Where it can help
Can improve supplier liquidity and support procurement continuity; eligible programmes may offer collateral-free structures.
SOLUTIONS / Up to ₹50 Cr
Supply Chain Finance
Connect approved buyer–supplier transactions with funding structures such as vendor invoice discounting, dealer finance or payable finance. The anchor relationship, invoice acceptance and transaction quality determine the available structure.
WHO IT MAY SUIT
Corporate anchors, approved suppliers, dealers and distributors
When to consider this facility
Approved invoices lock up cash, or dealers need inventory ahead of predictable demand.
Use the facility for a defined, permitted business purpose with a documented source of repayment. Apply ahead of the cash requirement so that assessment, conditions and documentation can be completed.
What to weigh carefully
Buyer concentration, disputed invoices, anchor withdrawal and recourse terms can limit availability. Collateral-free treatment is programme-specific.
THE CLIENT’S PERSPECTIVE
Make the numbers work first.
Identify who borrows, who repays, when interest begins and who bears buyer default risk. Compare the finance cost with early-payment discounts and your contribution margin.
A practical preparation tip
Reconcile purchase orders, delivery evidence and accepted invoices. Never finance the same receivable twice.
ILLUSTRATIVE CLIENT SITUATION
How the requirement might arise
A packaging supplier has accepted invoices from a large buyer but needs cash for the next production batch. A programme review would confirm buyer participation, invoice acceptance and whether discounting is with or without seller recourse.
Hypothetical example for explanation. This is not an actual customer testimonial, completed transaction or assurance of funding.
Before you accept an offer
Ask for the lender’s identity, all-in rupee cost, annualised pricing where applicable, processing and other fees, security, guarantees, covenants, repayment schedule and default provisions. Confirm that the facility’s permitted use matches the proposed transaction.
Consider a lower-cost existing-bank enhancement or supplier terms where suitable. Defer borrowing if the purpose, underlying margin or repayment source cannot withstand a reasonable downside scenario.
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