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Working Capital Optimization Made Easy

Oracle Banking Supply Chain Finance is a comprehensive, digitized, end-to-end, front-to-back solution that supports the full lifecycle of supply chain finance and factoring across receivables and payables, offering supplier- and buyer-centric financing. Also available as a cloud service, it gives corporate banks the flexibility needed to help their clients optimize working capital and reduce transaction risk.

Working Capital Optimization Made Easy

Solution Overview

  • One-stop solution for factoring and supply chain finance funding structures
  • End-to-end coverage for bouquet of pre- and post-shipment supply chain finance products
  • Fully digitized counterparty enrollment’
  • Embedded machine learning (ML)
  • Robust risk management
  • Flexible deployment options: on-premises or Oracle Cloud

Product Features

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Single, Unified Supply Chain Finance and Factoring Solution

  • One-stop solution for a wide variety of financing options, including reverse factoring, supplier finance, payable finance, receivable finance, and more
  • Process automation for disbursement and repayment of the financing based on preconfigured parameters
  • Fully parameterized engine for auto reconciliation of outstanding invoices and finances with payments
  • Invoice and PO lifecycle management

Powered by Machine Learning

  • Automatic data capture from scanned invoices to reduce manual effort and time
  • Manual enrichment/correction of data to further train the machine learning model

Quick Counterparty Enrollment and Management

  • Specialized portal for counterparty enrollment
  • Easy upload of required KYC documents
  • Prebuilt approval and authorization flows for new counterparty onboarding requests

Smart Reconciliation

  • Parameter-driven reconciliation engine
  • Multiple reconciliation options: one-many, many-one, etc.
  • Invoice–payment reconciliation and finance-payment reconciliation
  • Generic reconciliation configuration based on first-in, first-out (FIFO), last in, first out (LIFO), highest amount, first out (HAFO), least amount, first out (LAFO) logic
  • Parameter-based decision making for autoliquidation of financed or nonfinanced invoices

Robust Risk Management

  • Supports various limit types, including credit cover, concentrate, advance payment , invoice , finance, recourse, and more
  • Pool-based limits definition for effective limit utilization/sharing between two different entities
  • Configurable dashboards, reports, and analytics for real-time exposure tracking and monitoring
  • Trade credit insurance based limits configuration for managing default risk
  • Dedupe checking to identify duplicate invoices and funding cap

Superior Omnichannel Experience

  • Self-service capabilities when paired with Oracle Banking Digital Experience
  • Web-based portal access for business partners
  • Streamlined, intuitive user interface

Instant Impact

  • Up and running in minutes with no upfront costs
  • Available from anywhere, anytime
  • Usage-based pricing—only pay for what you need
  • Autoscaling based on live usage

Always Modern

  • Always-on upgrades
  • Continuous enhancements
  • No programming customization; just configuration

Continuous Protection

  • Near-zero downtime for updates
  • Multiple availability domains for continuous operations
  • Faster time to resolution
  • World-class security and compliance