SCF SaaS Platform for Lenders

What is the SCF SaaS Platform for Lenders?

RAMSUN Network's AI powered SCF Product Suite is a white-labeled SaaS platform that lenders can deploy to run their own supply chain finance programs. It brings together three components - a Loan Origination System (LOS), a Loan Management System (LMS) that is co-lending enabled with all Invoice Discounting and Factoring Products, and a customer-facing Portal - into a single, connected platform covering onboarding, assessment, disbursement, servicing, and repayment.

LOS - Loan Origination System

Make your onboarding and assessment journey digital.

• Digital Onboarding: One time Anchor registration, along with list of Vendors/Buyers
• Fetch data instantly: API Based KYC, GST data & Financials Extraction
• BRE based assessment: Lender Configurable BRE, Rules based approvals
• Flexible Flows: Flexible flows for better communication within internal users
• Automated Sanctioning: Auto CAM and Sanction Letter generation, based on Lender's templates
• Interactive Dashboard: Infographics based Dashboard
• Self Registration: Web and App based Dealer and Vendor Log-in
• Post-Sanction Process: Video KYC integration, Online Documents E-Sign

LMS - Loan Management System

SCF Loan Servicing platform, with ease and flexibility at its core.

Multilevel Limits & Borrower Config

• Borrower - Anchor or its Buyers/Sellers
• Exposure limit - Party Level
• Umbrella limit - Program Level
• Sub-limits - Buyers/Sellers level
• Differential rates and other parameters for every Buyer/Seller
• Multi Currency management

Multiple SCF Products

• Sales Invoice Finance, Purchase Invoice Finance
• Vendor Finance, Channel Finance
• Factoring, Reverse Factoring
• WCDL

Co-Lending

• Facilitates Co-Lending with Multiple Co-Lending Partners
• CLM1 and CLM2 Models supported
• Model available for both introducer and co-lender

Charges Module

• PF and other upfront Charges
• Transaction Charges
• Delay Charges
• Bounce Charges
• Other Adhoc Charges
• Invoicing and collection

Repayment & Liquidation Options

• Maturity date calculation from Disbursement, Invoice or GRN date
• Auto repayment allocation using Virtual Accounts
• Auto Liquidation in FIFO model
• Repayment attribution using Customer Repayment Advice
• Manual repayment attribution

Accounting Ledgers

• Facilitates Co-Lending with Multiple Co-Lending Partners
• CLM1 and CLM2 Models supported
• Model available for both introducer and co-lender

Portal - Customer Frontend

Connecting Anchor customers, Suppliers, Buyers and Co-lenders through an easy-to-use Portal.

Anchor Corporate (procuring Goods/Services)

• Submit and Approve Invoices for Financing and track disbursement status
• Track limits across Suppliers and Buyers
• Track upcoming repayments
• Submit Repayment Advices
• View and Download Analytics reports

SME Suppliers & Buyers (supplying to or Purchasing from Anchor Corporate)

• Submit Invoices for Financing and track disbursement status
• Track available limits
• Track upcoming repayments
• Submit Repayment Advices
• View and Download Analytics reports

Lender Sales and Operations (Needing advance Capital)

• Introduce Customers
• Create and Approve Products, Workflows and Programs
• Approve and Disburse Transactions
• View and Approve Repayments
• View and Download various analytics and reports

Co-Lenders

• Review and approve referred customers and their limits
• Track Limit Utilizations
• Extract the accounting and customer information as reports or integrate with their LMS through APIs
• Receive notifications