You have delivered the work. The payment is still pending.
Finsphere gives businesses an advance against invoices that are already raised but not yet paid. We are starting with media invoices, then applying the same process to sectors like textiles, manufacturing, events, and logistics.
Raising ₹50 lakh to deploy into live receivable-backed deals.
An invoice discounting company for delayed business payments.
Finsphere helps businesses convert verified invoices into early working capital.
We are starting with media because we already understand the space and have early conversations there. Once the process works in media, we can use the same invoice-checking and collection process in sectors like textiles, manufacturing, events, and logistics.
Businesses can complete work and still wait months to get paid.
A producer may wait months for an OTT payment. A textile supplier may wait 90 days after delivering fabric. A manufacturer may wait after supplying components. In all three cases, the invoice exists, but operating expenses cannot wait.
Work completed
Service or goods are delivered.
Invoice raised
Payment obligation is documented.
Payment wait
Settlement comes weeks or months later.
Cash needed now
Payroll, vendors, and operations continue.
Invoice discounting means getting paid early for money that is already due to you.
If work is complete and the invoice is valid, Finsphere can release early funding and collect when the buyer or platform pays later.
The concept in simple examples
Media: A producer has a ₹1 Cr OTT invoice payable after 9 months.
Textile: A supplier delivers fabric and waits 90 days for buyer payment.
Manufacturing: A component supplier delivers goods and waits for invoice settlement.
In each case, work is complete and invoice is valid. Finsphere verifies documents and provides early funding.
For producers: Finsphere does not buy or control creative rights. It funds verified payment receivables.
Payment is due later under documented terms.
Invoice, contract, and buyer obligation are checked.
Typically ₹75L-₹85L now based on underwriting.
Finsphere recovers the advance and earns its agreed fee.
What it is
- Advance against a confirmed receivable.
- Based on verified invoice and contract.
- Repayment from documented receivable once the counterparty settles.
What it is not
- Random personal loan.
- Funding based only on trust.
- Repayment from uncertain income or informal money lending.
The payment is already expected. The problem is timing.
Finsphere verifies documents, gives early funding against the invoice, and collects when the buyer pays later.
We fund verified invoices before the buyer pays.
We verify documents, confirm the payment obligation, agree the collection route, and then release funding.
The business shares an invoice or payment due from a known buyer.
Contract, invoice and payment terms are validated.
Funding target within 5 days after approval.
Receivable clears through escrow or controlled flow.
(payment due later)
(cash now)
Not a private loan. An advance against a verified invoice.
Before Finsphere vs after Finsphere
Before Finsphere
After Finsphere
Clear payment delays
OTT, satellite, and media invoices often have long settlement cycles.
Known first network
The founding team has direct relationships and early conversations in media.
Repeatable workflow
The same invoice verification model can extend to textiles, manufacturing, and other sectors.
Media is the entry point, not the boundary. The operating playbook is designed to scale across delayed B2B payment cycles.
What makes a deal fundable, and what we reject.
Fundable receivable checklist
- Signed buyer contract or purchase order linked to invoice.
- Valid invoice or confirmed payment schedule.
- Credible counterparty and clear payment milestone.
- Legal right to assign or collect receivable.
- Business KYC and documentation verification complete.
- No unresolved dispute on delivery, quality, or ownership.
What we will not fund
- Unsigned promises or verbal payment assurances.
- Disputed delivery, quality, or ownership claims.
- Unverified invoices or unclear payment obligations.
- Projects without controlled collection visibility.
- Counterparties with weak payment credibility signals.
- Deals that fail documentation and legal checks.
We will prove the model in media first, then apply the same invoice-checking and collection process to other sectors.
Media receivables
Validate workflow using known network and visible payment delays.
Events and advertising
Expand to similar vendor-payment cycles and contract-backed invoices.
Manufacturing and textiles
Finance supplier invoices and buyer payment cycles.
Invoice discounting across sectors
Run a repeatable process for funding verified invoices.
Invoice Funding
Early funding against verified receivables.
Apply -> submit contract and invoice -> verify -> setup escrow -> release funds.
Sector Documentation Support
Invoice review and payment-term checks for sector-specific deals.
