Supply Chain Finance

To mitigate payment risk and improve cash flow

We have our flagship web-based system platform to provide Supplier finance to multiple Suppliers of a Buyer collectively.

Supply Chain Finance
  1. ①Your company enters into sales & purchase contract with Supplier
  2. ②Your company enters into Payment Agreement with SMBC/SPC providing irrevocable, unconditional obligation to pay for its payables on maturity date.
  3. ③Your Supplier enters into Receivable Purchase Agreement with SMBC/SPC
  4. ④Your Supplier delivers goods and issues invoice.
  5. ⑤Your company uploads the invoice data and approves the same on the website. This invoice data can be viewed on the system by Suppliers from the next business day.
  6. ⑥Your Suppliers log-in to website and offer its receivable for sale to SMBC/SPC to obtain advance payment on date chosen by Supplier. The perfection procedure on this assignment will be completed as per relevant regulations.
  7. ⑦SMBC/SPC pays to your Suppliers net of discounting interest.
  8. ⑧Your company pays full invoice amount to SMBC on maturity date.
  • ・Extend your payment terms, Days Payable Outstanding (DPO)
  • ・Simplify your payment processing via SMBC
  • ・Provide liquidity to Suppliers at lower cost of funding based on your confirmed payables and your credit.
  • ・Potentially off-balance sheet for Suppliers (subject to certified accountants and auditors approval)
  • ・Help your Suppliers obviate the need for currency hedging
  • ・Reduce supply chain risk by injecting liquidity in supply chain.