World’s Best Supply Chain Finance Providers 2025

Supply chain finance boosts resilience, liquidity, and ESG objectives amid deglobalization and technological shifts.

Because the world edges towards an age of deglobalization, provide chain finance (SCF) is more and more seen as a strong instrument for enhancing provide chains’ resilience and adaptability.

The knock-on results of provide chain uncertainties brought on by geopolitical tensions and regional conflicts demand that companies undertake versatile financing constructions capable of soak up shocks and mitigate danger.

By offering speedy money circulation, SCF helps suppliers keep away from the pitfalls of conventional loans that may be difficult to safe throughout financial downturns. SCF additionally ensures that smaller suppliers stay dedicated and keep regular manufacturing and supply schedules. Moreover, SCF makes money circulation extra predictable, aiding in higher emergency planning. SCF is important for companies aiming to construct dependable and resilient provide chains. It additionally boosts adaptability and maintains stability in difficult markets.

A dependable and resilient provide chain is crucial for enterprise continuity and success. SCF additionally helps patrons and sellers mitigate the influence of excessive rates of interest—offering welcome aid from the rising value of producing items.

In response to a report printed by market analysis and consulting agency IMARC Group, the worldwide SCF market reached $7.5 billion in 2024 and is anticipated to succeed in $15.2 billion by 2033 as financial and geopolitical pressures reshape how companies method working capital and financing.

As deglobalization reorganizes established commerce routes, extra regional commerce networks are created. Along with reshoring and nearshoring, there was a pattern towards diversification, the place corporations supply from a number of suppliers in several areas to attenuate reliance on any single supply.

This has led to a rise in deep-tier provide chain finance (DTSCF), typically enhanced by blockchain and good contracts. In DTSCF, massive firms prolong financing past their speedy tier 1 suppliers to these suppliers’ suppliers (tiers 2, 3, and past). Implementing DTSCF might be extra advanced than conventional SCF as a result of elevated variety of events concerned and the necessity to observe funds throughout a number of tiers. It requires correct knowledge, sturdy know-how, and thorough danger evaluation, essential to making sure the creditworthiness of suppliers in any respect ranges.

Monetary establishments can higher perceive the chance profiles of small suppliers by leveraging various knowledge and machine studying, thus increasing entry to financing. Customary Chartered has partnered with Chinese language fintech Linklogis to develop the SCeChain platform, which facilitates DTSCF. The platform is designed to attach companies throughout the provision chain and supply financing choices to suppliers at a number of tiers.

SCF is usually a lifeline for small and midsize enterprises (SMEs) to handle liquidity wants, that are extra acute throughout unstable occasions. It allows SMEs to obtain early funds on their receivables. This has additionally led many banks to take part in third-party platforms centered on micro, small, and midsize enterprise (MSME) finance. DBS Financial institution India, for instance, launched a preshipment-financing providing on India’s Commerce Receivables e-Discounting System to assist with end-to-end MSME provider financing. This providing allows safe funding in opposition to buy orders from patrons and streamlines money flows.

SCF can also be a strong instrument that encourages suppliers to enhance their environmental, social, and governance (ESG) efficiency all through the chain—rewarding suppliers who reveal sturdy ESG efficiency with preferential pricing, early cost reductions, and entry to unique applications. This can be a win-win for all, together with the long-term sustainability and resilience of the provision chain itself.

Santander’s 50 million Brazilian actual ($8.3 million) sustainability-linked SCF (SLSCF) program for Danish wind turbine producer Vestas’ international provide chain is a notable instance of how collaboration and know-how can encourage ESG all through the provision chain. “Santander performs a pivotal position by leveraging superior know-how to drive effectivity and transparency,” explains Enrique Rico, international head of Commerce and Working Capital Options at Santander. “By way of a market-leading provide chain finance platform, collaborations with third events, and technical help for suppliers, amongst different technological integrations and collaborative efforts, Santander ensures that Vestas’ SLSCF program operates effectively, transparently, and sustainably, setting a benchmark for combining monetary incentives with ESG goals.”

Corporations should be strategic, adaptable, and open to embracing technological improvements on this evolving provide chain surroundings. From digital commerce paperwork that improve the pace at which SCF programs can unlock liquidity, to utilizing synthetic intelligence to streamline processes and facilitate the digital onboarding of suppliers, these improvements assist make SCF extra accessible to all.

