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eMACH.ai
Supply Chain Finance
AI-Native SCF Platform - Unlock Trapped Cash. Automate Operations. Finance Deeper.
Enable faster supplier payments, improve buyer liquidity, and reduce supply chain risk with a digital, scalable supply chain finance platform.
Case study
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PBCs – Packaged Business Capabilities
Key Trends Driving Next-Gen Supply Chain Finance
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Supply chain finance challenges
While maintaining operational excellence and driving sustainable growth
1
Frictionless Experience
2
Scale Efficiently
3
Collaborative Ecosystems
4
Automate & Optimize
5
Regulatory Adherence
6
Risk Management
Healthy Supply Chains Depend on Predictable Cash Flow
Improved Supplier Liquidity
Enable early payments and faster access to working capital for suppliers.
Optimized Buyer Cash Flow
Extend payment terms responsibly while maintaining supplier trust.
Reduced Supply Chain Risk
Improve visibility into supplier exposures and dependencies.
Scalable Program Management
Onboard and manage large supplier ecosystems with ease.
A modern supply chain finance platform aligns the interests of buyers, suppliers, and banks—delivering liquidity where it is needed while improving transparency and control.
Intellect’s eMACH.ai Supply Chain Finance solution enables banks to design, launch, and manage a wide range of buyer-led and supplier-led financing programs on a single digital platform.
Supporting use cases such as reverse factoring, approved payables finance and dynamic discounting, the solution connects buyers, suppliers, and financiers seamlessly.
With automated workflows, real-time visibility, and integration with payments, trade finance, and liquidity systems, the platform reduces manual effort and accelerates financing cycles. Banks can scale supply chain finance offerings efficiently, while corporates benefit from stronger supplier relationships and improved working capital outcomes.
The eMACH.ai Supply Chain Finance Platform delivers a complete, enterprise-grade SCF infrastructure built on a composable, AI-native architecture.
With $50B+ in annual financing volume, 5000+ corporates onboarded, and 333K+ high-value invoices processed each year, it enables banks to scale rapidly — with some achieving 10X asset growth in just five years. Powered by 8 SCF Digital Experts, the platform delivers 99%+ finance approval rates and supports dynamic discounting that consistently drives 10–12% annualized yields for participating institutions.
Digital Transformation in Half the Time and Cost
Enterprise-grade SCF infrastructure built for payables finance, receivables discounting, and working capital optimization at scale
Supply Chain Finance
Front-End Digital Engagement Platform
- Modern UX
- Multi-lingual support
- Anchors/suppliers/dealers
- SSO integration
- Embeddable widgets
Core SCF Back-Office
- Program management
- Finance lifecycle
- Repayment tracking
- Risk participation
- Exception handling
Purple Fabric Embedded AI Layer
- 8 SCF Digital Experts
- 90%+ AI accuracy
- Real-time insights
- External signals via Kiri
- Automated workflows
Foundation & Integration
- iTurmeric platform
- API-first design
- 300+ integrations
- Microservices
- Cloud-native
Purpose-Built Capabilities for Supply Chain Finance
Enterprise-grade infrastructure built for payables finance, receivables discounting, and working capital optimization at scale.
1. Comprehensive Product Coverage
- Pre-shipment Finance (PO Financing, Invoice stage based staggered financing, event based auto movement to post shipment )
- Receivables Discounting
- Factoring
- Bill Discounting
- Loan against Receivables
- Payables Finances
- Corporate Payment Undertaking
- Dynamic Discounting (Offer creation/acceptance workflow between seller and buyer, credit period slabs based discounts)
- Loan against Inventory
- Distributor Finance
- Islamic Supply Chain Finance
Business Impact –
- Flexible financing options that maximize working capital for all parties.
- Operational efficiency by reducing setup cycles from days to minutes.
- Global scalability by expanding to new markets in weeks instead of months
2. Flexible SCF Program Management
- Relationship & Counterparty Management
- Recourse and Non Recourse
- Multi Currency support for Charges, Invoices, Disbursement and Settlements
- Flexible Finance Parameters
- Flexible Repayment Parameter
- Configurable Charges / Interest
- Program Conversions for end to end working capital needs of the customers
Business Impact –
- Targeted revenue growth and industry-specific market capture.
- Maximizes fee income and minimizes revenue leakage
3. Sophisticated Limit Management
- Centralised limit setup with real-time monitoring across the lines of business
- Support for ‘n’ level in the limit hierarchy.
- Revolving or Fixed Credit
- Individual & Group Limits
- Secured & Unsecured Limits.
- Funded & Non Funded Limits
- Drawdown rules, Drawing power adjustments
- Anchor / Counterparty Limits
- With / Without Recourse Limits
Business Impact –
Proactive mitigation of operational and global counterparty risk.
4. Instrument Lifecyle Management
- PO – Purchase Order Creation
- PO – Purchase Order Amendment / Cancellation
- Invoice Creation
- Invoice Amendment
- Invoice Acceptance / Cancellation
- Invoice and Credit / Debit Note Matching (Automation of credit / debit note matching with invoices using configured rules)
- Dispute Management
Business Impact –
Eliminates physical document transit delays and manual processing errors.
