India’s Most-Trusted

B2B Trade Credit Infrastructure

Vayana brings together Corporates, their trade ecosystems, and Financial Institutions (FIs) with specialized Supply Chain Finance Solutions.

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Supply Chain Finance solutions to optimize working capital and improve cash flow.

Supply Chain Finance solutions to optimize working capital and improve cash flow.

$0Bn+

Financing facilitated

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MSMEs engaged

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Supply chains covered

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Corporates covered

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Cities in India

Services
Enabling Supply Chain Finance at scale with infrastructure and expertise for Corporates and FIs.

For Corporates

Discover our Payables and Receivables programs

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Single platform for all SCF Programs

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Predictable cashflows

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20+ major Financial Institutions

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Maximum reach and program adoption

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For FIs (Financial Institutions)

Discover our comprehensive SCF suite

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Cloud-based digital infrastructure

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From Loan Origination to Risk Management

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Corporate Origination and Network Services

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Efficient integration with Corporates

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For Corporates
Maximise value across your supply chain network
Flexible, inclusive, and most effective for growth
Supply Chain Network

Upstream and Downstream

Vayana offers upstream and downstream, anchor-led financing programs for your supply chain

Upstream and Downstream

Vayana offers upstream and downstream, anchor-led financing programs for your supply chain

Vendor Financing

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Zero-risk credit to vendors

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Enhanced liquidity

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Optimized working capital

Payable Financing

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Extended DPO

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No vendor involvement

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Optimized working capital & procurement

Reverse Factoring

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Immediate liquidity via factoring

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Reduced supplier credit risk

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Improved cash flow

payables financing

Dealer Financing

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Extended credit to dealers

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Faster payments, boosted sales

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Stable cash flows, reduced DSO

Receivables Financing

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Upfront invoice discounts

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Debt-free financing

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Flexible invoice selection

Factoring

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Immediate cash from Receivables

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Consistent cash flow

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Early payment security

Receivables Financing

Cross-Border Financing

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Unsecured. No collateral Facility

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Global coverage

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Flexible Limits

Cross border Financing

Payables

Range of programs for early payments to vendors without cashflow constraints

Vendor Financing

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Zero-risk credit to vendors

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Enhanced liquidity

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Optimized working capital

Payable Financing

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Extended DPO

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No vendor involvement

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Optimized working capital & procurement

Reverse Factoring

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Immediate liquidity via factoring

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Reduced supplier credit risk

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Improved cash flow

Receivables

Array of programs enabling Corporates to receive early payments from dealers

Dealer Financing

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Extended credit to dealers

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Faster payments, boosted sales

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Stable cash flows, reduced DSO

Receivables Financing

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Upfront invoice discounts

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Debt-free financing

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Flexible invoice selection

Factoring

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Immediate cash from Receivables

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Consistent cash flow

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Early payment security

Cross Border

Post-Shipment financing for exporters to realize up to 90% of invoice value upfront

Cross-Border Financing

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Unsecured. No collateral Facility

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Global coverage

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Flexible Limits

For FIS
Comprehensive Digital SCF Infrastructure for Financial Institutions
Efficient, Scalable, and Primed for Success
Digital Supply Chain Finance
Financial Institutions
Vayana offers Financial Institutions the ability to build scalable SCF portfolios and operate the full lifecycle.
Loan Orientation System Loan Orientation System

LOS

Loan Origination System

Streamlined Applications & Flexible Credit Assessment


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Swift approvals and loan processing

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Instant updates on application status

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Secure document and data access

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Scalable and growth-ready platform

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Transaction Platform Transaction Platform

Transaction Platform

Transaction Platform

Efficient Financing with Simplified Connectivity


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Unified SCF platform

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Rapid fund disbursement facilitation for FIs

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Standardized data & automated validations

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Real-time tracking and audit trail

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Limit Management System Limit Management System

LMS

Limit Management System

Cloud-based Limit Management for Lower Capex


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Invoice-level loan tracking

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Automates interest calculations

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Monitors credit limits in real-time

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Provides actionable insights and analytics

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Testimonials

What partners and clients say

Testimonials

What partners and clients say

“I was on another program before Vayana, but I never had visibility on which invoices were getting discounted. I didn’t have control over cash flow—everything was decided by the customer, including the pricing. Early payments were practically nonexistent. Then, Vayana introduced me to their receivable financing program, and everything changed. Now, I can discount my invoices and have control over the process.

