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    Supply chain finance

    Unlock growth across your value chain

    Improve liquidity and build resilience at every stage of your supply chain.

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Home > Corporate Investment Banking > Transaction Banking > Trade and Working Capital > Supply chain finance

All the supply chain finance solutions you need

Our comprehensive supply chain finance solutions enable you to unlock growth at every stage of your value chain – empowering you, your suppliers, your buyers, and your distributors to operate with confidence and resilience.

Create a digitally connected, financially resilient and efficient supplier ecosystem

Supplier Finance empowers your suppliers with faster access to cash once invoices are approved, leveraging your strong credit profile to unlock competitive funding rates. By strengthening supplier liquidity, it supports uninterrupted production cycles, enables growth ambitions and builds resilience during periods of demand fluctuation, market expansion or supply chain disruption.

Delivered through streamlined onboarding, dedicated Vendor Management Team (VMT) support and robust digital connectivity, our Supplier Finance solution delivers a scalable, end-to-end approach to optimising cash flow across your supplier ecosystem. Your suppliers also benefit from competitive multi-currency FX pricing, enhancing their ability to support you reliably across global and regional markets.

How Supplier Finance can help you
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For you (as the buyer)		Icon showing collaboration
For your suppliers
Optimise working capital – Unlock liquidity by stabilising or responsibly extending payment terms, without increasing balance-sheet debt.Access affordable liquidity – Accelerate payments at attractive rates by leveraging buyer’s strong credit standing.
Strengthen supplier resilience – Build a more stable, reliable supply chain by providing suppliers access to predictable, competitively priced funding.Reduce financing costs – Decrease reliance on expensive short-term borrowing while benefiting from competitive FX pricing.
Simplify payables operations – Reduce complexity with a single consolidated payment file covering all participating suppliers.Improve cash flow predictability – Gain earlier visibility into invoice approvals and payment timelines for efficient financial planning.
Minimise manual processes – Streamline workflows through seamless ERP integration via host-to-host connectivity or other digital channels.Increase operational flexibility – Choose automatic or on-demand early payment via Straight2Bank in their currency of choice.
Advance supply chain objectives – Support supplier diversification, sustainability goals and multi-market supplier development with confidence.Scale with confidence – Strengthen capacity to fulfil orders, support growth ambitions, and build resilient business.
 
Supplier Finance in action
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Use case 1

Stabilising supplier cash flow during demand volatility

Need: A manufacturer experiencing fluctuating orders sees suppliers  under liquidity pressure, increasing production and fulfilment risk.

Opportunity: Supplier Finance provides predictable early payment, helping suppliers maintain stability and continuity during periods of uncertainty.

Our solution:

  • Suppliers access early payment at attractive funding rates.
  • Working capital pressure eases, stabilising production schedules.
  • Supply reliability strengthens across the value chain.
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Use case 2

Supporting new and smaller suppliers to scale

Need: As a corporate diversifies its supply base, newer and emerging market suppliers struggle to meet growing volume expectations

Opportunity: Early access to liquidity enables suppliers to invest, build capability and deliver consistently.

Our solution:

  • Competitive funding enables consistent and reliable order fulfilment.
  • Supplier concentration risk reduces as resilience improves.
  • Dedicated onboarding accelerates participation acrossstrategic markets.

Use case 3

Reducing manual processing and reconciliation

Need: A multinational managing hundreds of suppliers faces fragmented, manual payables workflows that limit efficiency and visibility.

Opportunity: Supplier Finance centralises and digitises payables, streamlining end to end operations.

Our solution:

  • A single consolidated payment file simplifies processing.
  • Straight2Bank* reporting enhances transparency and cash flow forecasting.
  • Automated workflows reduce manual intervention across procurement and treasury.

*Straight2Bank is Standard Chartered’s award-winning digital platform for corporate transactional needs.

Grow sales, mitigate risk and build stronger channel partnerships

Distributor Finance provides working capital to your distributors and channel partners, enabling them to purchase more inventory, respond quickly to demand, and grow their businesses.

By leveraging your existing commercial relationship, the programme also improves liquidity and stability across your distribution network.

How Distributor Finance can help you
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For you (as the Anchor)		Icon showing collaboration
For your distributors
Ensure timely collections – Distributor finance helps ensure timely payments, improving your cash flows and liquidity.Improve cash flows – Access to additional working capital helps distributors manage cash flows constraints.
Increase sales – With access to financing, distributors can place larger orders and support your sales growth.Increase purchasing capacity – Distributors can buy more inventory and meet larger customer demand.
Strengthen channel relationships – Providing programmatic financing solutions strengthens partnerships with your distributors and supports long-term loyalty.Enhance competitiveness – Extended payment terms allow distributors to offer more attractive credit terms to their customers, helping them win more business.
Mitigate risk – The programme includes risk management measures that help lower non-payment risk and improve payment discipline.Access digitally enabled processes – Our digital channel simplifies financing requests and makes it easy to track payment due dates.
Distributor Finance in action
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Use case 1

Scaling in high-growth or emerging markets

Need: A global manufacturer expanding into high-growth markets finds distributors constrained by limited liquidity.

