Invoice Discounting & Factoring Adoption Survey
Map how CFOs, treasury heads, and receivables managers evaluate, compare, and choose between invoice discounting and factoring solutions, so you can sharpen acquisition targeting, fix pricing positioning, and improve conversion across credit segments.
CONTEXT & RELEVANCE
Why run this survey now
Most invoice discounting and factoring providers don't lose SME clients purely on discount rates. They lose them due to opaque eligibility criteria, slow invoice verification, platform trust gaps, misaligned facility limits, and poor debtor coverage, none of which fully show up in portfolio dashboards or disbursement MIS reports.
If you are...
- Bank vs fintech/NBFC factoring competition
- NBFC positioning speed and flexibility
- Trade finance product head
- SME credit or underwriting lead
- Channel and distribution growth head
You're likely facing...
- SME fit confusion: recourse vs non-recourse
- Drop-offs at debtor approval stage
- Banks = safe but slow perception
- Fintechs = fast but costly perception
- Renewal gaps and facility underutilisation
This will help answer...
- Adoption drivers beyond discount rate
- Drop-off stage in onboarding funnel
- Segment preference by facility type
- Fee sensitivity and tenure expectations
- Switching triggers and renewal barriers
RESEARCH THEMES
What This Survey Investigates
Eight interconnected research themes that map the complete receivables financing journey from first invoice to repeat facility renewal.
Discovery & Awareness
- First touchpoint, referral channel
- Awareness of factoring vs. discounting
Preference Drivers
- Recourse vs. non-recourse preference
- Domestic vs. export receivables priority
Product & Servicing
- Advance rate, tenor, facility limits
- Collections support, ledger management
Onboarding Friction
- Documentation burden, KYC timelines
- Debtor approval delays, drop-off points
Pricing & WTP
- Discount rate, processing fee sensitivity
- Willingness to pay for non-recourse cover
Usage & Stickiness
- Facility utilisation rate, invoice frequency
- Seasonal draw patterns, renewal intent
Trust & Credibility
- Provider reputation, RBI/NBFC compliance signals
- Relationship manager quality, dispute resolution
Competitive Positioning
- Provider shortlist, switching consideration
- Fintech vs. bank vs. NBFC trade-offs
SAMPLING STRATEGY
Tell us about your ideal sample
Help us understand your target respondent profile. Select what applies, we'll design the optimal sample plan based on your inputs.
METHODOLOGY
Survey approach
For the Invoice Discounting and Factoring Adoption Survey, we recommend a quant-first design with flexible data-collection modes to balance reach, depth, and verification.
EXECUTION PROCESS
How we execute
A proven 9-step process from scoping to delivery, designed to ensure quality, speed, and actionable insights.
Define the decision frame
Confirm objectives, target cohorts, geographies, and reporting cuts
Define the decision frame
Design the instrument
Build workstream modules mapped to outputs (drivers, friction, pricing, retention, trust)
Design the instrument
Lock the questionnaire
Review wording, sequencing, LOI, and competitive context; approve final version
Lock the questionnaire
Pilot and calibrate
Test comprehension and ease quality; refine quotas and remove friction where needed
Pilot and calibrate
Run fieldwork
Execute collection with active quota management and feasibility controls
Run fieldwork
Assure quality
Dedupe, attention checks, speed/consistency rules, removals with audit trail
Assure quality
Prepare the dataset
Clean data and deliver codebook/variable definitions
Prepare the dataset
Analyse and synthesise
Driver ranking, leakage diagnostics, pricing bands, segment insights
Analyse and synthesise
Deliver and align
Executive deck (optional dashboard) and leadership readout with recommendations
Deliver and align
COMMERCIAL TERMS
Request a Commercial Proposal
Pricing depends on cohort, geography, sample size, approach, LOI, and deliverables. Configure below for an indicative estimate.
Select Sample Size
Geography
Select Mode of Survey
Length of the Interview
$0.00
+ applicable taxes
Cost Breakdown
Note: Estimate is indicative only. Final pricing is subject to scope finalization after discovery call.
REFERENCE CASELETS
Reference
Real-world examples of survey work in the trade finance and receivables space.
Supply chain finance uptake & barrier mapping among Indian MSMEs
OBJECTIVE
WHAT WE DID
DELIVERED
Supply chain finance uptake & barrier mapping among Indian MSMEs
Receivables financing message territories for mid-market CFOs (India)
Supply chain finance uptake & barrier mapping among Indian MSMEs
OBJECTIVE
A digital-first NBFC needed to isolate why micro and small manufacturers in Tier 2 cities defaulted to informal credit over supply chain finance platforms , and which friction points in onboarding drove early drop-off.
WHAT WE DID
Ran a structured quant survey across 320 MSME owners in six Tier 2 cities, capturing platform awareness, onboarding step completion, documentation burden, approval turnaround expectations, and stated reasons for reverting to informal lenders after initial inquiry.
DELIVERED
A barrier-by-stage friction map across the onboarding funnel, a ranked drop-off trigger list by MSME size band, and a set of channel levers to convert first-inquiry MSMEs before the third touchpoint.
FREQUENTLY ASKED QUESTIONS
Common Questions
Answers to frequently asked questions about this survey mandate.
What decisions will this survey enable?
Who is the buyer vs who are the respondents?
Can we see differences between invoice discounting users, factoring users and non-adopters?
How will you measure facility selection beyond simple ratings?
Will the survey map the full receivables financing journey and drop-offs?
Can this survey inform product and pricing strategy?
How will findings improve our channel and origination strategy?
Still have questions?
Schedule a discovery call to discuss your specific needs and get a custom quote.