Know-how can enhance provide chain visibility and responsiveness, essential as companies construct resilient provide chains to make sure enterprise continuity and mitigate the dangers related to a extra localized or regionalized manufacturing mannequin.

International Winners

Best Supply Chain Finance Supplier—Financial institution

Societe Generale

The French banking big Societe Generale provides a brand new workflow that features exterior knowledge and higher analyzes shoppers’ working capital wants. The providing additionally consists of a peer comparability of key receivables and payables financing components. Societe Generale provides an environmental, social, and governance (ESG) model of the financial institution’s full vary of options, together with inexperienced or social-focused merchandise similar to factoring, forfaiting, and sustainability-linked provide chain financing (SCF). Societe Generale additionally provides a devoted and simplified resolution to retail shoppers or small and midsize enterprises (SMEs) primarily based on their ESG score. Lastly, establishing connectivity to CRX Markets improves help for Societe Generale’s largest shoppers to assist develop the financial institution’s SCF applications.

Best Supply Chain Finance Supplier—Non-Financial institution

PrimeRevenue

PrimeRevenue processes over $300 billion in cost transactions yearly, working in 102 international locations and serving greater than 50,000 corporations worldwide. Backed by 87 funding companions and with over 57,000 suppliers enrolled, PrimeRevenue’s platform provides complete cost choices that assist companies throughout the provision chain optimize working capital, effectively fund strategic initiatives, achieve a aggressive edge, and strengthen relationships all through the provision chain. Suppliers can immediately observe bill funds and upcoming cost totals for improved forecasting. PrimeRevenue additionally provides end-to-end cost automation, from bill uploads and remittance-advice experiences to buying and selling of particular invoices for early cost, and immediate visibility into cost standing.

Best Buyer Implementation

Santander

Santander loved a bumper yr of buyer implementations in 2024, together with a landmark mandate for as much as €1 billion (simply over $1 billion) for an SCF facility with a big European know-how, media, and telecom firm. A multinational agricultural firm mandated Santander to deploy a world SCF program in a number of areas. This system, which spans 10 international locations, represents a complete facility of $2 billion and presently channels over $17 billion in multicurrency funds throughout varied shopping for entities, encompassing greater than 500 suppliers worldwide.

Best Dynamic Discounting Answer

MUFG

In contrast to different banks that outsource dynamic discounting to a fintech, MUFG owns and operates a processing platform for buyer-led SCF, seller-led receivables finance, and dynamic discounting. Dynamic discounting options might help patrons earn a high-yield return on their extra money. MUFG says that shoppers who implement a dynamic discounting providing take pleasure in a typical common annualized yield of between 10% and 12% APR, considerably outperforming most inside funding hurdle charges or returns on short-term money.

Best Reverse Factoring System

Orbian

In 2024, Orbian launched its Cost with Phrases, a stability sheet enchancment resolution. Underneath Cost with Phrases, Orbian pays suppliers on the due date and provides the customer a cost time period (for instance, 60 days) for cost to Orbian. Such cost protects patrons’ liquidity and improves their working capital with out involving the provider. In a three-way reverse-factoring association between the customer, provider, and a monetary establishment, use instances embody the quickest working capital enchancment for patrons, with out involving suppliers; improved working capital with out adjustments to the procurement contract; and discount of the price of items bought by making the most of out there provides at a reduction whereas sustaining liquidity.

Best Sustainable Supply Chain Finance Program

Santander

In August 2024, Danish wind turbine producer Vestas mandated Santander Brazil to deploy a 50 million Brazilian actual ($8.3 million) sustainability-linked SCF (SLSCF) program, the primary of its form for Vestas globally. “This program is a groundbreaking method to integrating monetary mechanisms with sustainability objectives,” states Enrique Rico, international head of Commerce and Working Capital Options at Santander. “By combining monetary incentives with a structured pathway to enhance ESG efficiency, Vestas’ SLSCF program helps suppliers in adopting sustainable practices and aligns with its broader company sustainability objectives. It contains integrating ESG rankings, linking monetary incentives, and implementing a tiered low cost construction for financing charges. It additionally acknowledges the distinctive challenges SMEs face and encourages ongoing enchancment primarily based on annual evaluation.”

