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Supply Chain Finance & Structured Trade Solutions

Supply Chain Finance including Structured Trade Finance reduces the risk of supply chain disruptions and enables both the buyers and sellers optimise their working capital needs. These working capital requirements are met through either monetisation of receivables under the domestic and cross-border (exports from and/or imports into India) factoring and dealer financing structures or supporting the vendor needs through Reverse Factoring, Payables Financing or Vendor Bill Discounting solutions. These non-debt financing modes enhance efficiency of the Corporate's supply chain ecosystem

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Receivables Solutions

Off Balance sheet solutions offered to Corporates by monetizing their receivables due from Buyers / Dealers.

Payable Solutions

Solutions addressing traditional vendor financing gaps by offering competitive Working Capital Finance to the suppliers under a buyer initiated programme. Contributes to building an efficient & well-funded supply chain ecosystem for the Corporate (buyer).

Receivable Solutions
Payable Solutions

Reverse Factoring

The Bank signs an agreement with the buyer and provides upfront discounting of the accepted invoices to the suppliers. On the due date, the buyer makes payment to the Bank directly.

Benefits offered to Corporate:

Early payment and liquidity for suppliers
Competitive rates for all suppliers, based on the credit profile of the buyer
Simple documentation and end-to-end digital solution.
No change in buyer's accounting treatment of trade payables*

*Subject to buyer’s internal policies/auditor’s interpretation.

Payable Financing

The Bank signs an agreement with the buyer and provides upfront discounting of the accepted invoices to the suppliers. On the due date, the buyer makes payment to the Bank directly.

Benefits offered to Corporate:

Early payment and liquidity for suppliers
Competitive rates for all suppliers, based on the credit profile of the buyer
Simple documentation and end-to-end digital solution.
No change in buyer's accounting treatment of trade payables*

*Subject to buyer’s internal policies/auditor’s interpretation.

Vendor Bill discounting

A unique unsecured facility offered for vendors basis accepted bills/invoices by the Corporate. The buyer and vendor enters into an agreement with the Bank. Limit is assigned to the vendor basis Corporate recommendation and requisite due diligence on the vendor. Bills accepted by the Corporate for the vendor are discounted by the Bank and repaid by the Corporate on respective due dates.

Benefits of the product:

Credit Facility basis Corporate tie-up
Unsecured Facility backed by accepted bills or invoices by the Corporate
Instant Sanction and Limit Setup on digital platforms.

Factoring (Domestic & Cross Border)

Factoring (domestic or cross-border) is an ideal alternate financing solution to traditional Working Capital Loans, besides being an optimal buyer credit risk mitigation tool for the seller.

The Corporate (supplier) assigns its receivables due from the buyer/importer to the Bank under a Factoring Agreement. The Bank discounts these receivables by making an upfront payment to the supplier. The buyer makes the payment to the Bank on the due date.

Benefits of the product:

Financing up to 100% of eligible invoices
Minimal Documentation
Extensive Corporate Coverage
End-to-End Digital In-house Architecture

Dealer Financing

Dealer/Distributor network is an essential element of the Corporate supply chain ecosystem. Dealer financing provides an instant working capital facility to Dealers/ Distributors for buying goods from the Corporate.

The Corporate enters into a Dealer Finance Arrangement with the Bank and recommends its dealers to enrol digitally or manually. Limit is given to Dealers basis business volume with the Corporate and credit assessment.