Opportunity: Distributor Finance increases distributors’ purchasing power to capture demand.

Our solution:

  • Distributors can hold more inventory to support expansion.
  • Competitive financing expands channel reach and availability.
  • The manufacturer benefits from more predictable downstream order flows.
Wealth Insights: Investing in commodities through currencies

Use case 2

Managing seasonal or uneven demand cycles

Need: A consumer-goods company faces inconsistent reorders during seasonal peaks.

Opportunity: Financing helps stabilise liquidity during period of high demand.

Our solution:

  • Distributors can build inventory ahead of peak seasons.
  • Seasonal demand fluctuations become easier to manage.
  • Stockouts and missed sales opportunities are reduced.
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Use case 3

Strengthening repayment discipline and collections

Need: A manufacturer experiences rising receivable days and inconsistent distributor payments.

Opportunity: Structured financing and repayment process improve cash flow predictability.

Delivery:

  • Overdue balances decrease as payment discipline improves.
  • Treasury gains better visibility over collections.
  • Channel relationships become more stable and accountable.

Strengthen liquidity, mitigate risk and boost sales expansion

Receivables Purchase allows you to convert invoices into immediate cash by selling them to Standard Chartered. This accelerates liquidity, shortens the cash conversion cycle and, in many cases, offers true sale treatment for balance sheet optimisation. It supports international expansion by reducing exposure to buyer and country risk while improving the predictability of cash inflows.

Through seamless digital submission, automated processing and Straight2Bank visibility, Receivables Purchase offers an efficient way to unlock working capital without increasing debt.

How Receivables Purchase can help you
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For you (as the seller)		Icon showing collaboration
For your buyers
Accelerate access to cash – Monetise approved receivables immediately to enhance liquidity.Improve collections efficiency – Benefit from structured workflows that support on-time settlement.
Support sales expansion – Earlier access to cash flow enables faster production cycles and greater capacity to fulfil growing demand.Access full-value financing – In selected cases, obtain financing for up to 100% of invoice value.
Enhance risk coverage – Reduce exposure to buyer non-payment and country risk through bank or insured structures.Operate seamlessly across markets – Leverage Standard Chartered’s global footprint and multi-currency capabilities.
Expand credit capacity – Increase the ability to sell into new or higher-risk markets without straining internal limits.Strengthen supplier stability – Improve supplier liquidity to support fulfilment and production continuity.
Improve liquidity planning – Predictable inflows support better treasury forecasting and decision-making.
Receivables Purchase in action
Weekly Market View: Tax cuts and trade deals

Use case 1

Unlocking liquidity during rapid expansion

Need: A company entering new markets faces long receivable cycles that restrict reinvestment into growth.

Opportunity: Receivables Purchase accelerates liquidity by monetising invoices.

Our solution:

  • Immediate access to working capital supports scaling.
  • Liquidity improves without increasing debt.
  • Faster cash conversion enables more confident expansion planning.
Global Market Outlook - Riding the tariff relief rally

Use case 2

Entering new or higher-risk markets confidently

Need: A business pursuing growth in emerging or higher-risk markets faces buyer and country credit constraints.

Opportunity: Receivables Purchase structures reduce exposure and expand credit capacity.

Our solution:

  • Buyer and country risk is mitigated.
  • Sales grow securely in new markets.
  • Treasury teams operate with greater certainty.
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Use case 3

Improving treasury predictability and planning

Need: A corporate with diverse buyers experiences inconsistent payment behaviours affecting forecasting.

Opportunity: Receivables Purchase stabilises inflows and improves insight.

Our solution:

  • Days Sales Outstanding is reduced.
  • Automated reconciliation improves accuracy.
  • Predictable inflows strengthen liquidity management.

Hear from our clients

We’ve been keeping trade moving around the world for more than 170 years. Discover below how our supply chain finance solutions have driven impact for our clients and enabled them to reach their goals.

  • Manufacturing process of optic fiber cables

    Ducab

    With an increasingly global footprint, UAE-headquartered Ducab has improved its liquidity position through a flexible receivables purchasing solution.

    Learn More
  • Metal construction worker

    POSCO

    Tailoring a multi-layered trade finance solution for a Korean steelmaker to combat FX risk, supporting global expansion.

    Download

Access solutions through our leading digital platform

Our award-winning platform Straight2Bank facilitates your access to our trade finance solutions, providing you with a fast, secure, and seamless experience.

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    Fast execution, real-time visibility

    Initiate and manage trade transactions, with real-time insights, enabling improved decision making.

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    Simplified access to trade finance

    Access a suite of trade finance solutions easily and on-demand, reducing complexity.

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    Top-tier security

    Benefit from robust security and compliance to protect transactions and data from risks.

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