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

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Case study

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1

PBCs – Packaged Business Capabilities

16

Microservices

54

APIs

41

Events

Trends

Key Trends Driving Next-Gen Supply Chain Finance

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AI Powered Decisions

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Embedded Finance

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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.

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.

AI Powered Decisions

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.

Overview

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

Capabilities

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

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

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

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

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

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

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

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

KEY DIFFERENTIATORS

Why banks choose eMACH.ai Supply Chain Finance

One Platform, Unified Working Capital, M-Aware, Automated Operations. Cognitive Insights

M-Aware Platform

The Difference: A true multi-country, multi-entity, multi-currency, multi-lingual, multi-segment solution that allows banks to deploy a single platform once and expand to 30+ countries through configuration alone.

The Advantage: Multi-plier effect, Localized compliance, country-specific invoice formats (XML, PDF), tax regulations, and accounting standards are automatically enforced per market.

True Cloud-Native Microservices Architecture

The Difference: Built from the ground up as loosely coupled, self-contained microservices—not a cloud-hosted legacy system.

The Advantage: Enables elastic infrastructure, instant scaling, and zero-downtime updates, ensuring a future-proof solution without vendor lock-in.

Composable and Extensible Design

The Difference: A modular and extensible design that allows banks to add new products, programs, or workflows without system rewrites.

The Advantage: Banks can launch custom programs for buyers and sellers in weeks rather than months, providing extreme business agility.

API-First Ecosystem Connectivity

The Difference: Built using the eMACH.ai design principles with 80+ out of the box well defined APIs for seamless and connectivity to the supple chain ecosystem.

The Advantage: Seamlessly connects to any ERP (SAP, Oracle), local payment networks, and core banking systems to eliminate data silos.

AI Native – Purple Fabric Digital Experts

The Difference: Purpose-built Digital Experts—from Onboarding, Instrument classification, Instrument data extraction, compliance checks, working together to improve operational efficiency and reduce costs.

The Advantage: Achieves 90%+ AI accuracy in document extraction and automated verification, reducing manual data entry by 80%.

Industrial Hyperscale Proven at Scale

The Difference: A battle-tested platform that is resilient by design and linearly scalable with growing volumes, benchmarked for millions of customers / counterparties and 10M+ daily transactions.

The Advantage: Currently powers some of the world’s top banks, achieving 10X asset growth for clients over five-year cycles.

DIGITal Experts

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.

FAQs

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.