Case Studies
How Vayana’s Dealer & Vendor Financing Solutions Deliver Efficiency and Growth for a leading Pharmaceutical’s Supply Chain
The Indian pharmaceutical industry is on an accelerated growth trajectory, expanding from $40 billion in 2021 to an expected $130 billion by 2030, with projections reaching $450 billion by 2047. Beyond meeting domestic demand, India commands over 20 per cent of the global pharma supply chain and fulfills nearly 60 per cent of the world’s vaccine demand.
With such rapid expansion, financial agility is critical for pharma companies to maintain seamless production, timely distribution, and strong supplier relationships. One of India’s leading biopharmaceutical firms, with a global presence, was facing increasing complexity in managing dealer and vendor payments.
Despite its strong market position, manual payment processes, limited credit access, and long onboarding cycles for vendors and dealers were creating inefficiencies. Recognizing the need for a streamlined, scalable financial ecosystem, the company partnered with Vayana to digitize and optimize its supply chain finance (SCF) strategy.
Solution? A Fully-Integrated, Digital SCF Framework
Vayana implemented a comprehensive financing solution covering both payables (vendor financing) and receivables (dealer financing), ensuring that liquidity was efficiently distributed across the supply chain.
How It Worked?
- Faster, Digital Onboarding for Vendors and Dealers
- Automated workflows reduced vendor and dealer onboarding times.
- A fully digital KYB (Know Your Business) process enabled seamless verification and integration.
- Credit eligibility assessments were digitized, accelerating credit approvals for ₹110 crores in limits in 2 weeks.
- Seamless Access to Credit for Dealers
- Dealers gained pre-approved credit lines, eliminating working capital constraints.
- Financing was embedded within the transaction process, ensuring instant invoice discounting.
- Dealers could now repay lenders directly, reducing dependency on the Corporate for extended credit terms.
- Optimized Payables for Vendor Payments
- Vendors received early payments through financing programs, reducing delayed receivables.
- The Corporate could now defer payments while vendors received funds upfront, improving cash flow for both parties.
- Collaboration with multiple banks ensured flexible financing terms and competitive interest rates.
- Real-Time Tracking and Automated Payments
- A centralized digital dashboard provided full visibility into financing utilization and repayment schedules.
- Payments were automated and processed within five minutes, replacing manual invoicing cycles.
- Customized credit solutions ensured that both high-volume and smaller dealers benefited from financing.
Creating an Uninterrupted Supply Chain
By integrating Vayana’s SCF platform, the company eliminated operational inefficiencies and strengthened vendor relationships. This allows the Corporate to focus on innovation and expansion rather than financial bottlenecks.
- A ₹400+ crore financing program ensured liquidity across the supply chain.
- 50+ vendors onboarded digitally, eliminating manual paperwork and reducing friction.
- 70 per cent financing utilization, indicating strong adoption across stakeholders.
As India’s pharma industry gears up for a projected 14 per cent CAGR growth, driven by outsourcing, regulatory shifts, and global supply chain restructuring, financial agility will be a defining factor in sustaining momentum. Traditional working capital cycles will no longer be sufficient to support the rapid scale of operations.
By embracing Vayana’s digital-first SCF solutions, the company not only opened doors to financial efficiencies but also fortified its supply chain against disruptions, empowered its vendors and dealers with faster credit access, and enhanced overall business agility.
In an era where pharma supply chains are expanding beyond borders, companies need scalable, technology-driven financial solutions that drive both growth and resilience. Vayana continues to play a pivotal role in transforming supply chain finance, ensuring that businesses stay ahead in an increasingly complex global landscape.
