Supply chain finance is an innovative funding solution designed to enhance the working capital of businesses by optimizing cash flows and improving profitability. This short-term, collateral-free working capital facility benefits both small and medium-sized buyers and suppliers. It facilitates a seamless financial transaction that optimizes the supply chain, ensuring that Both parties involved—suppliers and buyers gain maximum efficiency and enhanced profitability.
In a supply chain finance setup, three key parties are involved:
Supplier: The entity providing goods to the buyer.
Buyer: The entity purchasing goods from the supplier.
Financer: The entity offering financial solutions to the supplier and buyer.
Anchor: A corporate entity that facilitates supply chain finance for its vendors or dealers by arranging financing from a financer.
Supplier: Also known as a vendor, this is the business entity supplying goods to the buyer.
Buyer: The business entity purchasing goods from the supplier/vendor.
Dealer: A buyer who procures goods from the distributor or manufacturer.
Usance: The allowable period between the date of disbursement and its repayment, essentially the credit period provided by the financer (e.g., a 60-day usance period means the repayment is due on 60th day from the date of disbursement).
We provide a range of supply chain finance solutions tailored to meet the unique needs of your business:
Vendor Finance: Enhances cash flows for vendors by providing early payment solutions.
Dealer Finance: Facilitate smooth operations for dealers with efficient financing options.
Purchase Invoice Discounting: Offers immediate funds by discounting purchase invoices.
Sale Invoice Discounting: Provide quick access to funds by discounting sale invoices.
While document requirements can differ between entities, some of the most commonly requested documents include:
Last 3 years of audited financial statements.
Last 1 year of bank statements and GST returns.
Latest working capital loan sanction letters.
Our supply chain finance solutions are ideal for:
Avail cash discounts on early payments to suppliers.
Ensure payment discipline and reduce payment risk by making timely payments to MSMEs.
Allow extended credit periods without any worry.
Maintain supply chain stability and reliability.
Improve cash flows with upfront payments.
Access competitive pricing by leveraging the anchor’s credit.
Obtain collateral-free working capital loans.
Enhance operational efficiency and boost top-line growth.
At Ratnaafin, we provide the best supply chain finance solutions to businesses in India. Our unmatched financial solutions drive business success and help optimize financial operations for greater profitability. We pride ourselves on being among the best supply chain finance providers, committed to helping businesses navigate the complexities of supply chain finance in India.
Access Off Balance -Sheet Funding
Tailored finance for needs & seasons.
Save by paying early.
Optimize cash timing
No mortgage required
Access Off Balance -Sheet Funding
Tailored finance for needs & seasons.
Save by paying early.
Optimize cash timing
No mortgage required
Ratnaafin's supply chain finance solutions are unsecured, so you won’t need to mortgage any property as collateral security
We offer usance periods of up to 90 days, providing you with the flexibility to choose the period that best suits your business needs and suits your cash flows
Our personalized supply chain finance solutions designed to meet the unique financial requirements of your supply chain
We offer industry-best interest rates, starting at just 1.10% per month
We understand the inconvenience of extensive paperwork. At Ratnaafin, you can submit documents digitally or physically, ensuring a smooth and efficient process
Our dedicated customer support team is here to assist you throughout the loan application and repayment process
Supply chain finance optimizes cash flow by providing short-term credit solutions across the supply network. Ratnaafin Capital, a leading supply chain finance company in India, offers tailored solutions to meet your specific needs.
You can apply for Ratnaafin Supply Chain Finance by submitting your application online or by calling our toll-free number 1800 309 8010 for assistance.
Eligibility criteria may vary, but generally, your business should have a track record of good operations and should have established relationships with suppliers and buyers. Additionally, Supply chain Finance NBFC and Banks also assess the creditworthiness and financial stability as part of the eligibility criteria.
Documentation requirements typically include business financial statements, bank statements, information about your suppliers and buyers, and other financial documents that may be requested during the application process.
Interest rates in supply chain finance vary based on the business's risk and stability. At Ratnaafin Capital, we offer competitive rates starting from just 1.10% per month, making us one of the best supply chain finance providers.
The duration for paying back supply chain finance usually falls between 30 and 90 days. We provides flexible terms to suit the needs of businesses and the cash flow pattern of the specific industry.
Businesses of all sizes can take advantage of supply chain finance. Whether you're a supplier or a buyer, our services at Ratnaafin Capital can enhance liquidity and build up your supply chain.