Blogs

Top Supply Chain Trends in 2023

The Chinese calendar calls 2023 the year of the rabbit, while the zodiac has little to do with supply chains, businesses can expect to hop into more robust digitization for smarter trading

Kiranas are Choosing Fintech Solutions to Remain Evergreen

Everyone has a childhood story of their favourite kirana store. One friend remembers taking her grandmother’s buy chips store outside her society

Vayana and South Indian Bank Win ‘Best Project Implementation’ from IBS Intelligence

Talking about MSME credit, the story often covers MSMEs finding it hard to access banks. Here is where the joint effort of South Indian Bank and Vayana in using innovative financing models and digital solutions helped bridge the gap

Vayana has a new home!

India’s largest network for trade finance is at the heart of India’s financial centre. Vayana’s newest Mumbai address is the Adani Inspire, at BKC. Doors opened on the 18 th of November, flurrying in an energy of celebration and gratitude.

How eco-conscious consumers are transforming F&B
supply chains

Consumer food preferences have changed dramatically in the last decade. Words like gluten-free, vegan, lactose-free, mock meat, plant-based food have moved from being seen on just product on packaging to finding a seat at meal tables

Building the faith to lend

Argentina’s economic crisis reveals a lot about the psychology behind lending. When inflation devalued the notes, citizens resorted to IOUs. Many got theirs signed with the priest as witness, this assured the lender higher chances of repayment.

For MSMEs to Access Credit, Availability is only the First Step

Credit readiness is when the borrower’s credit worthiness is ‘visible’. It requires proof of business health, positive display on future growth, record of strong business relations and evidence of consistent cashflows. It is what encourages financial institutions to confidently lend and thus, allows MSMEs to consume credit

Beyond KPIs: How a CFO can Judge ROI on Marketing

Conducting a cost & benefit analysis on marketing can be greatly frustrating. As when return and spend cannot be neatly displayed for judgement, it disrupts a CFO’s entire way of functioning. Discomfort further rises when the question of, “Will investment will lead to more sales?”, is answered by a sincere, “It depends”

IDBI Partners Vayana Network on Supply Chain Finance

Vayana Network recently entered a partnership with IDBI Bank to provide its full-stack end to end Supply Chain Finance solution. This allows the bank to rapidly scale its Supply Chain Finance portfolio

Financing the Agricultural Sector requires more than what meets the Eye

Financing in the agricultural sector is like travelling back in time. Many farmers and traders have little capital and incomplete financial records. The lack of credit readiness has resulted in Rs. 38.4 Lakh Cr. of credit going unfinanced. This has encouraged Fintechs to create more accessible financing through three new mechanisms: GST informed financing, digital lending platforms, and supporting financial services.

Supply Chain Finance: Brownie Points for Businesses during the Festive Season

WhatsApp forwards and corporate hampers are here to remind us that festival season is upon us. With the season bringing a boom in demand, it gives every business a chance to grow their toplines. However, rising to the opportunity is a challenge for many

Key Take-Aways from Fintech Events 2022

Unity in diversity is seen in every aspect of our country. From celebrating vivid festivals to holding varied beliefs and value systems, which bring people together. Such is the case too when it comes to the dynamic business landscape of India. We have a diverse mix of 7.9 million MSMEs, 1.48 million registered companies and 500+ large companies by market cap, all united for growth and resilient to remain buoyant in the times to come.

Predicting Cashflows, More than Looking into a Crystal Ball

Forecasting today is basic Econometrics – this much is known. Yet, the human exists in this process – tinkering with variables and doubting results. As although cash flow forecasting is highly methodological, its predictive nature leaves great room for subjectivity. And it is these spaces that become filled by the maker’s own judgment and flair

Pay Early, Earn more

Pay Late, Collect Early” is a business mantra that most businesses have been taught to follow. But this strategy can also come at a cost. Delayed payments to vendors could mean delayed supplies because many smaller vendors would need the cash to keep their machines going.

Vayana TradeXchange (VTX)–A Breakthrough in Cross-Border Trade Finance

The International Financial Services Centres Authority (IFSCA), established at GIFT City, Gujarat, has floated guidelines to set up International Trade Finance Service (ITFS) platforms. These platforms will facilitate trade finance between exporters and importers, through financiers from across the globe, in a currency of their choice and at the lowest possible rates discovered through a transparent, online auction mechanism

Help your partners get GBS

A chain is as strong as its weakest link and strong supply chain partners are critical to an organization’s success. Find out how Vayana Good Business Score (GBS) can help you assess your supply chain partners.

Play 'The Trade Finance Ladder' Game

Running a business is just like playing a game of snakes and ladders. One wrong move could put you back by years or simply lead to a shutdown. Play ‘The Trade Finance Ladder’ – A fun game to understand how to overcome working capital hurdles

Last Mile Finance – A win-win for all

Take a walk through the nearby market in your locality, and you will spot several Kirana Stores and Grocery shops. But in spite of store owners’ hard work, these stores look the same over the years. Ever wondered why?

