InvoicePe

InvoicePe does not appear to hold a lending license or underwrite directly. Its platform authenticates a borrower’s GST invoices via OTP-based access and broadcasts the verified receivables to multiple partner lenders, who then bid or offer terms. Credit risk sits with those lenders, not with the platform.

No non-bank financial company registration or lending license attributable to InvoicePe was found in its website disclosures. The firm’s described model — technology-enabled lead generation and invoice verification for third-party lenders — is consistent with a loan-service provider or digital-lending application operating under the Reserve Bank of India’s guidelines for digital lending, though exact regulatory status is not publicly confirmed.

The platform’s reliance on GST-authenticated invoices suggests its target clients are GST-registered small and medium enterprises. InvoicePe does not publish minimum or maximum invoice sizes, turnover thresholds, or sector restrictions on its website.

Fee mechanics are not disclosed on the public site. Marketplace lending platforms in India typically earn either an arrangement fee from the borrower or a commission from the lending partner. InvoicePe’s specific revenue model has not been detailed in available materials.

InvoicePe states that its app fetches all GST invoices after a one-time OTP verification. Exactly which fields it reads — invoice value, counterparty GSTIN, payment history, filing compliance — is not enumerated, but the process is designed to replace physical invoice submission and manual underwriting with a standardized digital record shared with lenders.