Supply Chain Finance
Ujjivan Small Finance Bank (SFB) offers a comprehensive Supply Chain Finance (SCF) suite designed to help MSMEs optimize cash flow, reduce operational costs, and streamline fund movement across the ecosystem. By bridging the gap between accounts payable and receivable, our SCF solutions allow buyers to maximize working capital while enabling suppliers to generate immediate operating cash flow.
Our SCF programs are Anchor-led (typically large Corporates or OEMs) and are categorized into three specialized financing solutions:
1. Dealer Financing
The dealer and distributor network is the backbone of the corporate supply chain. Dealer Financing provides a revolving working capital facility to dealers and distributors, allowing them to procure inventory seamlessly from the Anchor.
2. Vendor Finance
We provide liquidity to the upstream supply chain through Vendor Finance. This facility offers financing solutions to suppliers and vendors based on the goods delivered and the invoices raised against the Anchor.
3. Purchase Invoice Financing (New)
Purchase Invoice Financing is designed for businesses looking to fund specific procurement needs. This facility allows buyers to finance the purchase of raw materials or finished goods directly from their suppliers.
| Dealer Financing Structures | Vendor Bills Discounting Solutions | Purchase Invoice Financing |
|---|---|---|
| Loan amount range: ₹ 2 – 500 Lakhs | Loan amount range: ₹ 5 – 500 Lakhs | Loan amount range: ₹ 500- 5000 Lakhs |
| Tenure range (in months): 12 months | Tenure range (in months): 12 months | Tenure range (in months): 12 months |
| Rate of Interest (ROI): 10-13% p.a. | Rate of Interest (ROI): 10-13% p.a. | Rate of Interest (ROI): 9.50-12.50% p.a. |
