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eMACH.ai
Supply Chain Finance
Comprehensive, AI-first, industry-aligned, front-to-back Supply Chain Finance solution that empowers banks to lead the future of SCF with innovation and operational excellence.
Rated the best SCF platform for strength of offering - IBSi
$150B+
SCF Disbursed to date
4100
Corporates on boarded
18
Customized SCF products run on the platform
8
SCF Digital Experts
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 is a comprehensive, AI-first, end-to-end Supply Chain Finance platform built to help banks lead the next generation of SCF through innovation, agility, and operational excellence.
Powered by the eMACH.ai architecture, the platform is built on a microservices-based, API-first foundation that enables banks to rapidly create, scale, and differentiate their SCF offerings. Its highly configurable low-/no-code framework accelerates deployment while ensuring flexibility to adapt to evolving business and market needs.
The platform supports a complete suite of Supply Chain Finance solutions, including PO Finance, Payables Finance, Receivables Finance, Dynamic Discounting, and Dealer Finance. It also supports both pre-to-post and post-to-post finance conversion models, enabling banks to serve complex corporate ecosystems with greater efficiency, scalability, and intelligence.
Front-End Digital Engagement
- Modern UX
- Multi-lingual support
- Anchors/suppliers/dealers
- SSO integration
- Self-onboarding
- Finance request & settlements
Core SCF Back-Office
- Program management
- Finance & Instrument lifecycle
- Settlment Tracking
- Risk Participation
- Deliquency Management
- ESG Linked Financing
Embedded Ai - Purple Fabric
- 8 Digital Experts
- 90%+ AI accuracy
- Real-time insights
- Intelligent decisions
- Early Warning Signals
- 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
Covers the complete spectrum of Supply Chain Finance products across domestic, cross-border, and multi-currency ecosystems.
Key Capabilities
- Pre-shipment Finance
- Purchase Order Finance
- Event driven staged financing across:
- PO issuance
- PO conversion to Invoice
- Invoice approval / acceptance
- Conversion from Pre-shipment finance to Post-shipment finance
- Receivables Finance
- Receivables Purchase
- Receivables Discounting
- Invoice Finance
- Payable Finance
- Payables Finance
- Corporate Payment Undertaking (CPU)
- Dynamic Discounting
- Buyer-led Payable Finance
- Supplier-led Receivables Finance
- Distributor Finance
- Distributor Finance & VIN-level Distributor Finance
- Cross Border & Specialized SCF
- Cross-border SCF
- Multi-currency SCF
- FX-enabled SCF
- Islamic SCF
- ESG-linked SCF
Business Impact
- Launch new SCF products rapidly across markets and industries
- Expand beyond invoice financing into pre-shipment and distributor ecosystems
- Enable cross-border, multi-currency SCF programs with FX revenue opportunities
- Support diverse industry-specific financing models across global supply chains
2. AI-led Onboarding, Operations & Customer Service
Embedded AI experts leveraging Purple Fabric to scale onboarding, operations, monitoring, and servicing.
Key Capabilities:
- AI-led KYC and onboarding assistance
- AI-assisted credit assessments
- ESG and compliance evaluation
- Supplier / Dealer participation outreach
- Invoice and PO data extraction
- Automated document verification
- TBML and sanctions validation
- Early Warning Signal generation
- AI-led governance support
- Conversational AI for customer servicing
- Relationship management insights
- Cross-sell recommendations
- Program benchmarking and scaling recommendations
Digital Experts
- SCF Onboarding Expert
- SCF ESG & Compliance Expert
- SCF Participation Expert
- SCF Instrument Expert
- SCF Bank Operations Expert
- SCF Early Warning & Risk Expert
- SCF Conversational Expert
- SCF Relationship Management Expert
Business Impact
- Reduce onboarding and servicing effort
- Improve supplier and dealer participation
- Deliver proactive and contextual customer engagement
- Enable scalable operations with lower operational cost
3. Program & Counterparty Management
Flexible and configurable program structures supporting large-scale supplier and dealer ecosystems.
Key Capabilities
- Relationship & Counterparty Management
- Anchor-led onboarding
- Supplier / Dealer onboarding workflows
- Counterparty Self-Onboarding Portal (CSOP)
- Bulk onboarding through file uploads
- Multi-anchor and multi-program structures
- Recourse and Non-Recourse programs
- Program-level configuration
- Finance and repayment parameters
- Charges / Interest configuration
- Multi-entity and multi-currency support
- Eligible commodity configuration
- Holiday treatment
- Program conversion for end-to-end working capital requirements
Business Impact
- Reduce onboarding turnaround time for suppliers and dealers
- Enable anchors to initiate onboarding at scale
- Improve participation across SCF programs
- Support rapid launch of customized financing structures
4. Intelligent Limit, Exposure & Risk Management
Enterprise-grade risk controls enabling scalable portfolio growth with centralized visibility and governance.