5. Finance Lifecycle Management
- Manual or Automated Finance Request (automation rules at program, anchor and counterparty level)
- Flexible Finance Rates/ Tenor Amendment
- Support for Back dated Settlements (interest refund, reversal of accruals, waiver of interest refund)
- Flexible Repayment Parameters (exact match, lump-sum payment against invoice/finance and appropriation sequences)
- Risk Participation
- Future Date Disbursements
- Crystallization (mitigate currency fluctuation risk by converting fcy finance to lcy finance on or after finance due date)
- Special Instructions (SI mandates at customer, program and operation level)
Business Impact –
Drastic improvement in cash-flow velocity for the entire supply chain.
6. Deliquency Management
- Flexible Delinquency Classification Parameters
- Exception Handling for NPAs
- Configurable Appropriation Sequence for NPAs
- Configurable Accounting Rules for NPAs
- Write Offs
Business Impact –
Reduces credit risk and ensures regulatory compliance.
7. Reporting and Analytics
- Flexible and Configurable Alerts (400+ in-built alerts, can be defined at customer, counterparty and program level)
- Support for multi-lingual SMS and Email alerts
- Powerful Reports (140+ OOB reports, can be configured at customer, counterparty and program level)
- 140+ out of the box reports that can be configured at customer, counterparty and program level.
- Support for FX Reporting for regulatory purposes
- AI Insights (AI powered insights at program, buyer performance, early warning signals for the program and counterparty risks)
Business Impact –
Data-driven decision making and increased wallet share through client intelligence.
Why Banks Choose Intellect for Supply Chain Finance
M-Aware, Automated Operations. Cognitive Insights. Hyper Scale
8 SCF Digital Experts Powered by Purple Fabric AI
AI-native intelligence embedded across your entire supply chain finance operation.
Purple Fabric is eMACH.ai's embedded AI layer—8 specialized SCF Digital Experts working together, powered by the Enterprise Knowledge Garden and governed by enterprise-grade controls.
Onboarding Expert
Educates suppliers/dealers on program benefits. Assists with KYC documentation. Credit assessment support. Reduces onboarding from weeks to days.
ESG & Compliance Expert
Evaluates ESG performance. Assigns sustainability ratings. Enables green factoring. TBML/sanctions checks built-in.
Participation Expert
AI-based outreach campaigns. Enhances program activation rates. Identifies non-participants. Benchmarks against industry metrics.
Instrument Expert
Auto-extracts POs/invoices with 90%+ accuracy. Simplifies finance request creation. Auto-matching across systems. 80% less manual entry.
Bank Operations Expert
Highlights payment delays/mismatches. Simplifies reconciliation reporting. 99%+ straight-through processing. Identifies operational bottlenecks.
Early Warning & Risk Expert
Monitors internal/external signals. Flags defaults early. Tracks anchor financial health. Proactive risk mitigation.
Conversational Expert
Natural language queries for insights. Self-service reporting. 40%+ reduction in call center volume. 24/7 availability.
Relationship Management Expert
Proactive customer insights. Cross-sell opportunities. Program scaling recommendations. Benchmarking data. High-potential identification.
Frequently Asked Questions
What SCF products are supported ?
How does dynamic discounting work ?
Dynamic discounting allows buyers to earn 10-12% APR by paying suppliers early. Unlike outsourced fintech solutions, Intellect eMACH.ai SCF provides an owned platform where buyers can deploy their own balance sheet capital to unlock working capital while achieving returns that outperform traditional hurdle rates. Suppliers get early payment, buyers earn yield.
How quickly can we onboard new anchor clients in the supply chain finance program ?
Through our self-service eMACH.ai SCF Digital Engagement Platform portal and AI-first onboarding, onboarding can happen in minutes vs. days, enabling rapid scale.
How does the platform handle global multi-currency operations ?
The M-Aware framework natively supports multiple currencies with real-time FX integration to manage cross-border transaction needs.
Can we automate the financing approval process ?
Yes. Banks can define Auto-Finance parameters for specific anchors and counterparties, enabling automatic disbursement based on pre-approved criteria. One can define automation rules at program, anchor and counterparty level.
Does the solution integrate with our legacy core banking and payment systems ?
Absolutely. All the Integrations with the downstream enterprise systems are designed and built on the Intellect’s iTurmeric Composability and Integration platform, we have pre-built connectors for systems like Finacle, Flexcube, and T24 to ensure seamless data flow.
How does the AI improve operational efficiency in the supply chain finance context ?
Our Digital Experts automatically classify documents (POs, Invoices) and extract structured data with 90%+ accuracy, reducing manual data entry by 80%.
How does the platform handle risk management ?
The eMACH.ai SCF product has a sophisticated credit limits management module covering primary and secondary risks with n-level hierarchical monitoring.
Its supports a wide range of credit limits checks across revolving or fixed credit, secured & unsecured limits, funded & non funded limits.
Does the platform support in-built fees and charges ?
Yes, the eMACH.ai SCF product has an inbuilt advanced pricing engine, one can configure complex charge codes and pricing rules linked to specific events like disbursement or repayment.
What is the typical deployment timeline for a new market ?
Implement the eMACH.ai SCF platform in your primary market. launch payables finance, receivables discounting, dynamic discounting.
Add new countries by configuration, not custom development. new countries—suppliers onboard in local language, local currency.
Delivering Tangible Impact Across Global Banks
Bank A
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Bank B
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Bank C
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Recognized Excellence
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