The cashflow gap, financed.
Every supply chain has a structural mismatch: vendors pay upfront for raw materials, but receive payment 45–90 days after delivery. Dealers stock inventory but bill customers only on sale. Supply chain finance bridges that gap — using the credit-worthiness of the corporate anchor to underwrite the vendor or dealer.
We work with corporate anchors to set up vendor financing programs (paying vendors early) and dealer financing programs (extending channel credit) — at rates significantly sharper than standalone working capital loans.
Built for these participants.
Corporate anchors
Large companies wanting to extend payment terms to vendors or credit to dealers without straining own balance sheet.
Vendors & suppliers
SMEs supplying to large corporates needing early payment on confirmed invoices.
Dealers & channel partners
Distributors and dealers needing inventory financing or stocking limits from OEMs.
Programs we structure.
- Vendor financing: Early payment to vendors against confirmed corporate invoices, at sharper rates than standalone bill discounting
- Dealer / channel financing: Inventory financing for dealers and distributors against secured corporate undertakings
- Reverse factoring: Anchor-led arrangement where vendors draw against anchor's commitment
- Purchase order financing: Funding against confirmed purchase orders for SMEs with limited collateral
- Receivable discounting: Discounting of invoices and bills receivable for early cash realisation
Why anchor-backed financing.
- Interest rates 200–400 bps sharper than standalone working capital
- Limited paperwork for vendors/dealers — anchor agreement does heavy lifting
- Quick disbursement against accepted invoices (typically T+1 to T+3)
- Revolving facility — auto-renewed against fresh invoices
- No collateral typically required from vendor/dealer (anchor's credit underwrites)
- Digital onboarding via integrated portals and APIs
Frequently asked questions.
How does anchor-backed underwriting work?
Instead of underwriting the SME vendor or dealer alone, we underwrite the credit-worthiness of the corporate anchor and structure the facility against confirmed payables/receivables. This unlocks better rates and faster approvals for SMEs that wouldn't qualify on their own.
What's the typical interest rate?
Rates start from 12% per annum depending on anchor rating, ticket size, tenor and program structure. Vendor financing is typically sharpest; dealer financing slightly higher.
How quickly can a program be set up?
For new anchor programs: 4–6 weeks from MoU signing to first vendor disbursement. Once the program is live, onboarding individual vendors typically takes 5–7 working days.
What's the maximum facility size?
Anchor programs are typically structured from ₹5 Cr to ₹50 Cr. Individual vendor/dealer limits within a program depend on their transaction history with the anchor.
Are there minimum volume requirements?
For anchor onboarding, we typically look at programs with annual financing volume of ₹10 Cr or more. For smaller programs, contact our corporate desk to discuss alternative structures.