Supply Chain Finance

Supply Chain Finance (SCF) products in India primarily include invoice discounting, reverse factoring, and platform-based financing.

Supply chain finance reduces DPO/DSO by enabling buyers to offer early supplier payments via approved invoice discounting through financiers, fostering stronger partnerships. Sriya Enterprise structures flexible, digital-enabled programs that automate verification, disbursements, and compliance, ideal for multi-tier networks in volatile markets. This boosts liquidity, cuts supply disruptions, and supports scalable growth across domestic and international chains.

By implementing SCF, companies can mitigate supply chain risks commonly associated with delayed payments—such as production stoppages, stockouts, and weakened supplier viability. Enhanced liquidity allows suppliers to invest in operational efficiency and growth without financial stress, while buyers benefit from uninterrupted supply, lowered procurement costs, and improved vendor loyalty. This ecosystem approach positively influences the entire supply chain’s performance, encouraging scalability and competitive advantage in both domestic and international trade environments.

Benefits for MSMEs (Suppliers)

MSMEs receive early payments of 80-90% of their invoice value within days through invoice discounting, significantly reducing their Days Sales Outstanding (DSO) and addressing liquidity challenges in volatile markets. Over 60% of new Supply Chain Finance adopters are SMEs, leveraging the strong credit ratings of corporate buyers to secure these funds. This mechanism helps prevent supply disruptions such as stockouts while enhancing MSMEs’ operational efficiency, enabling investment in growth, and improving financial resilience—all without the need for collateral. The strength lies in the buyers they connect with

Benefits for Corporations (Buyers/Anchors)

Corporations extend DPO to 60-120 days while offering suppliers early payments, optimizing working capital, and strengthening partnerships in multi-tier networks. Leverage is their strong credit ratings for program eenrollmentt This lowers procurement costs, ensures uninterrupted supply, and enhances vendor loyalty, driving scalability amid high interest rates.

Eligibility for Buyers (Anchor/Corporations)

Buyers need a strong credit rating (higher than suppliers), established supplier relationships, and agreements with banks/financiers for program enrollment. They must be Indian entities with proven financial stability to enable discounting based on their creditworthiness.

Overall, SCF is not only a financial solution but a strategic enabler of supply chain collaboration and business continuity. By bridging financial gaps and aligning interests among all stakeholders, Sriya Enterprise’s SCF programs empower organizations to navigate uncertainties effectively, unlock working capital trapped in payables and receivables, and sustain long-term growth in dynamic markets. This financial innovation reflects the growing importance of digitization and fintech integration in modern trade finance practices.