B2B Embedded Finance

Drive business with hassle-free Embedded Channel Financing to improve your liquidity and cash flow predictability while minimizing customer default risk

B2B Embedded Finance

Drive business with hassle-free Embedded Channel Financing to improve your liquidity and cash flow predictability while minimizing customer default risk

B2B Embedded Finance

Drive business with hassle-free Embedded Channel Financing to improve your liquidity and cash flow predictability while minimizing customer default risk

Trusted by top brands

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For Corporates:

Enhanced liquidity to drive increased business volumes

Faster payment cycles reduce DSOs and lower the cost of working capital

Lowers credit risks and better cash flow visibility

Integrated platform with seamless business workflows

Builds stronger distributor relationships

For Borrowers:

Easy access to dealer financing — Select from Anchor-linked or Direct Financing Options

Maintain or extend credit period and still avail cash discount benefits

Enhanced dealer liquidity to grow business volumes

Choose to finance with best-in-industry credit terms from our pool of leading Banks and Lenders

An integrated platform enables seamless borrowing and repayment

For Lenders:

Get access to a rapidly growing pool of 50,000+ validated dealers on our AR Platform

Onboard customers quickly based on business volumes, payment trends and credit scoring indicators

Ensure payment control and auto-reconcile once the loan is on repayment

Embedded digital dunning to ensure loans are paid on time every time

Support for back-stop options to lower borrower default risk, e.g., order stoppage

Benefits

50,000+

$4.4Bn+

20%+

15+

Trusted by over 1K+ happy customers

50,000+ growing dealer pool with access to channel financing

$4.38 Bn invoices value available for dealer financing

20% decrease in DSOs – Get paid early to improve cash flow in your business today

15+ Industries – Cater to industry-specific use cases across 15+ industries with active adoption by several dealers

Frequently Asked Questions

What is Channel Financing?

Channel financing is a payment mechanism that immediately realizes sale proceeds to the supplier, making it a cash sale. It’s a funding mechanism by which a financial institution provides short-term working capital facilities to the supply chain stakeholders.

Why should I choose Channel Financing from PayEX for my Business?

Our Channel Financing helps corporates to facilitate dealer financing for their dealers/distributors via multiple lending partners and digital acquisition, onboarding and transaction flows. Global PayEX’s Channel financing suite increases productivity, accelerates revenue, lowers cost, enhances transparency, and predicts working capital cycles to benefit all stakeholders.

Who will be the Lending institution in Channel Financing?

Global PayEX has partnered with leading Banks and NBFCs to offer best-in-industry credit terms – offering a low-interest rate and an incremental credit limit. At PayEX, we evaluate the anchor profile and introduce the best lender match for catering to the financing needs of the anchor’s distribution network.

Are these secured or unsecured loans?

Dealer financing is primarily driven by our partner lenders (Banks / NBFCs). Mostly these are unsecured loans. However, depending on the risk involved, the lender may request a ‘stop supply’ clause to cushion the loan against defaults.

What is the rate of interest in dealer financing?

The rate of interest offered to borrowers depends upon the entity’s creditworthiness. The borrower’s credit limit and interest rate are ascertained based on the credit rating issued by an accredited rating institution.

What role does Global PayEX play in Channel / Dealer Financing?

Our platform digitally connects the lender and borrower through direct or consent-based modules to ensure timely payments, reduce DSOs and improve distributor relationships for our clients. Our AI technology aids in extracting dealer-wise invoice data from the anchor’s ERP, presenting it for payment to the dealer using Channel Financing as a payment option, followed by a digital dunning process for ensuring repayment of the loan.