InvoiceX by Grip is the first ever diversified, RBI compliant, and credit-rated instrument available for individual investors which enables them to take exposure in loans backed by invoice discounting proceeds.
Each opportunity entails cash flows from a pool of loans backed by invoices raised on multiple well-reputed companies (known as Anchors), thus offering the benefit of diversification to the investors.
Partner Curation and Due Diligence
Corporate Profile of Originator
Assessment of originator’s track record, founders/promoters, management team (CXOs), any prior or ongoing litigation. Also undertake reference checks with key investors or shareholders, industry peers and competitors, and key customers
Invoice Quality
Underlying assets in these opportunities entail a pool of invoice receivables. Analysis of the pool to ensure that it complies with RBI regulations and has high credit quality
Assessment of Security Package
Ensuring that the security package (comprising cash collateral, etc.) is reasonably adequate based on the risk and reward of the opportunity. Each opportunity will be rated by a tier-1 credit rating agency that conducts a thorough credit evaluation.
How to Invest?
- This instrument gives investors the opportunity to invest in a diversified pool of short-term loans backed by approved invoices against multiple anchors in one go
- It is a fixed-income instrument issued in accordance with an established RBI framework
- Investors get access to fixed non-market-linked returns in the form of interest, with principal being returned closer to maturity. It presents an attractive risk-reward proposition to investors
- This short term investment is also rated by reputed credit rating agencies such as India Ratings
- Moreover, it is monitored by an independent SEBI registered trustee. To meet any delay or shortfall in payments this investment also has a security cover, adding further protection to your capital
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Frequently Asked Questions
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