chosen – Shorter repayment periods often attract lower interest.
Why Choose Rohini Financial Services
✔️ Transparent pricing — no hidden costs
✔️ Flexible repayment options
✔️ Fast approval & instant disbursal
✔️ Competitive rates customized for MSMEs and SMEs
Get Affordable Financing Today
At Rohini Financial Services, we make receivables financing simple, transparent, and cost-effective.
Check your eligibility, compare rates, and apply for your Receivables Loan today to keep your cash flow strong and your business growing.
📞 Call Now or 💻 Apply Online for a quick quote and instant approval!