Regional Winners

Africa

Customary Financial institution

Customary Financial institution has SCF platform collaborations with Addendum Monetary Applied sciences, Taulia, and most lately, DP World. Customary Financial institution has funded SCF transactions of greater than 20 billion South African rands (about $1.1 billion), supporting small to midsize suppliers whereas selling gender equality, monetary inclusion, and variety. Customary Financial institution has developed and rolled out ESG SCF capabilities within the South African market, together with an ESG performance-based method and a sustainable social and environmental SCF (use of proceeds) method to align with shoppers’ sustainability objectives. This allowed Customary Financial institution to execute the primary sustainable SCF facility and inexperienced assure in South Africa, for China Nationwide Constructing Materials and Raubex Group, with whole funding of 650 million rands and a assure facility of 500 million rands, respectively.

Asia-Pacific

ANZ

Supply chain options, together with receivables and payables-specific merchandise are enhanced by rising applied sciences to assist scale back prices and make provide chains extra sustainable and resilient. ANZ Commerce and Supply Chain Operations has a geographical presence throughout Australia, New Zealand, Asia, Europe, the Americas, and the Pacific and has a presence in 42 areas throughout 27 international locations. Notable SCF achievements in 2024 embody a reimbursement facility granted to the Singapore buying and selling arm of a world commodity dealer, a digital receivable finance program for a number one know-how firm, and a partnership with a number one know-how firm to ship the primary sustainability-linked payables facility backed by ANZ in China.

Caribbean

Banreservas

Banreservas grew its factoring portfolio by 63.5% in 2024 over the earlier yr. The financial institution additionally launched “Factoring Gubernamental Reservas,” a authorities factoring initiative wherein prospects can speed up the cost of their invoices to supply liquidity to the SMEs supplying state-owned corporations.

Central And Jap Europe

TBC Financial institutiona

Whereas its market share is 74% in Georgia, TBC Financial institution financed a considerable nationwide mission from 2023 to 2024 to put in and modernize pure gasoline infrastructure. Throughout this effort, contractors confronted money circulation deficits and waited as much as a yr to be paid for accomplished work. TBC Financial institution analyzed the mission and supplied factoring as an answer, taking the chance off the debtor. TBC Financial institution additionally launched a web-based, end-to-end SCF and factoring platform.

Latin America

BBVA

BBVA has been offering native SCF options in Latin America, together with Mexico, Peru, Colombia, and Argentina, since beginning in Mexico greater than 15 years in the past. The financial institution provides its main SCF applications in Mexico, Peru, and Colombia. In October 2020, BBVA introduced its brand-new international SCF platform. The cloud-based platform gives probably the most aggressive funding, a standardized contract method, a supplier-onboarding instrument, and a centralized view of all the businesses’ applications and suppliers in all areas and currencies concurrently.

Center East

Emirates NBD

Purchasers have taken up the digital-onboarding proposition for last-mile suppliers supplied by Emirates NBD. The platform, smartSCF, lets suppliers handle their accounts receivable workflows; and the customer’s accounts payable perform manages payables by routinely matching credit score notes in opposition to invoices. The platform additionally gives multichannel entry, together with Swift and host-to-host. A sustainable provide chain program permits shoppers to affect suppliers to undertake sustainable processes. Emirates NBD has developed the platform to digitalize and streamline receivable finance and SCF product choices and is the primary financial institution within the area to supply dynamic discounting.

North America

MUFG

MUFG, one of many largest SCF suppliers within the US, has a 15.1% pockets share amongst massive firms. Final yr, the financial institution distributed greater than $25 billion in SCF belongings throughout a number of investor banks and monetary establishments. The financial institution has 5 regional working facilities within the US and providers greater than 500 patrons and sellers and 41,000 suppliers in 42 international locations.

Western Europe

Societe Generale

Societe Generale is the main SCF supplier within the Belgium, Netherlands, and Luxembourg area when it comes to the quantity and quantity of present applications. The financial institution continues to broaden its footprint within the UK, Germany, France, Italy, Spain, Switzerland, the Nordic international locations, the US, and the Asia-Pacific area.