Products · SCF

Supply Chain Finance.

Working capital that moves with the supply chain. PhotonMatters enables structured, anchor-led and ecosystem-integrated financing across the entire supply chain, with real-time decisioning, document intelligence and repayment automation.

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Financing for the whole supply chain.

Invoice Discounting

Advance payment on raised invoices to improve supplier cash flow.

Ticket size: $5,000 to $500,000
Repayment: At invoice maturity, by buyer
Use case: Post-shipment liquidity for vendors
Validation: Invoices via OCR + GST / B2B APIs

Why PhotonMatters

Why PhotonMatters for supply-chain finance.

Multi-party loan journeys (anchor–borrower–lender)

Custom risk rules per anchor, PO or invoice

Document intelligence for invoices, POs & delivery notes

Automated repayments via wallets or escrows

Fully API-ready for ERP, GST & supply-chain integrations

Fast go-live: deploy new programs in 6–8 weeks

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Digitize your supply-chain financing.

Design, launch and manage anchor-led programs your way, API-first, AI-native and live in 6–8 weeks.

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Core Commercial Lending

Term loans, working capital and asset finance.

Micro Lending

High-volume, low-value lending, fully automated.