Rayterton Supply Chain Finance (SCF) Platform

Rayterton Supply Chain Finance (SCF) is a strategic, enterprise-grade digital infrastructure designed for tier-1 banks and large corporations. The platform goes far beyond transactional financing by embedding governance, risk management, operational intelligence, and scalability into a single bank-owned SCF ecosystem.

Core SCF Modules & High-Value Capabilities

Rayterton SCF is architected as a modular yet fully integrated platform, purpose built to meet the stringent demands of regulated financial institutions while preserving operational agility. The architecture is designed to strike a deliberate balance between flexibility and enterprise-grade cohesion, allowing banks to scale their Supply Chain Finance capabilities without compromising control, security, or compliance.

Each functional module ranging from onboarding, limit management, transaction processing, risk monitoring, to settlement and reporting delivers clear and measurable standalone value. This modularity enables institutions to deploy and activate capabilities incrementally, aligned with strategic priorities, product rollout timelines, and market readiness, without creating system fragmentation or technical debt

Buyer & Supplier Onboarding Module

Digital onboarding with structured workflows for buyers and suppliers, including legal documents, bank account verification, Anti-Money Laundering (AML) / Know Your Customer (KYC) screening, and approval governance. Full audit trail ensures regulatory readiness and accelerates time-to-live for new SCF programs

Program Setup & Limit Management

Flexible configuration of SCF programs per buyer, including limit structures, multi-currency parameters, tenor rules, pricing frameworks, and buyer- supplier eligibility mapping. This module enables banks to manage SCF as a portfolio of structured credit programs with clear governance, exposure visibility, and scalable control rather than as isolated, transaction based financing

PO & Pre-Shipment Financing Module

Support for PO-based and pre-shipment financing, including PO upload, validation, and linkage to financing eligibility. Provides early working capital access while maintaining strict bank controls

Invoice Upload, Matching & Buyer Approval

Advanced invoice processing with configurable PO and goods receipt (GR) matching, tolerance rules, and exception handling.

Buyer approval workflows and portal integration ensure that only verified, approved, and eligible receivables proceed into the financing lifecycle — strengthening operational accuracy and risk control.

Financing Request & Early Payment Engine

Workflow-driven financing request management with automated calculation of tenor, pricing, and early payment options based on program rules.

The engine supports invoice financing and early payment programs, combining system-driven calculations with bank approval governance to enable scalable supplier participation and transparent financing decisions

Payment, Repayment & Settlement Module

End-to-end disbursement and repayment management, including batch payment processing, repayment schedules, manual payment handling, and settlement tracking. Ensures financial accuracy and operational efficiency

Risk, Credit & Environmental, Social, and Governance (ESG) Intelligence

Integrated credit rating management, exposure monitoring, and ESG-based scoring. Enables dynamic pricing, risk-based decision making, and alignment with sustainable finance initiatives.

Workflow Engine & Service Level Agreement (SLA) Management

A configurable workflow engine supporting multi-level approvals, maker-checker principles, delegation of authority, and SLA-based escalation.

This module underpins governance, operational discipline, and auditability across all critical SCF processes at scale.

Reporting, Analytics & Portfolio Dashboard

A real-time executive cockpit consolidating thousands of active invoices, multi-currency exposures, and buyer-supplier relationships into a single, auditable view.

The dashboard enables bank management to monitor utilization, concentration risk, overdue exposure, ESG-weighted portfolios, and SLA performance across all SCF programs transforming daily operations into board-level decision intelligence.

Ready to fully customize SCF System to your needs

Share your SCF operating structure, policies, and operational pain points. Rayterton will deliver a Supply Chain Financing (SCF) system tailored to your end-to-end SCF processes, ensuring standardized workflows, accurate counterparty and exposure data, and real-time management dashboards that provide full portfolio visibility and control across the organization.

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