 

We chose Vayana because of their program which had impressive interest rates. Since then, our cash flow has been much smoother, and the ROI has been impressive.”


CFO of India’s Leading Auto Ancillary Company

“Before Vayana, our corporate used to discount our bills for us. Our corporate referred us to Vayana. Since integrating Vayana, payments have been prompt. I have no issues with them at all. The cash flow has improved – this is beneficial because we are able to take more projects.

 

When the Vayana portal was upgraded, I was a little stressed, but Vayana operations team ensured that we are comfortable in the portal and helped move to that.”


An MSME Vendor from the AgriTech Industry

Frequently Asked Questions

Find quick answers to your
Supply Chain Finance queries.

Supply Chain Finance (SCF) refers to a set of technology-led financing solutions that optimize working capital across the entire supply chain, both upstream (receivables) and downstream (payables). It enables buyers to extend payment terms while giving suppliers access to early payments. On the other side, suppliers can offer early payment terms to their buyers and get financed against their receivables. SCF enhances liquidity, strengthens supplier-buyer relationships, and builds resilient supply chains.

The primary parties in Supply Chain Finance (SCF) include the buyer, supplier, and the financial institution providing the financing. Additionally, fintech enablers like Vayana play a crucial role by providing the technology and infrastructure that connect all parties, streamline processes, and scale the SCF program efficiently.

Vayana plays a pivotal role as the technology enabler and program orchestrator in Supply Chain Finance (SCF).

For FIs, Vayana provide the infrastructure to launch, manage, and scale SCF programs easily, including onboarding, compliance, and end-to-end visibility.

For Corporates and SMEs, we offer a single platform to access a wide range of SCF programs across the entire supply chain, along with automation for invoice uploads, approvals, reconciliation, and real-time tracking.

Suppliers benefit from SCF by gaining quicker access to working capital, reducing the need for expensive short-term financing, and mitigating payment risk. They can also negotiate better terms with buyers.

Buyers can benefit from SCF by optimizing their working capital, improving relationships with suppliers, and potentially negotiating discounts for early payments. It also enhances the overall stability of the supply chain.

SCF is used by businesses of all sizes. Large corporates often implement SCF programs to enhance their supply chains, but the programs can be tailored to meet the needs of smaller enterprises as well.

SCF shares similarities with factoring and invoice discounting, but it’s a broader concept that focuses on optimising the entire supply chain’s financial health. Factoring and invoice discounting primarily involve selling receivables to a third party.

Yes, SCF programs are often tailored to meet the specific requirements of a supply chain. The financing terms and conditions can be adjusted to accommodate the unique dynamics of each supply chain.

To implement SCF, you can start by identifying a partner who understands both your business goals and your supply chain dynamics. Financial institutions and enablers like Vayana can help you set up the right SCF program, be it for payables, receivables, or both.

At Vayana, we make it simple to launch and scale SCF across your ecosystem with program design tailored to your supply chain structure and working capital needs, easy onboarding for corporates and counterparties, and access to a wide network of FIs.

Yes, SMEs benefit significantly from SCF — it ensures they get paid on time, improves liquidity for day-to-day operations, and helps build stronger, more reliable relationships with the large corporates they work with.

Key performance indicators (KPIs) for SCF success include improved days payable outstanding (DPO), days sales outstanding (DSO), and supplier satisfaction. An effective SCF program can also be assessed by its impact on working capital.