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USPs

Optimised Working Capital

  • Optimised Working Capital

  • End-to-End Digital

  • Up to 100% Financing Improve cash flow

  • Strengthening supply chain ecosystem

About 

Supports Domestic & Exports

 

Use these solutions for local sales or cross-border trade, including exports from or imports into India. This helps reduce supply chain risks and improves cash flow.

Corporate-Vendor Agreement

For Vendor Bill Discounting, the corporate, vendor, and bank work together. Vendors get limits based on the corporation’s recommendation and their approved invoices.

Buyer-Led Programmes

In Reverse Factoring or Payable Financing, the buyer starts the process. Suppliers get early payments at better rates, while the buyer’s books stay the same, subject to buyer’s internal policies/auditor’s interpretation.

Fully Digital Process

Everything from applying to getting funds and updating payments happens online. Real-time invoice tracking and auto-reconciliation make cash flow management easy.

Receivables Solutions

Off balance sheet solutions offered to Corporates by monetising their receivables due from buyers/dealers.

Factoring (Domestic & Cross Border)

Factoring (domestic or cross-border) is an ideal alternate financing solution to traditional Working Capital Loans, besides being an optimal buyer credit risk mitigation tool for the seller.

Dealer Financing

Dealer/Distributor network is an essential element of the Corporate supply chain ecosystem. Dealer financing provides an instant working capital facility to Dealers/ Distributors for buying goods from the Corporate.

Payables Solutions

Solutions addressing traditional vendor financing gaps by offering competitive Working Capital Finance to the suppliers under a buyer-initiated programme. Contributes to building an efficient & well-funded supply chain ecosystem for the Corporate (buyer).

Reverse Factoring

Reverse Factoring is initiated by the buyer to help the sellers receive early payment. The buyer signs a Payment Services Agreement and its sellers assign receivables to the bank via Factoring Agreement and get paid early at a discount rate agreed with the buyer. On the due date, the buyer repays the bank.

Payable Financing

The Bank signs an agreement with the buyer and provides upfront discounting of the accepted invoices to the suppliers. On the due date, the buyer makes payment to the Bank directly.

Vendor Bill Discounting

A unique unsecured facility offered for vendors basis accepted bills/invoices by the Corporate. The buyer and vendor enter into an agreement with the Bank. Limit is assigned to the vendor basis corporate recommendation and requisite due diligence on the vendor. Bills accepted by the Corporate for the vendor are discounted by the Bank and repaid by the Corporate on respective due dates.

FAQs

What is Supply Chain Finance & Structured Trade Solutions?

Supply Chain Finance (SCF) & Structured Trade Solutions reduces the risk of supply chain disruptions and enables both buyers and sellers to optimize their working capital needs. These working capital requirements are met through either moetisation of receivables under factoring & dealer financing structures or supporting vendors through reverse factoring, payable financing  or vendor bill discounting. These non debt mode of financing enhance efficiency of the corporate’s supply chain ecosystem.

What are Receivables Solutions under SCF?

Receivables Solutions are off balance sheet solutions offered to  corporates by monetizing their receviables due from buyers/dealers. This includes Domestic & Cross-Border Factoring and Dealer Financing.

How do Payables Solutions work?

Payables Solutions helps buyers support their vendors with upfront payments and liquidity. This is done through Reverse Factoring, Payable Financing, or Vendor Bill Discounting. The buyer’s accounting treatment of payables remains unchanged* while suppliers benefit from early payments at competitive rates.

Who is eligible for these solutions?
Both buyers and sellers who need to optimize their working capital needs either through monetization of receivables under the domestic & cross border factoring and dealer financing structures or support vendor needs through reverse factoring, payable financing & vendor bill discounting solutions.

What are the digital capabilities offered?
ICICI Bank’s in-house digital architecture ensures end-to-end digital journeys from onboarding, sanction, and disbursement to real-time invoice visibility. Payment updates sync with your ERP for auto-reconciliation, and you get a customised MIS dashboard.

How can dealers and vendors benefit?

Dealers get instant working capital through Dealer Financing. Vendors enjoy early payments via Reverse Factoring, Payable Financing, or Bill Discounting. Enrolment and limit setup are simple and can be done online in less than 30 minutes.*

How is this different from a regular working capital loan?

Unlike traditional loans, these are typically non-debt, off-balance sheet solutions. They help unlock cash tied up in invoices, improve liquidity, and reduce buyer credit risk, making supply chains more resilient.

How can I apply for Supply Chain Finance solutions?

Corporates can get in touch with their ICICI Bank relationship manager to discuss suitable structures. Onboarding and agreements are streamlined and digital, ensuring quick turnaround with minimal paperwork.

*Subject to buyer’s internal policies/auditor’s interpretation.

How do I log in to ICICI Bank’s Supply Chain Finance Portal?

To log in to ICICI Bank’s Supply Chain Finance Portal, visit the official ICICI Bank Business Banking page and select the Supply Chain Finance option. Enter your username and password provided by ICICI Bank. You may also need to complete additional security checks, such as OTP verification or two-factor authentication, for enhanced security.

Disclaimer

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