Stop waiting 90 days for your money

Turn unpaid invoices into instant working capital

KarobarCash connects retailers, wholesalers, and financial institutions in a single digital marketplace. Get funded in under 24 hours — without traditional bank delays.

Retailers
Unlock cash from invoices
Wholesalers
Sell more, get paid instantly
Lenders
Low-risk trade assets
Who we serve

Built for Pakistan's trade ecosystem

KarobarCash is a B2B invoice financing marketplace. We don't lend — we provide the technology, credit scoring (DukanScore™), and legal framework for secure trade finance.

For Retailers

Stop waiting for payments. Unlock working capital today.

You have unpaid invoices from your buyers. Upload them to KarobarCash, and get an advance of 80–100% of the invoice value within 24 hours. Use the cash to restock, expand, or pay suppliers — while your buyer pays later.

  • No collateral – your invoices are the asset.
  • Choose your funding partner – bank, wholesaler, or Shariah-compliant.
  • Build DukanScore™ – better repayment history = better rates.

📊 Simulate your financing

100k5M
Advance (85%):PKR 1,020,000
Your cash portion (paid later):PKR 180,000
Typical total repayable (3 months, incl. fee):PKR 1,045,500
Monthly instalment:PKR 348,500
Fee approx 2.5% on advance amount. Repay in 3–6 months.
For Wholesalers & Suppliers

Sell more by offering instant credit to your retail partners

You already trust your regular retailers. Use KarobarCash to formalize trade credit: finance their invoices, get paid upfront by the platform, and let retailers repay in instalments. More sales, faster cash, loyal customers.

  • Increase order value – retailers buy more with flexible terms.
  • Legal lien on goods – first-priority security interest.
  • No extra licensing required – trade credit to your own customers.

📈 Estimate your growth

500k10M
Additional monthly revenue:PKR 1,200,000
Additional annual revenue:PKR 14,400,000
Estimated extra gross profit (20% margin):PKR 2,880,000
Based on your selected lift. Actual results vary.
For Banks, NBFCs & Institutional Capital

Low customer acquisition cost. High-quality trade finance assets.

KarobarCash originates, scores, and services B2B invoices — giving you a digitally originated, short-term, secured asset class. Lower origination cost than traditional SME lending, with first-priority lien on physical goods.

  • Lower CAC – automated KYC, LFE scoring, digital onboarding.
  • Granular portfolio – invoices from PKR 100k to PKR 5M, diversified.
  • Legal & operational framework – lien registration, assignment of proceeds.

💰 Economics simulation

Origination cost (traditional):PKR 12,500
Origination cost (KarobarCash):PKR 3,900
Est. annualized yield (invoice portfolio):14–18%
Average default rate (secured, lien):< 3% (historical benchmark)
Lower CAC + secured assets = attractive risk-adjusted returns.

What is DukanScore™?

Our AI-driven credit scoring engine analyzes your business data (revenue history, trade references, utility bills) to generate a score from 300–900. A higher score means better financing terms and higher credit limits.

300 (Poor)650900 (Excellent)
650
Average score – standard rates apply
Improve score by repaying on time, maintaining revenue, and reducing liabilities.
Simple, transparent, digital

How KarobarCash works

1

Register & LFE

Business registration + upload key documents → DukanScore™ generated.

2

Upload invoice

Retailer uploads unpaid invoice; funding offers appear.

3

Accept best offer

Choose bank, wholesaler, or Shariah funding → get advance.

4

Repay & grow

Monthly instalments; on-time repayment builds credit.

Join the waitlist

Be among the first to access KarobarCash when we launch. No spam, just updates and early access.

We respect your privacy. No sharing of data.