Frequently Asked Questions
Get answers to your questions. Know all about our
Trade Finance Solutions
What does Supply Chain Finance (SCF) mean?
Supply Chain Finance refers to a set of financial solutions designed to streamline cash flow in a supply chain. It typically enables suppliers to receive early payments on their invoices while allowing buyers to extend payment terms, thus benefiting both parties.
What is the primary goal of Supply Chain Finance?
The main goal of SCF is to improve cash flow for both suppliers and buyers. It does this by enabling suppliers to receive early payments on approved invoices while allowing buyers to extend their payment terms—creating a win-win situation for both parties.
Who can benefit from your Supply Chain Finance solution?
Our solution is designed for businesses of all sizes, especially small and medium enterprises (SMEs). Both suppliers needing faster access to funds and buyers looking to optimize their cash flow can benefit from our services.
How does SCF helps Suppliers and Buyers?
For suppliers, our solution accelerates cash flow by enabling early payment on approved invoices, eliminating the need to wait until the due date. This prompt access to funds allows suppliers to reinvest in operations, manage expenses, and drive growth. For buyers, extending payment terms helps preserve working capital, allowing them to allocate funds more strategically towards operational needs and investments while maintaining healthy supplier relationships.
How can Vayana Finserv help your business?
Vayana Finserv is an NBFC that specializes in supply chain finance. Our core business is to help businesses optimize their working capital and leverage their invoices by providing innovative, technology-driven financial solutions.
How is Vayana Finserv different from traditional financing institutions?
Vayana Finserv focuses only on Supply Chain Finance, offering fast, flexible, and affordable credit based on the strength of your business relationships—not just credit scores.
We stand out with:
- Expertise in supply chain finance
- Customized solutions for all business sizes
- Faster Credit Approvals
- Easy-to-use Tech platform
- Quick and Smooth Processes
What financial products do you offer under the Supply Chain Finance umbrella?
We offer a range of products/solutions such as –
- Dealer Finance
- Vendor Finance
- Payable Finance
- Receivable Finance
- Business Loan
What is Dealer Financing?
A Dealer Finance Product is a financial solution designed to support dealers in acquiring inventory/goods/services by providing tenor based credit facilities. It enables Dealers/Buyers to purchase goods from Manufacturers/Anchors/Seller with flexible repayment interest rates and tenure. This solution helps Dealers/Buyers optimize cash flow, reduce capital constraints, and maintain a steady supply of products without straining their working capital. This financial solution is always structured with the Anchor/Seller for its Dealers/Distributor/Buyer network where the Anchor/Seller recommends the Dealers/Buyers, undertakes stop supplies to the Dealer/Buyer in the event Dealer/Buyer fails to repay and the Lender/Vayana Finserv invokes the Stop Supply. However, the borrower is the Dealer/Buyer and the responsibility to repay lies with the Dealer/Buyer.
What is Vendor Financing?
A Vendor Financing Product is a financial arrangement where Suppliers (Vendors) are provided tenor based credit facilities enabling them to sell goods or services with deferred payment terms to the Anchors/Buyers/Corporates. This financing solution helps Suppliers manage cash flow by allowing them to supply inventory or equipment with immediate payment. This helps them secure sales and strengthen customer relationships. It enhances liquidity for Suppliers/Vendors and Anchor/Buyer, reduces financial strain, and promotes smoother business operations across the supply chain. This financial solution is always structured with the Anchor/Buyer for its Vendors/Suppliers network where Anchor/Buyer plays a role in recommending the Suppliers and is undertaking to pay on the due date but the borrower is the Vendor/Supplier.
What is Payable Financing?
Payable Finance is a supply chain financing solution that allows buyers to extend payment terms of the supplier or allows early payment to the suppliers on accepted invoices. This financial solution is always structured with the Anchor/Buyer for its Vendors/Suppliers network where Anchor/Buyer is the borrower and is bound to pay on the due date. Payable finance improves the Buyer’s/Anchor’s working capital by optimizing cash outflows, while providing Suppliers with immediate liquidity at a lower cost than traditional borrowing. This enhances trade and business relationships resulting in higher turnover and profitability for both the parties.
What is Receivable Finance?
Receivable Finance is a financial solution that allows businesses to unlock liquidity by leveraging outstanding invoices. Anchor/Seller can accelerate cash conversion cycles by presenting their receivables to a Lender/Vayana Finserv and receiving funds against them under pre-agreed terms. This enhances cash flow, reduces credit risk, optimizes working capital management and minimizes dependence on delayed customer payments.
Is the process digital and user-friendly?
Absolutely. Our end-to-end digital platform facilitates quicker onboarding, faster credit approval, e-signing, electronic invoice submission and real-time tracking of portfolio. This ensures a seamless and hassle-free experience for all users.
How does the Supply Chain Finance solution work?
Once an invoice/invoice details are submitted or buyer approves the uploaded invoice/invoice details on our platform, our platform will disburse immediate payment to the supplier, thus helping you accelerate your business.
What is the turnaround time for Limit Sanction?
Our LOS and BRE system is designed for processing the proposal with speed and efficiency for our credit to take right decisions with accuracy.
Below is our process snapshot:
How limits will be calculated?
Credit limits are determined based on an overall assessment of the business’s financial health, CIBIL Score, Financial Statements, Bank Statements, GST Returns etc. A thorough evaluation helps ensure the limit is aligned with your working capital needs for your business growth.
What documents to be submitted?
To proceed with your application, the following documents are required:
- Business KYC Details– GST Registration Certificate, PAN
- Borrower & Co-Borrower KYC– PAN and Aadhaar
- Financial Statements– Audited financials for the last 2 years
- Existing Credit Facility Details– Sanction letter of any current working capital facility (if applicable)
Can we process transactions during holidays?
Transactions are processed on all working days from 9:00 am to 9:00 pm except on Sundays and holidays as per NI Act in Mumbai.
How are we going to get updates and alerts and what updates and alerts?
Once you are onboarded, you will receive daily alerts and updates on your registered email ID. These include:
- Credit limit Utilization and Interest accrued.
- Fund Disbursements and Repayments
- Liquidation of outstanding dues
These regular updates help you stay in control of your credit usage and repayments.
How do I get started or get more information?
Visit our Contact Us page and click on ‘Apply Now’ and we will reach out to you or call us directly at 7083838080. Our team is here to assist you through every step.
Are there any prepayment penalties?
No, there are no prepayment penalties. We strive to offer flexible terms that adapt to your business requirements, allowing you to manage your cash flow without unexpected charges.
What support is available if I need help during the process?
Our dedicated customer support team is available to assist you throughout the financing process. Whether you have questions about eligibility, the application process, or technical assistance with the platform, we’re here to help.
