Working capital

Quick apply

Just 60 seconds to apply

Please enter your first and last name
Enter 10-digit mobile number
Please enter your Birth date
Please enter valid PAN card number
Please enter your pin code
Enter personal email address

I consent to the T&C and authorize Bajaj Finance Limited, its representatives/business partners/affiliates to use my details for promotional communication/fulfilment of services availed.

Thank you

Supply Chain Finance

What is Supply Chain Finance (SCF)?

Unlike the traditional mode of external financing, supply chain finance is a modern, technology-induced process that integrates business with financing. It links different parties that will complete a transaction, namely the buyer, the seller and the financial institution.

SCF is a process that enables businesses to avail short-term credit to meet their small to medium funding requirements. SCF is mostly availed to optimize the flow of working capital for both buyers and sellers.

Bajaj Finserv brings supply chain finance in India to provide sufficient liquidity in the supply chain so that the movement of goods is not blocked due to fund shortage. Businesses can thus make the most of this funding to streamline their supply chain. Available against simple eligibility criteria and documents, these high-value loans make funding more convenient than ever.

SCFs utilise the existing business solutions that can optimise its working capital and use it to provide sufficient liquidity. It allows for faster access to money, thus ensuring the flow of business is not disrupted. The invoices generated by a business are discounted and loans are provided so that a business does not have to wait for bill clearance and can make payments in time

A supply chain loan thus ensures the manufacturing or production process is not disrupted. While it gives early access to funds for the sellers, buyers can enjoy a longer time before making payment. An SFC works most efficiently when the buyer holds a higher credit rating than the seller.

Now, take a look at the features and benefits that Bajaj Finserv brings with its supply chain finance.

  • Supply Chain Finance: Features and Benefits

  • mortgage loan

    High value loans

    Get financing up to Rs.45 lakh from Bajaj Finserv and address all your business’ supply chain needs- right from sourcing and procuring raw materials to managing your logistics.

  • Pre-approved offer

    With pre-approved offers by Bajaj Finserv, there are no queues, no forms and no details required. Avail financing easily and quickly as everything is already done for you. Discover your pre-approved offer here.

  • Collateral-free financing

    Bajaj Finserv offers collateral-free loan options so that you don’t have to pledge any personal or commercial assets, to finance your supply chain.

  • education loan online

    24-hour loan approvals

    Finance your supply chain with our Supply Chain Finance and get your application approved in 24 hours by providing just 2 documents.

  • Flexi loan facility

    Withdraw as much you need and as many times with our Flexi Loan Facility. Pay interest only on the amount used and lower your EMIs by up to 45%. You can also repay as per convenience to suit your business cash flow.

  • Online Account Access

    Bajaj Finserv gives you the option to access your supply chain Finance account online anytime, from anywhere.

  • How Supply Chain Finance Works?

    To know how supply chain finance works; you must first understand the parties involved. Irrespective of the type of financing involved in SCF, it always includes three parties, a buyer, a seller and a financing company. Lenders offer several SCF transactions, which can include the terms of accounts payable, financing inventory, discounting of payables, etc.

    The supply chain finance process thus works in two ways -
    - By connecting financial transactions as they move forward to complete the supply chain.
    - By encouraging or creating buyer-seller collaboration.

    The two methods used to complete these financing transactions are -
    - Discounting of bills, accounts payables, etc.
    - Factoring the purchase of inventory and other items that boost the flow of working capital also known as purchase financing.

    In the first method, i.e., discounting, the lender providing SCF discounts the invoices generated by the seller and provides funds immediately as a discounted amount. Simultaneously, the buyer receives an extended period for bill payment which the financial institution collects in full on maturity.

    In the second method, i.e. factoring or purchase financing, a buyer enjoys trade credit from a partner lender providing SCF. The lender also plays the role of an intermediary between the company and the supplier from whom it will purchase raw material. In this arrangement, the company places purchase order for inventory or any other item with the financial institution, which in turn, collaborates with a supplier to fulfill the order. The company pays the invoice thus raised at net credit terms.

    While this is how supply chain finance works, buyers and sellers can negotiate the SCF terms with their financial institution based on the leverage, i.e., urgency in requirement for funds that they have.

  • Eligibility criteria and Documents needed

    Avail a supply chain finance loan by fulfilling simple eligibility criteria and providing minimal documentation.

  • Supply Chain Finance: Interest Rate and Fees

    Bajaj Finserv offers Supply Chain Loans at low interest rates and nominal fees and charges.

  • How to Apply for Supply Chain Finance

    Apply for a Supply Chain Finance from Bajaj Finserv online in just 3 easy steps.

Supply Chain Finance FAQ

What is Supplier Financing and How it works?

Supplier financing is a great solution for businesses looking to maintain their working capital while paying their suppliers for raw materials and inventory. It comes with a high loan value, at an attractive rate of interest, that is repayable over a flexible tenure.

How to Avail supply chain finance in India?

It is easy to avail supply chain finance in India. Banks and NBFCs offer this financing solution to business owners digitally as well as offline. To avail supply chain finance in India from Bajaj Finserv, simply check your pre-approved offer and avail it. If you do not have a pre-approved offer, you can apply for a loan with minimal documentation, and get the funds you need within 24 hours.

The Advantages of Debt Financing for Your Business

The Advantages of Debt Financing for Your Business

Inventory Management Techniques to Save Money

Inventory Management Techniques to Save Money

The MSME Loan The Efficient Financing Solution for MSMEs

MSME Loan: The efficient financing solution for MSMEs

When is the Best Time to Get a Business Loan image

When is the Best Time to Get a Business Loan

Great Sources of Financing for Women Business

Great Sources of Financing for Business Women

People Also Considered

Flexi Business Loan

Flexi Loan Conversion

Convert your existing loan | Pay lower EMIs by up to 56%

Machinery Loan

Machinery Loan

Funds to upgrade machinery
Up to Rs. 20 lakh | Pay only interest as EMI

Working Capital Loan People Considered Image

Working Capital

Manage operational expenses
Up to Rs. 20 lakh | Flexible tenor options

Business Loan for Women People Considered Image

Business Loan for Women

Avail customized loans
Up to Rs. 20 lakh | Minimal documentation