Key Capabilities
- Hierarchical limit management
- Anchor / Counterparty limits
- Multi-entity limits
- Revolving and non-revolving limits
- With / Without recourse limits
- Real-time limit monitoring
- Limit earmarking
- Seasonal limits
- Dynamic drawing power validation
- Transaction-level controls
- Exposure and collateral validation
- AI-led credit assessments
- Early Warning Signals (EWS)
- Risk Participation & Syndication
- Cross-border exposure management
Business Impact
- Scale SCF portfolios without compromising risk governance
- Improve utilization of available credit lines
- Manage regulatory capital efficiently through risk distribution
- Strengthen proactive risk monitoring and exposure visibility
5. Instrument Lifecycle Management
Digitized lifecycle management from PO issuance to invoice reconciliation and dispute handling.
Key Capabilities
- PO Creation
- PO Amendment / Cancellation
- Invoice Creation
- Invoice Amendment
- Invoice Acceptance / Cancellation
- Invoice & Credit / Debit Note Matching
- Automated matching using FIFO, LIFO, SIFO and HIFO rules
- Rule-based validation workflows
- Dispute Management
- Automated invoice validation
- Duplicate financing checks
- AML and compliance validation
- Digital document handling
- Straight-through processing enablement
Business Impact
- Reduce manual processing and reconciliation effort
- Eliminate operational delays and errors
- Improve transaction visibility across the financing lifecycle
- Accelerate invoice financing and settlement cycles
6. Finance Lifecycle & Settlement Management
Comprehensive finance processing and settlement orchestration framework.
Key Capabilities
- Manual and automated finance requests
- Rule-based finance initiation
- Automated financing workflows
- Flexible finance rate and tenure amendments
- Future-dated disbursements
- Back-dated settlements
- Repayment management
- Flexible repayment modes
- Exact match and lump-sum settlements
- Appropriation sequencing (FIFO/LIFO/PICE/IPCE)
- Interest refunds and reversals
- Multi-currency disbursement and settlement
- FX Crystallization
- Forward contract utilization
- SWIFT-enabled settlement support
- Special Instructions framework
- Third-party settlement support
Business Impact
- Improve liquidity management and cash-flow efficiency
- Reduce operational complexity in settlement handling
- Support complex repayment and disbursement structures
- Enable treasury-aligned financing operations
7. Delinquency, Exception & Compliance Management
Integrated delinquency and compliance management supporting operational governance and regulatory controls.
Key Capabilities
- Flexible delinquency classification
- DPD-based monitoring
- NPA management
- Exception handling workflows
- Compliance exception management
- Credit exception management
- SLA Management
- Overdue management
- Interface exception queues
- Configurable accounting rules for NPAs
- Write-offs
- Recovery appropriation sequencing
- Audit trails
- Regulatory reporting support
- TBML and AML checks
- Sanctions screening
- Governance workflows
Business Impact
- Reduce operational and regulatory risk exposure
- Improve collections and delinquency management
- Strengthen governance and audit readiness
- Support regulatory compliance across jurisdictions
8. Reporting, Analytics & AI Insights
AI-powered operational intelligence delivering portfolio visibility, proactive monitoring, and customer insights.
Key Capabilities
- 140+ out-of-the-box reports
- Customer, counterparty and program-level reporting
- Configurable dashboards
- Portfolio monitoring
- Exposure analytics
- Business KPI visibility
- 400+ configurable alerts
- Multilingual SMS and Email alerts
- Scheduled reporting
- AI-powered insights
- Buyer and supplier performance analytics
- Early Warning Signals (EWS)
- Transaction trend analysis
- AI-driven operational intelligence
- Self-service customer insights
Business Impact
- Enable data-driven decision making
- Improve customer engagement and program participation
- Strengthen operational visibility
- Improve proactive portfolio monitoring and governance
9. Open Banking Architecture & Ecosystem Connectivity
API-first, composable, cloud-native architecture enabling scalable ecosystem-led finance.
