Supply Chain Finance Solutions

Supply Chain Financing is the smart, tech-driven way to ensure your suppliers are paid quickly while you gain flexible credit terms. Access financing of up to ₹ 2.5 Crore to stabilize your business or support your value chain partners. With rates starting from 10% p.a. and an unsecured approach (no collateral needed*), you can manage cash flow efficiently and fuel growth, all through our seamless, quick-approval platform.

Features & Benefits
Documentation
Eligibility
Fees & Charges
Frequently Asked Questions

Loan Amount

Access a supply chain finance loan against your invoices to maintain smooth cash flow, with limits up to ₹ 2.5 Crore.*

Interest Rate

Enjoy supply chain finance interest rates starting from 10% p.a., helping you optimize working capital efficiently. Rates are indicative and subject to NBFC approval.

Flexible Tenure

Finance bills for 30, 60, 90, or 120 days, as per your needs

Quick Approvals

Our online application process ensures fast and efficient approvals

Collateral-Free Financing

No need for mortgages or additional security

Simple Process

Digital application process with minimal paper work

Benefits of Supply Chain Finance Loan

Cash Flow Optimization : Convert invoices into instant cash, ensuring smooth operations, timely supplier payments, and efficient working capital management. Subject to eligibility and NBFC approval.
Collateral-Free Loans : Access funds without pledging assets. SCF loans are provided directly against invoices, reducing the need for security. Loan approval is subject to NBFC assessment.
Flexible Payment Tenures : Choose repayment periods of 30, 60, 90, or 120 days to match your business cash flow cycles.
Digital Approval and Processing : Apply online, submit documents digitally, and receive quick approvals and disbursal, saving time and effort. Processing timelines may vary based on verification.

L&T Finance Business Loans give you the advantage of a trusted financial partner that understands business needs and provides solutions that support long-term growth.

Supply Chain Finance Loan Eligibility & Documents

Eligibility

Residency:

Indian resident

Age:

Salaried individuals: 20 to 70 years
Self-employed individuals: 25 to 70 years

Others:

eligibility can be increased by adding co-applicant income or other verifiable income sources

Documents

KYC Documents

Firm / Company: PAN Card | Address Proof | GST Registration Certificate (if applicable) | Udhyam certificate and other applicable registrations

Proprietor / Partner / Director: PAN Card | Aadhaar Card | Electricity Bill | Rent Agreement | Index II.

Income Documents

Income Tax Returns along with computation for latest 2 years (wherever applicable)

Profit / Loss statement and Balance Sheet for the latest 2 years (wherever applicable)

GST Returns (wherever applicable)

Bank Account Statement

Operative Bank Account Statements for Latest 12 months

FAQs & Support

View all

Can small businesses benefit from supply chain finance?

Yes, small businesses benefit from supply chain finance by accessing early payments for invoices, improving cash flow, and reducing the need for collateral, helping them manage working capital more effectively.

How does supply chain finance impact global trade?

Supply chain finance improves global trade by enhancing liquidity for both buyers and suppliers, reducing payment risks, and enabling smoother cross-border transactions through flexible financing options.

What is Supply Chain Finance?

Supply Chain Finance helps businesses convert their invoices/bills into cash, providing the working capital needed to support day-to-day operations. It allows businesses to raise funds against unpaid invoices.

What’s the difference between supply chain finance and factoring?

Supply chain finance helps buyers and suppliers optimize cash flow by extending payment terms, while factoring involves selling invoices to a third party (factor) for immediate cash at a discount.

How can businesses implement supply chain finance?

Businesses can implement supply chain finance by partnering with financial institutions that offer SCF platforms, integrating technology for digital invoicing, and coordinating with suppliers and buyers for seamless payment terms.

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