Complete operating system for bank driven Supply Chain Finance programs that connects internal teams, anchor buyers, and suppliers in one platform. The suite orchestrates onboarding, PO and invoice flows, early payment, and repayment so banks can grow SCF portfolios while controlling risk and providing a better experience for SME suppliers.
Rayterton Supply Chain Finance Suite provides one environment for structuring SCF programs, onboarding anchor buyers and suppliers, and monitoring exposure so that trade, risk, and operations teams work from the same data instead of disconnected spreadsheets and email threads.
The internal portal gives trade, SCF, and operations teams a unified dashboard that shows outstanding financed invoices, program uptake per buyer, upcoming maturities, and items that require action, such as pending approvals or reversals.
The suite supports payables finance, receivables purchase, and pre shipment structures with configurable program parameters so banks can launch different propositions for large anchors, distributor ecosystems, or specific sectors.
A strong master data and program layer ensures that every SCF transaction follows agreed limits, pricing, and relationships between buyers, suppliers, and partner banks.
Manage buyer profiles, supplier directories, KYC documents, contact points, and bank accounts in one place so all portals and workflows use consistent party data.
Maintain item catalogs and measurement units for matching PO, GR, and invoice lines and reducing disputes caused by inconsistent references or descriptions.
Define SCF programs per anchor buyer, set global program limits, and allocate sub limits to individual suppliers or supplier groups based on credit appetite and risk policies.
Use a rules engine to configure discount rates, fees, and tenor based pricing that take into account risk rating, ESG score, and campaign based incentives.
The suite manages the full transaction journey from PO and goods receipt through invoice upload, validation, and early payment so that financing decisions rest on verifiable trade data.
Ingest purchase orders and goods receipts through APIs, SFTP, or manual upload, then match them using configurable rules so SCF transactions are anchored on confirmed orders and deliveries.
Support bulk uploads, structured files, and manual entry. Three way matching between PO, GR, and invoice lines highlights mismatches early and routes exceptions for review.
Multi level approval matrices let buyers route invoices through operational and finance review before they become eligible for financing, with maker checker segregation built in.
Suppliers request early payment for approved invoices and immediately see offers from the bank, including discount, net proceeds, and expected value date based on program rules.
A centralized upload manager tracks all incoming files, logs validation results, and provides clear queues for correction and reprocessing so operations staff can resolve issues quickly.
Different portals are tailored to internal bank teams, anchor buyers, and SME suppliers so each participant can focus on their own tasks while sharing the same SCF data backbone.
Finance and operations teams at anchor buyers see pending invoices, approve or reject them, review program utilisation, and manage repayment schedules from a dedicated portal and mobile friendly views.
Suppliers track invoice status, request early payment, view bank offers, and maintain bank accounts and KYC documents through a simple interface that reduces calls and emails to the bank.
Bank users monitor SCF transactions, approval workloads, SLA performance, and operational health from an internal console that also hosts advanced support tools and impersonation features with proper controls.
Lightweight mobile journeys let buyers approve invoices and suppliers request financing while away from their desks, supported by push notifications for key events and deadlines.
The platform embeds credit risk and ESG perspectives directly into program limits, alerts, and pricing decisions instead of treating them as separate offline checks.
Capture and maintain buyer and supplier credit ratings, link them to programs and limits, and make them visible in workflows so every financing decision considers current risk appetite.
Real time views of utilisation against limits per program, buyer, and supplier help prevent over usage, while early warning indicators highlight overdue items and concentration risks.
ESG questionnaires and scorecards allow banks and anchors to reward suppliers that invest in better environmental and social practices through improved access or pricing.
Configurable pricing formulas combine risk rating, ESG score, and program parameters so discount rates reflect both financial and sustainability perspectives in a transparent way.
Rayterton Supply Chain Finance Suite is built to connect with core banking, ERP systems, and regulatory reporting so SCF becomes part of a wider digital ecosystem.
Implementation approach follows the same pattern as other Rayterton solutions. The focus is a working Supply Chain Finance environment that already reflects your buyers, suppliers, and program structures before you make any commercial commitment.
Share your buyer and supplier landscape, program concepts, and risk priorities. The Rayterton team will prepare a prototype Supply Chain Finance environment with your sample data and dashboards that your trade, SCF, and risk teams can test together.