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eMACH.ai
Supply Chain Finance
Capital at the Speed of Commerce
Enterprise-grade SCF infrastructure built for payables finance, receivables discounting and working capital optimization at scale
Case study
65%
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PBCs – Packaged Business Capabilities
16
Microservices
54
APIs
41
Events
Key Trends Driving Next-Gen Supply Chain Finance
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Supply chain finance challenges
While maintaining operational excellence and driving sustainable growth
1
Frictionless Experience
2
Scale Efficiently
3
Collaborative Ecosystems
4
Automate & Optimize
5
Regulatory Adherence
6
Risk Management
Healthy Supply Chains Depend on Predictable Cash Flow
Supply chains are under constant pressure from liquidity constraints, delayed payments, and operational risk. Suppliers need faster access to working capital, while buyers seek to optimize cash flow without disrupting relationships.
Improved Supplier Liquidity
Enable early payments and faster access to working capital for suppliers.
Optimized Buyer Cash Flow
Extend payment terms responsibly while maintaining supplier trust.
Reduced Supply Chain Risk
Improve visibility into supplier exposures and dependencies.
Scalable Program Management
Onboard and manage large supplier ecosystems with ease.
A Unified Platform for End-to-End Supply Chain Finance
A modern supply chain finance platform aligns the interests of buyers, suppliers, and banks—delivering liquidity where it is needed while improving transparency and control.
eMACH.ai Supply Chain Finance enables banks to design, launch and manage a wide range of buyer-led and supplier-led financing programs on a single digital platform.
Supporting use cases such as reverse factoring, approved payables finance and dynamic discounting, the solution connects buyers, suppliers and financiers seamlessly.
With automated workflows, real-time visibility, and integration with payments, trade finance, and liquidity systems, the platform reduces manual effort and accelerates financing cycles. Banks can scale supply chain finance offerings efficiently, while corporates benefit from stronger supplier relationships and improved working capital outcomes.
Front-End Digital Engagement Platform
- Modern UX
- Multi-lingual support
- Anchors/suppliers/dealers
- SSO integration
- Embeddable widgets
Core SCF Back-Office
- Program management
- Finance lifecycle
- Repayment tracking
- Risk participation
- Exception handling
Digital Experts
- SCF Digital Experts
- 90%+ AI accuracy
- Real-time insights
- Intelligent decisions
- Automated workflows
Purpose-Built Capabilities for Supply Chain Finance
Enterprise-grade infrastructure built for payables finance, receivables discounting and working capital optimization at scale
1. Comprehensive Product Coverage
- Pre-shipment Finance (PO Financing, Invoice stage based staggered financing, auto movement to post shipment )
- Receivables Discounting
- Factoring
- Bill Discounting
- Loan against Receivables
- Payables Finances
- Corporate Payment Undertaking
- Dynamic Discounting (Offer creation/acceptance workflow between seller and buyer)
- Loan against Inventory
- Distributor Finance
- Islamic Supply Chain Finance
Business Impact
- Flexible financing options that maximize working capital for all parties
- Operational efficiency by reducing setup cycles from days to minutes
- Global scalability by expanding to new markets in weeks instead of months
2. Flexible SCF Program Management
- Relationship & Counterparty Management
- Recourse and Non Recourse
- Multi Currency support for Charges, Invoices, Disbursement and Settlements
- Flexible Finance Parameters
- Flexible Repayment Parameter
- Configurable Charges / Interest
- Program Conversions for end to end working capital needs of the customers
Business Impact
- Targeted revenue growth and industry-specific market capture
- Maximizes fee income and minimizes revenue leakage
3. Sophisticated Limit Management
- Centralised limit setup with real-time monitoring across the lines of business
- Support for ‘n’ level in the limit hierarchy
- Revolving or Fixed Credit
- Individual & Group Limits
- Secured & Unsecured Limits
- Funded & Non Funded Limits
- Drawdown rules, Drawing power adjustments
- Anchor / Counterparty Limits
- With / Without Recourse Limits
Business Impact
Proactive mitigation of operational and global counterparty risk
4. Instrument Lifecyle Management
- PO – Purchase Order Creation
- PO – Purchase Order Amendment / Cancellation
- Invoice Creation
- Invoice Amendment
- Invoice Acceptance / Cancellation
- Invoice and Credit / Debit Note Matching (Automation of credit / debit note matching with invoices using configured rules)
- Dispute Management
Business Impact
Eliminates physical document transit delays and manual processing errors
5. Finance Lifecycle Management
- Manual or Automated Finance Request (automation rules at program, anchor and counterparty level)
- Flexible Finance Rates/ Tenor Amendment
- Support for Back dated Settlements (interest refund, reversal of accruals, waiver of interest refund)
- Flexible Repayment Parameters (exact match, lump-sum payment against invoice/finance and appropriation sequences)
- Risk Participation
- Future Date Disbursements
- Crystallization (mitigate currency fluctuation risk by converting fcy finance to lcy finance on or after finance due date)
- Special Instructions (SI mandates at customer, program and operation level)
Business Impact
Drastic improvement in cash-flow velocity for the entire supply chain
6. Deliquency Management
- Flexible Delinquency Classification Parameters
- Exception Handling for NPAs
- Configurable Appropriation Sequence for NPAs
- Configurable Accounting Rules for NPAs
- Write Offs
Business Impact
Reduces credit risk and ensures regulatory compliance
7. Reporting and Analytics
- Flexible and Configurable Alerts (400+ in-built alerts, can be defined at customer, counterparty and program level)
- Support for multi-lingual SMS and Email alerts
- Powerful Reports (140+ OOB reports, can be configured at customer, counterparty and program level)
- 140+ out of the box reports that can be configured at customer, counterparty and program level
- Support for FX Reporting for regulatory purposes
- AI Insights (AI powered insights at program, buyer performance, early warning signals for the program and counterparty risks)
Business Impact
Data-driven decision making and increased wallet share through client intelligence
Why banks choose eMACH.ai Supply Chain Finance
One Platform, Unified Working Capital, M-Aware, Automated Operations. Cognitive Insights
AI-First Supply Chain Finance powered by Digital Experts
AI-native intelligence embedded across your entire supply chain finance operation.