Vayana Network and Federal Bank bag the ‘Most Effective Bank-Fintech Partnership’

Vayana Network, India’s largest trade finance platform, and Federal Bank, a leading Private Sector Bank, have been awarded the ‘Most Effective Bank-Fintech Partnership: Agile and Adaptable’ at the IBSi-Global Fintech Innovation Awards 2021. Vayana rapidly scaled up the bank’s Supply Chain Finance portfolio

The CFO is an ally, not an adversary

Many functional heads view the CFO as a daunting figure, since it is the CFO’s task as the financial conscience-keeper of the company, to ask the tough questions on revenues and costs. However, Finance Heads can gain a larger understanding of how other functions work.

Put your receivables on auto-pilot

Why are most channel financing programs ineffective? Find out how simple integration can dramatically increase finance coverage and utilization across distribution channels

Vayana raises Rs.283 Crore in Series C funding round

Vayana Network, India’s largest trade finance platform has raised Rs. 283Cr in a Series C funding round. The participation was led by some existing and new investors, including Marshall Wace, March Capital, CDC group, Chiratae Ventures and Jungle Ventures and some of the family offices from India and abroad. The fund raise is a testimonial to our growing presence in B2B Trade, and a path for fulfilling our strategic missions. Over

Is your supply chain future-proof?

Are your supply chain partners capable of helping you achieve your ambitious growth plans? How do you assess their current and future capabilities? How often do you measure their strengths? Take this Quiz to find out

It pays to pay on time

Delaying payments comes with hidden costs, but timely payments could earn the company more. “Pay Late, Collect Early” is an age-old mantra that most businesses follow. However, there are several hidden costs in doing so, especially for the companies with large supply chains. Delayed payments result in delayed inward supplies, which in turn lead to missed sales, and sometimes vendors buffer for these delays through higher pricing. This

Vayana disburses $8bn in trade finance

Vayana is India’s largest trade finance platform. We have disbursed over $8bn across 950+ Corporates, 25+ sectors, 20,000 MSMEs, across 20+ countries Vayana started with a vision of democratizing access to finance to each member of the supply chain. It took us a year to disburse $1bn and now we doing more than a billion every two months! Moreover, we work across several multiple sectors and tiers of supply chain. All this is

Trade Finance: A growth maximiser

The role of trade finance is often seen as one of ensuring predictable cashflows. While this is obvious and important, there are a number of collateral benefits of trade finance programs that act as powerful drivers of growth. In fact, trade finance is a powerful lever that CFOs can use to impact both toplines and bottom lines of their companies. Chasing growth, not cash Ensuring that your Receivables ecosystem is well financed removes

Technology and the CFO

Technology and the CFO – a short take While it may not always have been apparent, technology has always had a role to play in the finance function, money could be ‘wired’ as early as the 19 th century; COBOL has been around for over 60 years, digital stock exchanges appeared over 50 years ago, companies and banks have used mainframes for decades. However, what has changed in the past decade or so, has been the

Vayana: Lending Hands to Exporters

We call ourselves as the perfect ‘partners’ for exporters like you. We walk beside you in your export journey, helping you in your every step towards excellence. Delivering Export Financing Solutions right at your doorstep Overview One of the major challenges that exporters often come across is long payment terms that in turn can affect the working capital. Exporters find it challenging to manage the up-front cost of manufacturing, shipping, and delivering

Everything You Need to Know About Receivable Financing

Our Receivable Financing Solution Ample cash flow is a necessity for most businesses. It allows you to pay your expenses regularly and on a timely basis. Whereas if a cash crunch hits you, it can not only dwindle the trust of the stakeholders, it will also make procuring necessities for your business difficult. If a cash shortage hits you due to your accounts receivable, you can consider hiring a partner to collect invoices on your

GST APIs – They can transform how you have been doing business!

GST is not just another type of tax collection. Yes, you read it right. GST is way more than what you’ve thought. It isn’t merely a type of indirect tax collection. Instead, GST is the most advanced, progressive tax reform ever implemented in India. GST can change how you interact with your vendors and customers, transform the mechanism of vendor assessment before onboarding them, and revamp the entire landscape to put

Three Years that Changed How India does Trade

Since the beginning of the GST regime in 2017, there has been a dramatic shift in how India Inc. does business. Specifically, the small and medium enterprises (SMEs) have gained a lot from GST. To put simply, as opposed to 17 levies such as excise, VAT, service tax, and various other cesses, SMEs now have to comply with a single tax. The relief from GST does not restrict to passing the bill in 2017. Since

My buyer is offering me vendor financing. Should I take it?

Several large organizations today offer vendor financing to facilitate access to early payments for their suppliers. However, before taking it up, you must consider several nuances to ensure it is suitable for your business in the long term. Let’s first understand what is Vendor Financing? Vendor financing is a working capital facility that allows you to receive early payments against invoices raised to your buyer. Buyers partner with the top financial

E-invoicing - the game changer

From 1st January 2021, companies with a turnover of over Rs.100 Cr have to switch to E-Invoicing for all B2B transactions. It had already been mandated for Rs. 500Cr + turnover companies in October 2020 and is expected to be further rolled out to all B2B businesses, irrespective of size, during the next 12 to 18 months. E-Invoicing makes Invoice reporting real-time, and not a post facto activity. It will help in

Should I get a business rating, and how will it help me?

We live in a world of reviews and ratings. We rely on ratings for almost anything we buy – a movie ticket, food delivery, selecting a hotel, shopping on Amazon or Flipkart and so on. We would like to have unbiased opinions so that we know exactly what to expect from a product we buy. Are reviews and ratings relevant to B2B products?But does this apply to B2B or is this largely a