Key Capabilities
- eMACH.ai architecture
- API-first and microservices-based platform
- Open banking enablement
- Embedded finance capabilities
- ERP integration
- Treasury integration
- Core banking integration
- SWIFT connectivity
- Partner ecosystem integration
- Multi-country operations
- Multi-currency support
- Multi-entity framework
- Multi-lingual capabilities
- Cloud and on-premise deployment
- Kubernetes-based deployment
- Headless front office support
- Real-time API and webhook integrations
Ecosystem Enablement
- ESG ecosystem integrations
- Invoice verification partners
- Risk and compliance ecosystem
- Digital negotiable instruments
- Embedded finance partner enablement
Business Impact
- Accelerate digital transformation initiatives
- Enable finance at the point of trade
- Reduce integration complexity and deployment timelines
- Support scalable ecosystem-led business models
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 Expert
Streamlines supplier and dealer onboarding by educating participants about the platform along with guided KYC, credit evaluation, ESG checks, and compliance readiness.
ESG & Compliance Expert
It helps organizations assess ESG performance, monitoring activities, governance checks & assessments, enabling institutions to build sustainable and compliant SCF ecosystems.
Participation Expert
Facilitates data extraction from purchase orders and invoices, simplifying finance requests initiation and expanding ecosystem participation.
Instruments Expert
Automates SCF instrument processing with intelligent finance request handling, PO/ Invoice extraction, and helps streamline instrument-related activities while improving operational efficiency across SCF processes.
Bank Operations Expert
Detects transaction delays and mismatches while streamlining reconciliation, reporting, and operational control across SCF workflows.
Early Warning & Risk Expert
Enables tracking of internal data to identify early warning signals and incorporates external indicators to strengthen risk visibility, governance monitoring, and proactive risk visibility capabilities.
Conversational Expert
Helps organisations provide proactive insights, improve customer engagement, and identify cross-sell opportunities. Along with enhanced customer servicing through conversational AI capabilities integrated into SCF programs.
Relationship Management Expert
Empowers relationship managers with program updates, scaling recommendations, and benchmarking insights across SCF portfolios with program performance tracking, and growth opportunity identification.
Frequently Asked Questions
How quickly can the Supply Chain Finance platform be deployed?
The platform is built on a modular, API-first architecture, enabling phased implementation aligned to the bank’s business priorities. Banks can begin with a specific SCF program, such as Receivables Finance, and progressively expand to additional products as adoption scales. Its highly configurable architecture reduces implementation complexity and accelerates time to market.
Does the platform integrate with existing core banking and payment systems?
Yes. The platform supports seamless integration with core banking, payment systems, ERP platforms, and treasury systems through secure APIs and configurable integration frameworks, enabling banks to embed Supply Chain Finance seamlessly into their existing technology ecosystem.
Can the platform support multi-country deployments?
Yes. The platform is built on a global, multi-country framework that enables banks to operate SCF programs across multiple jurisdictions while supporting local regulatory, currency, tax, and compliance requirements.
How does the platform support large-scale anchor and supplier onboarding?
The platform provides end-to-end digital onboarding capabilities for anchors, suppliers, and distributors, enabling banks to rapidly onboard ecosystem participants and scale programs across large supplier networks while maintaining visibility, governance, and operational control.
Does the platform support risk participation buy and sell?
Yes. The platform supports multi-funder participation models, enabling banks to distribute assets, collaborate with funding partners, and scale financing capacity while efficiently managing exposure and liquidity.
How does the platform help banks expand SCF programs across industries and geographies?
With configurable program structures and flexible financing models, the platform enables banks to support diverse industry segments and expand SCF programs across markets without extensive technology customization.
What Supply Chain Finance products are supported?
The platform supports a comprehensive suite of SCF products, including PO Finance, Payables Finance, Receivables Finance, Dynamic Discounting, and Dealer Finance. It also supports both pre-to-post and post-to-post finance conversion models.
How are financing approvals and workflows managed?
The platform provides configurable workflows and automated credit decisioning capabilities, enabling banks to streamline approval processes, enforce internal policies, and accelerate financing decisions while maintaining strong governance and compliance controls.
How does the platform manage risk and exposure across SCF programs?
The platform provides real-time visibility into exposures across buyers, suppliers, and funding partners, enabling banks to monitor concentration risk, manage limits proactively, and maintain tighter control over portfolio exposure.
How does AI improve operational efficiency in Supply Chain Finance?
The platform leverages AI-powered automation to digitize and validate documents, automate reconciliation processes, and reduce manual intervention, enabling banks to accelerate transaction processing while improving operational accuracy and efficiency.
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