Review documents -> validate payment terms -> improve fundability.
capital release and controlled collection
↓
Underwrite and disburse
↓
Collect and learn
documentation and payment-term review
The first market is media. The larger opportunity is delayed B2B payments.
India media and entertainment industry scale.
Near-term media receivable opportunity linked to OTT and platform payment cycles.
Pilot financing target before expanding into other invoice-heavy sectors.
Media is the entry wedge. Expansion sectors include manufacturing, textiles, events, advertising, logistics, and broader B2B invoices.
Invoice-based economics with transparent pricing.
Illustrative invoice (example)
Invoice value: ₹1 Cr
Payment due: 90-180 days later
Early funding: ₹75L-₹85L based on underwriting.
Repayment source: buyer or platform settlement.
Finsphere revenue stack
- Discounting return from receivable financing spread
- Processing or documentation fee where applicable
- Repeat transaction value once early deals are repaid on time
Who pays Finsphere?
- The business requesting early funding pays the discounting cost.
- Processing or documentation fee applies where required.
- Buyer or platform settlement clears the receivable later.
Once the first deals are repaid on time, we can raise and deploy larger capital with better pricing.
Every deal must be verified before money moves.
We do not fund promises. We fund verified receivables.
Review signed documents, payable terms and invoice authenticity.
Validate payment obligation with the buyer or platform where applicable.
Structure payment flows to reduce diversion risk and preserve recovery visibility.
Clear assignment, repayment and default clauses before disbursement.
How we reduce downside risk if a deal slows down.
Only verified receivables enter underwriting.
Advance is lower than receivable value to maintain cushion.
Counterparty and payment terms are validated before funding.
Collections route through escrow or controlled account flow.
Legal assignment and default clauses are signed deal-by-deal.
Exposure limits grow only after successful repayment cycles.
Control logic
Finsphere does not rely on one safeguard. It stacks verification, legal control, collection routing, and measured exposure sizing.
This keeps early-stage capital protected while building repayment-backed confidence for larger pools.
We have conversations moving. We need capital to convert them into funded deals.
Confirmed pipeline
One project identified for initial execution.
Soft commitment
Two projects of ₹1 Cr each under active advancement.
Active discussions
Multiple projects with major production houses.
Faster than banks. More structured than private lenders. More focused than generic platforms.
Banks
- Property collateral
- Long approval cycles
- Limited fit for invoice-driven working capital gaps
Finsphere
- No property collateral in core model
- Funding decision targeted within 5 days
- Invoice verification and documentation support
- Starts with media, built for multi-sector expansion
Private lenders
- High cost of capital
- Low transparency
- No strategic structuring support
Finsphere becomes stronger with every completed cycle.
Underwriting data
Counterparty behavior, payment timelines, and documentation quality improve risk decisions.
Relationship network
Trust with businesses and buyers drives repeat receivable flow and lower sourcing friction.
Legal templates
Standardized assignment and escrow documentation improves execution speed with control.
Repayment history
Verified recovery outcomes create credibility with future capital partners.
Process layer
Documentation support improves deal quality beyond what informal financiers offer.
Workflow tech
Verification, tracking, and collection operations become repeatable at scale.
Media access, operations discipline and fintech technology experience.
Sanchari Bhattacharya
CEO
Assistant director and project coordinator (KIFF). Brings media execution context and creator relationships.
Sourjayan Chakraborty
COO
PowerBI developer, team lead and workflow manager. Brings operating process discipline.
Prasun Das
CTO
Software engineer with fintech and risk systems experience. Builds verification and platform workflows.
First prove repayment. Then scale capital deployment.
Year 1
3-5 deals, revenue ₹1 Cr, pilot execution.
Year 2
5-8 deals, revenue ₹5 Cr, repeat deals and trust.
Year 3
6-12 deals, revenue ₹10 Cr, scale and partnerships.
₹50 lakh
To convert live pipeline into executed deals, build repayment history, and prepare for larger deployment capital.
Capital is tied to measurable operating milestones.
Pilot success metric
3-5 deals completed with full documentation and controlled collection closure.
The objective is not rapid volume. The objective is repayment-backed proof that supports the next scale step.
Helping businesses use payments due later, today.
Starting with media as a beachhead and built to expand across sectors with delayed invoice payments.