Supply chain financing (SCF) is a financing solution that brings buyers, sellers and lenders together. This arrangement helps clear and unlock the working capital locked in the supply chain. It helps businesses improve liquidity, build stronger supplier relations, and reduce supply chain risks. Despite the many benefits this arrangement offers to all stakeholders, it has […]
Working Capital Lending Risk Assessment: Best Practices & Pitfalls
In the current financial year, businesses are expected to require Rs 11.2 lakh crore in working capital, up from Rs 8.7 lakh crore in the previous year. As a result, businesses will need more capital to meet their operational expenses, such as inventory purchases, salaries, and other expenses. As the lending sector becomes increasingly competitive, […]
Can a Virtual Credit Card Affect a Customer’s Credit Score?
The rise in online transactions has increased security threats to critical financial information. Virtual credit cards have become popular in recent years as a preventive method. These cards allow consumers to use their credit cards online without the risk of exposing their credit card information. Consumers, however, are also concerned about the impact virtual credit […]
Working Capital Loans: Propelling Startups
Working Capital is a financial metric that, despite its technical definition, is better understood in the literal sense of the term which is, ‘the capital that works’. As a production factor, it generates revenue and ensures the continued existence of the other three aspects, such as labour, land, and entrepreneurship. Working capital management entails controlling […]
Why Are Lenders Betting Big on Supply Chain Finance?
Micro, Small, and Medium Enterprises (MSMEs) are often considered the backbone of the Indian economy, and they account for approximately 30% of India’s GDP and employ close to 111 million individuals. The COVID-19 pandemic posed many challenges across industries and disrupted supply chains. The current Russia-Ukraine war and periodic lockdowns in China have added to […]
How Can Embedded Finance Be an Innovative Gateway for the Lending Industry?
Technology has advanced so dramatically over the last decade that consumers can order a ride before arriving at their destination. In addition, they can pay utility bills without leaving their homes. In today’s modern world, instant payment systems are a part of our everyday lives, but where does the money come from? The answer is […]