eMACH.ai

Supply Chain Finance

Best-in-Class Digital Platform

Enterprise-grade SCF infrastructure built for payables finance, receivables discounting, and working capital optimization at scale.

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What You Could Do with AI-Native Supply Chain Finance

Finance $50B+ in Supply Chains Without Manual Processing

  • Auto-extract POs/invoices
  • 99%+ approval rates
  • 5000+ daily transactions
  • 8 SCF Digital Experts

Earn 10-12% APR Through Dynamic Discounting

  • Balance sheet as investment
  • Outperforms hurdle rates
  • Protects buyer liquidity
  • Fastest working capital unlock

Achieve 10X Asset Growth in 5 Years

  • $2B outstanding delivered
  • $26B+ disbursed to date
  • Weeks to launch
  • 19+ countries on one platform

Finance Beyond Tier-1 with Deep-Tier SCF

  • Tiers 2-4 financing enabled
  • Leverage anchor credit ratings
  • Unlock working capital deeper
  • Full supply chain visibility

Integrate ESG for Sustainability-Linked Finance

  • 80% have ESG policies
  • ESG-based pricing models
  • Green factoring support
  • UN SDG alignment built-in
Challenges

Supply chain finance challenges

Trapped working capital. Manual invoicing. Fragmented suppliers.

1. Working Capital Trapped

Suppliers waiting 60-90 days. $2.5T global financing gap.

2. Manual Invoice Processing

Paper-based systems. Reconciliation nightmares. Delays.

3. Fragmented Supplier Ecosystems

Traditional loans expensive. Banks cannot serve SMEs.

4. Lack of Transparency

No real-time tracking. Cash flow forecasting impossible.

CHALLENGES

Supply chain finance challenges

While maintaining operational excellence and driving sustainable growth

1

Frictionless Experience

Seamless Lending Journeys
Design intuitive experiences from application to disbursement.

2

Scale Efficiently

Portfolio Growth
Expand into new segments while maintaining asset quality.

3

Collaborative Ecosystems

Partner Network
Build partnerships with fintechs, merchants, and service providers.

4

Automate & Optimize

Operational Excellence
Reduce costs through intelligent workflows and automation.

5

Regulatory Adherence

Compliance & Security
Built-in compliance frameworks and complete audit trails.

6

Risk Management

Precision Analytics
Assess risk accurately, price optimally, minimize defaults.

Overview

A Complete Supply Chain Finance Platform

The eMACH.ai Supply Chain Finance Platform delivers a complete, enterprise-grade SCF infrastructure built on a composable, AI-native architecture. With $50B+ in annual financing volume, 5000+ corporates onboarded, and 333K+ high-value invoices processed each year, it enables banks to scale rapidly — with some achieving 10X asset growth in just five years. Powered by 8 SCF Digital Experts, the platform delivers 99%+ finance approval rates and supports dynamic discounting that consistently drives 10–12% annualized yields for participating institutions.

Covering the full spectrum of SCF products — from Payables, Receivables, PO and Inventory Finance to Distributor Finance, Deep-Tier SCF, and ESG-linked programs — it gives banks complete program management capabilities. With multi-program support, automated pricing, risk and limit controls, and seamless anchor–counterparty interactions, the platform delivers a smarter, more scalable SCF experience that accelerates working capital, strengthens supply chains, and maximizes returns for all participants.

333K+

High-value invoices processed annually

99%+

Finance request approval rates achieved

8

SCF Digital Experts powered by Purple Fabric AI

10-12%

Average annualized yield through dynamic discounting

Capabilities

Capabilities That Transform Performance

Every RM gets their own AI team, working 24/7 to amplify expertise and maximize impact.

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Platform Architecture

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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

Purple Fabric Embedded AI Layer

  • 8 SCF Digital Experts
  • 90%+ AI accuracy
  • Real-time insights
  • External signals via Kiri
  • Automated workflows

Foundation & Integration

  • iTurmeric platform
  • API-first design
  • 300+ integrations
  • Microservices
  • Cloud-native
Intelligence

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Embedded Intelligence Driving Smart Banking

Awards and Recognition

Recognized Excellence

Insights

Stay Informed with the Latest Insights

Insights contextual to only this solution/product from the Insights repository

Frequently Asked Questions

eMACH.ai 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.
Dynamic discounting allows buyers to earn 10-12% APR by paying suppliers early. Unlike outsourced fintech solutions, eMACH.ai 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.
ESG is embedded into the platform. eMACH.ai supports sustainability-linked SCF programs where financing terms are tied to ESG ratings. With 80% of borrowers having environmental policies, the platform enables ESG rating-based pricing, carbon tracking, and sustainability program management.
Yes. eMACH.ai integrates with major ERP systems, payment platforms, and treasury management systems. The platform supports GL account management, multi-currency operations, and real-time synchronization. Our M-Aware framework ensures seamless integration across multi-entity, multi-country operations in 30+ markets.