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Rules that guide business activity transformed dramatically with globalization. The supply chain lengthened as more prominent companies outsourced equipment, capital intensive plants and labour intensive activities to global partners down the supply chain. Companies are now managing a web of third parties to distribute their products efficiently from being manufacturers alone. Therefore, most of the capital deployed is no longer towards financing property or equipment but to finance working capital.

What is Supply Chain Finance

Supply chain finance (SCF) can be understood as a process that involves using a set of tech-based solutions that cuts financing cost, thereby improving business efficiency between buyers and sellers in a sales translation. The cost-cutting is achieved by automating transactions. SCF enables businesses to get short term credit, and it is usually used to optimise the flow of capital for both buyers and sellers.

The most important utility of SCF is providing sufficient liquidity in the supply chain so that the movement of goods is not blocked owing to the shortage of funds. The invoices generated by a business are discounted, and loans are advanced, enabling the businesses to operate without disruption, which could otherwise appear in the form of bill clearance and delayed payments. Besides, a supply chain loan ensures minimal disruption in the manufacturing process.


In essence, SCF provides efficient financing of the value chain. It helps both the buyers and the sellers improve cash flow and reduce the working capital by utilising the buyer’s credit rating. Besides, it helps get short-term credit that allows buyers to lengthen their payment terms and provides suppliers with an option to receive payments earlier.

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How Supply Chain Finance Works

SCF requires an external finance provider and an SCF platform. The finance provider settles supplier invoices ahead of the invoice maturity date at a lower financing cost than the supplier's funds. Other parties then share the benefit of the lower cost of funding.

Following the mechanism of supply chain finance.


  • After an order is given to the supplier, the supplier delivers and invoices the buyer.

  • Upon approval of the invoice, the buyer confirms that it will make the required payments to the financial institution as and when the invoice matures.

  • The supplier discounts the financial institution at a discount rate agreed upon earlier.

  • The buyer makes the payment as agreed with the financial institution.

The buyer can negotiate better payment terms and/or prices with the supplier due to this arrangement.

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Features and Benefits of Supply Chain Loan

  • High value loans: With Business Loan available on Bajaj Markets, you can procure financing up to Rs. 50 Lakhs which can help address your crucial business’ supply chain requirement right from sourcing and procuring raw materials to logistic management.

  • Collateral-free financing: One of the most important benefits of Bajaj Markets is that you get collateral-free loan options. It takes away the pressure on you to pledge your personal and commercial assets to finance your supply chain.

  • Quick loan approvals: Another benefit that considerably eases the process of availing of a supply chain loan is the 3 minute loan approval facility.

  • Flexi loan facility: Bajaj Flexi loan available on Bajaj Markets allows you to withdraw as many times as you require. You can pay interest only on the amount used and lower your EMIs by up to 45 per cent. Besides, you can also repay as per your convenience to suit your business cash flow.

  • Online Account Access: You can access your supply chain Finance account online anytime, from anywhere.


The interconnected business ecosystem requires more than what the traditional external mode of financing had to offer. With globalisation and lengthening supply chains, the methods for financing require changes. Supply chain finance allows you to harness the tech-based solution to bring more efficiency in capital flow between the buyer, the seller and the financial institution.


Supply chain loans, available on Bajaj Markets, can allow businesses to avail short-term loans to meet their immediate requirements at lower rates. It optimises the flow of capital for both buyers and sellers. You can, therefore, make most of the funding available on Bajaj Markets to streamline your supply chain, which is available at simple eligibility criteria and documents.

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Latest News Updates

Using CBDCs to Their Full Potential: A New Era for Global Trade and Supply Chain Financing

CBDCs, Central Bank Digital Currencies, have proposed the strategy of countless innovation meetings at the world’s central banks. Owing to the constant shifts towards digitisation, along with CBDCs, many other firms and organisations have been investigating the probable impact that digital currencies can have on supply chain finance. Standard Chartered and PwC China are of the firm opinion that CBDCs would play a crucial role in breaking down the hurdles in trade finance.


As CBDCs are more accessible to people as well as businesses that may not have access to banking services, anyone who has a smartphone can play a role in the global economy, no matter where they are or what their financial status is.

- June 19, 2023

Veefin Solutions Reports Quick Growth as it Disburses $12 Billion in Supply Chain Financing Annually

Veefin Solutions, a financing technology provider for supply chains, has more than doubled disbursements across its portfolio of products since January 2022, surpassing $12 Billion in global annualised fund disbursals in February 2023.


The company specialises in providing financing options that help firms optimise their capital and manage their cash flow.


With its significant yearly disbursement amount, Veefin Solutions has cemented its status as a trusted partner for organisations seeking efficient and dependable supply chain financing.

- June 12, 2023

Indian Bank Now Offers Supply Chain Finance

As a boost to the dealers and suppliers from the MSME segment, on May 11, 2023, Indian Bank announced the rolling out of the SCF facility.


SCF, which stands for Supply Chain Finance, was launched by the MD and CEO of Indian Bank Shri S L Jain. The scheme will offer short-term working capital to dealers/ vendors of corporates.


The digitization process would bring about more streamlined procedures as the platform would offer easier and quicker access to funds that too at favourable prices.


Indian Bank also announced the introduction of pre-approved personal loans of up to ₹5 Lakhs that can be processed with digital documentation and digital opening of savings bank accounts.

- May 11, 2023

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