Suppliers Wait Too Long for Payment
Provide optional early liquidity against qualifying approved receivables.
Supply Chain Finance
Build a Supply Chain Finance Program Around Your Supplier Network
Financely structures institutional supply chain finance programs for corporations, trading groups and large buyers seeking to release working capital across procurement while improving supplier liquidity.
We design the financing architecture around approved payables, supplier receivables, purchase orders, pre-shipment requirements, distribution channels and eligible inventory. The mandate can coordinate one or several financing institutions and create a scalable program across suppliers, jurisdictions and operating subsidiaries.
Request an SCF Program Mandate 01
Anchor Buyer
Established corporate or trading group with material recurring procurement.
02
Supplier Network
Identifiable suppliers with recurring invoices, orders or production requirements.
03
Observable Trade Flow
Purchase orders, approved invoices, payment terms and settlement events can be verified.
04
Scalable Program
Built for recurring supplier financing rather than isolated invoice transactions.
Working Capital Across the Chain
Your Suppliers Should Not Have to Finance Your Payment Terms From Their Balance Sheets
A well-structured program can convert approved commercial flows into financeable assets. Suppliers receive earlier liquidity, buyers retain negotiated settlement terms and external capital finances the timing difference.
Supply Chain Liquidity
Working Capital Pressure Often Sits Outside the Buyer’s Balance Sheet
Large buyers can negotiate favorable payment terms while suppliers carry the resulting liquidity requirement. When the supplier base cannot finance production and receivables efficiently, procurement reliability can eventually become a financing problem for the anchor itself.
Large Orders Strain Supplier Liquidity
Add pre-shipment or purchase-order-linked financing where suppliers require capital before delivery.
Payment-Term Optimization Creates Friction
Structure an external financing mechanism around eligible approved payables.
Strategic Suppliers Become Financially Fragile
Improve access to working capital for suppliers critical to production continuity.
Every Supplier Uses Different Financing
Establish a centralized financing architecture around the anchor's procurement ecosystem.
One Bank Cannot Finance the Entire Program
Add participating banks, funds, insurers or risk-sharing institutions as volumes expand.
Program Architecture
Convert Procurement Events Into Financeable Working-Capital Assets
Supply chain finance is most effective when financing is tied to identifiable commercial events. The program can move from purchase-order finance before shipment to approved-payables finance after invoice approval and ultimately settlement by the anchor buyer.
01
Purchase Order
Identify confirmed demand and eligible pre-shipment financing requirements.
02
Production
Finance eligible sourcing, manufacturing or conversion costs before delivery.
03
Invoice
Supplier delivers and creates the underlying commercial receivable.
04
Approval
Approved payables become eligible for early-payment financing under program criteria.
05
Settlement
The anchor settles the approved obligation at contractual maturity.
Program Components
One Supply Chain Can Require Several Financing Techniques
Financely can combine buyer-led, supplier-led and transaction-specific structures depending on when liquidity is required and which party provides the strongest credit basis.
01
Payables Finance
Early supplier payment against approved invoices based on the relevant program and buyer credit structure.
02
Supplier Finance
Establish recurring liquidity channels for qualifying suppliers within the anchor's network.
03
Pre-Shipment Finance
Finance eligible production and procurement costs before goods are delivered.
04
Receivables Discounting
Monetize qualifying supplier receivables outside or alongside the core payables program.
05
Distributor Finance
Finance eligible distributors purchasing goods from the anchor or manufacturer.
06
Inventory Finance
Finance eligible goods held at defined points within the supply chain.
07
Dynamic Discounting
Evaluate buyer-funded early-payment economics for selected suppliers and payment periods.
08
Deep-Tier Finance
Extend eligible financing concepts beyond direct suppliers where transaction visibility and structure permit.
09
Risk Participation
Add funded or unfunded institutional participation to increase program capacity.
10
Multi-Bank Funding
Distribute program assets across several financing institutions as eligible volumes expand.
Anchor Companies
Built for Companies With Material Recurring Procurement
The strongest programs are typically built around an identifiable anchor with a substantial network of suppliers, recurring purchase activity and sufficient visibility into invoice approval and payment.
Large manufacturers
Commodity trading groups
Energy companies
Automotive groups
Aerospace and defense companies
Mining companies
Food and agricultural groups
Pharmaceutical companies
Retail and distribution groups
Technology manufacturers
Infrastructure operators
Multi-national procurement groups
Program Design
The Financing Program Has to Fit the Procurement System
Program design extends beyond sourcing a financing institution. Eligibility rules, invoice approval, payment undertakings, supplier onboarding, data exchange, funding mechanics, reconciliation and risk allocation have to operate consistently across the program.
Eligible Suppliers
Define jurisdictions, supplier categories, minimum volumes and program exclusions.
Eligible Payables
Establish invoice approval, maturity, currency and dispute criteria.
Credit Architecture
Determine whether financing relies primarily on buyer, supplier, transaction or mixed credit risk.
Supplier Onboarding
Build the operating process for KYC, documentation and program enrollment.
Data Integration
Coordinate invoice status, approvals, payment files and financing information.
Funding Capacity
Size financing against eligible annual spend, utilization, tenor and supplier adoption.
Risk Distribution
Add participating institutions where the program exceeds one funder's balance-sheet appetite.