Onboarding Digital Expert
Educates suppliers/dealers on program benefits. Assists with KYC documentation. Credit assessment support. Reduces onboarding from weeks to days.
ESG & Compliance Digital Expert
Evaluates ESG performance. Assigns sustainability ratings. Enables green factoring. TBML/sanctions checks built-in.
Participation Digital Expert
AI-based outreach campaigns. Enhances program activation rates. Identifies non-participants. Benchmarks against industry metrics.
Instruments Digital Expert
Auto-extracts POs/invoices with 90%+ accuracy. Simplifies finance request creation. Auto-matching across systems. 80% less manual entry.
Operations Digital Expert
Highlights payment delays/mismatches. Simplifies reconciliation reporting. 99%+ straight-through processing. Identifies operational bottlenecks.
Early Warning & Risk Digital Expert
Monitors internal/external signals. Flags defaults early. Tracks anchor financial health. Proactive risk mitigation.
Conversational Digital Expert
Natural language queries for insights. Self-service reporting. 40%+ reduction in call center volume. 24/7 availability.
Relationship Management Digital Expert
Proactive customer insights. Cross-sell opportunities. Program scaling recommendations. Benchmarking data. High-potential identification.
Frequently Asked Questions
What SCF products are supported ?
eMACH.ai Supply Chain Finance supports the complete suite of SCF products: Payables Finance (reverse factoring, approved payables, dynamic discounting), Receivables Finance (receivables discounting, factoring, invoice discounting), Purchase Order Finance, Inventory Finance, and Loan Programs. Both buyer-led and supplier-led programs on a single platform.
How does dynamic discounting work ?
Dynamic discounting allows buyers to earn 10-12% APR by paying suppliers early. Unlike outsourced fintech solutions, Intellect eMACH.ai SCF provides an owned platform where buyers can deploy their own balance sheet capital to unlock working capital while achieving returns that outperform traditional hurdle rates. Suppliers get early payment, buyers earn yield.
How quickly can we onboard new anchor clients in the supply chain finance program ?
Through our self-service eMACH.ai SCF Digital Engagement Platform portal and AI-first onboarding, onboarding can happen in minutes vs. days, enabling rapid scale.
How does the platform handle global multi-currency operations ?
The M-Aware framework natively supports multiple currencies with real-time FX integration to manage cross-border transaction needs.
Can we automate the financing approval process ?
Yes. Banks can define Auto-Finance parameters for specific anchors and counterparties, enabling automatic disbursement based on pre-approved criteria. One can define automation rules at program, anchor and counterparty level.
Does the solution integrate with our legacy core banking and payment systems ?
Absolutely. All the Integrations with the downstream enterprise systems are designed and built on the Intellect’s iTurmeric Composability and Integration platform, we have pre-built connectors for systems like Finacle, Flexcube, and T24 to ensure seamless data flow.
How does the AI improve operational efficiency in the supply chain finance context ?
Our Digital Experts automatically classify documents (POs, Invoices) and extract structured data with 90%+ accuracy, reducing manual data entry by 80%.
How does the platform handle risk management ?
The eMACH.ai SCF product has a sophisticated credit limits management module covering primary and secondary risks with n-level hierarchical monitoring.
Its supports a wide range of credit limits checks across revolving or fixed credit, secured & unsecured limits, funded & non funded limits.
Does the platform support in-built fees and charges ?
Yes, the eMACH.ai SCF product has an inbuilt advanced pricing engine, one can configure complex charge codes and pricing rules linked to specific events like disbursement or repayment.
What is the typical deployment timeline for a new market ?
Implement the eMACH.ai SCF platform in your primary market. launch payables finance, receivables discounting, dynamic discounting.
Add new countries by configuration, not custom development. new countries—suppliers onboard in local language, local currency.
Delivering Tangible Impact Across Global Banks
Bank A
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Bank B
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Bank C
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Recognized Excellence
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