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Kalkulator Anjak Piutang

Simulasikan potongan biaya diskonto dan dana cair bersih yang diperoleh usaha Anda saat mencairkan piutang faktur lebih awal (factoring).

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Invoice liquidity

Price Your TReDS Bid

TReDS lets registered MSMEs auction accepted invoices from large buyers for near-immediate cash. Financiers quote a discount rate — enter their bid here to see exactly what lands in your account.

Invoice value ₹Financier discount rate % p.a.Days until buyer paysPlatform / transaction charges ₹ (optional)

Compare bids side-by-side: a lower headline rate over fewer days is not always cheaper — the effective annualised figure is what matters.

TReDS discounting projection

₹10,00,000 invoice · 90-day tenor

You receive today

₹9,72,877

Invoice value (receivable at maturity)₹10,00,000

Financier discount @ 11% for 90 days− ₹27,123

Net proceeds now₹9,72,877

Effective annualised cost of funds11.31%

Decision guide: compare the effective annualised figure against your overdraft rate and the cost of starving operations while waiting. For large creditworthy buyers, TReDS bids usually undercut emergency borrowing comfortably — and your buyer never knows you discounted.

Cara penggunaan

Masukkan nilai nominal tagihan faktur
Tentukan tarif diskonto tahunan dan jumlah hari pencairan lebih awal
Lihat nominal dana bersih yang langsung cair

Pertanyaan umum

Apa keuntungan anjak piutang (factoring)?

Menyediakan arus kas tunai cepat untuk modal kerja tanpa menunggu tempo pembayaran klien.

Bagaimana cara hitung diskontonya?

Dihitung proporsional berdasarkan tenor hari sebelum tanggal jatuh tempo.