Expansion
Add subsidiaries, suppliers, currencies and jurisdictions as the program matures.
Capital Procurement
Build Funding Capacity Around the Program Rather Than One Invoice
Financely can coordinate several categories of capital provider depending on the anchor's credit profile, supplier geographies, program assets and desired capacity.
Core payables, supplier and trade-finance program capacity.
Alternative capital for specialized or non-bank program structures.
Institutional capital targeting short-duration commercial assets.
Capital focused on eligible corporate payment obligations and receivable portfolios.
Risk mitigation and potential capacity enhancement for qualifying exposures.
Eligible export-linked guarantees or insurance where relevant to the supply chain.
Risk sharing or financing where supplier geographies and development mandates align.
Additional program capacity for large diversified procurement ecosystems.
Financely Process
From Procurement Data to a Live Supply Chain Finance Program
Financely structures the commercial and financing architecture, prepares the institutional case and coordinates suitable capital providers through program implementation.
01
Map
Analyze annual procurement, suppliers, payment terms, jurisdictions and working-capital objectives.
02
Design
Define eligible assets, program mechanics, supplier onboarding and financing structures.
03
Prepare
Build the data package, financial analysis and institutional program materials.
04
Procure
Coordinate banks, funds, insurers and risk-sharing institutions.
05
Implement
Support documentation, operating workflows, onboarding and program launch.
Commercial Terms
Supply Chain Finance Program Buildout Mandate
The initial mandate covers program diagnosis, financial architecture, institutional preparation and capital procurement. Larger multi-jurisdiction and multi-bank programs may require additional implementation and expansion workstreams.
Initial Mandate
$350,000
Plus applicable structuring, facility and closing economics documented in the engagement agreement.
Enterprise Supply Chain Finance Program
Built around the anchor's procurement volume, supplier network, approved payables, payment terms, geographies and required financing capacity.
Procurement analysis
Supplier segmentation
Program architecture
Eligibility framework
Funding strategy
Bank procurement
Risk-sharing strategy
Implementation support
Frequently Asked Questions
Supply Chain Finance Program Buildout
What is a supply chain finance program?
A supply chain finance program connects financing to
identifiable commercial transactions within a buyer's supply
chain. Depending on the structure, suppliers may obtain
liquidity against approved receivables, purchase orders or
other eligible trade assets.
What is payables finance?
Payables finance is generally a buyer-led structure in which
qualifying suppliers can elect to receive early payment
against eligible invoices that have been approved by the
buyer. The financing institution receives payment at the
contractual maturity date under the agreed program mechanics.
Is supply chain finance the same as reverse factoring?
Reverse factoring is commonly used to describe buyer-led
approved-payables finance. Supply chain finance is broader and
can also encompass receivables discounting, pre-shipment
finance, distributor finance, inventory-based techniques and
other transaction-linked working-capital structures.
Can the program finance suppliers before they deliver?
Potentially. Pre-shipment financing can be evaluated where
qualifying purchase orders, contracts or similar commercial
evidence support the supplier's production requirement.
Can the buyer extend payment terms?
Payment-term strategy can be considered as part of a broader
working-capital program, although supplier economics,
accounting treatment, documentation and financing availability
should be evaluated before implementation.
Can we use several banks?
Yes. Larger programs can potentially use multiple financing
institutions to diversify funding and increase overall
capacity, subject to program design and lender appetite.
Can private credit participate?
Potentially. Private credit and specialized trade-finance
capital may be relevant for certain assets, jurisdictions or
program structures where conventional bank capacity is
insufficient.
Can DFIs or risk-sharing institutions participate?
Potentially. Eligible programs may incorporate guarantees,
funded participation or other risk-sharing arrangements where
the supplier geography and institutional mandate align.
How much does the Financely mandate cost?
The initial supply chain finance program buildout mandate is
$350,000. Additional structuring, implementation, facility or
closing economics may apply depending on the final scope and
are documented in the engagement agreement.
Does Financely provide the financing?
Financely provides program structuring, advisory and capital
arrangement services. Financing is provided by third-party
banks, credit funds, trade-finance institutions and other
eligible capital providers.
Is program capacity guaranteed?
No. Program capacity remains subject to the credit quality of
the relevant parties, transaction data, lender underwriting,
legal documentation, compliance requirements and the final
approval of participating financing institutions.
Turn Your Procurement Volume Into an Institutional Financing Program
Send us annual procurement spend, supplier count, payment terms, major supplier jurisdictions, invoice volumes, currencies, current banking relationships and your working-capital objective. Financely can map the eligible flows and structure a scalable supply chain finance program around the procurement ecosystem.
Request a Supply Chain Finance MandateFinancely provides corporate finance advisory, transaction structuring and capital arrangement services on a best-efforts basis. Financely is not a bank, direct lender, factor, deposit-taking institution or payment institution and does not itself provide supply chain finance facilities. All financing remains subject to independent underwriting, KYC, AML, sanctions, credit approval, legal documentation, accounting considerations, eligibility criteria and the requirements of participating financing institutions. Program structure and treatment may vary by jurisdiction and transaction type. The $350,000 initial mandate relates to advisory, structuring, preparation and capital procurement services and does not guarantee financing capacity, supplier participation or program launch.