Challenges Importers Face
Financing adds debt, straining leverage ratios.
Importers miss out of Arbitrage benefits.
Delayed payments erode supplier trust.
Cross-Border supplier management is fragmented, opaque.
How does Reverse Factoring or Buyer-Led Supplier Financing work?
Receivable Purchase Agreement (RPA) signed by the overseas suppliers
Buyer uploads accepted invoice & standard trade documents (STD)
Invoice and STD are verified by Vayana TradeXchange
Financiers bid on the platform to fund the invoice
Buyer signs the Notice of Assessment (NOA) & Irrevocable Payment Undertaking (IPU)
Financier disburses part funds to the supplier’s account
Buyer repays the Financier on the due date
Transaction is closed
Key Features
Digital upload of standard trade documents
Access to multiple Financiers through a single platform
Competitive financing through transparent bidding
Fully digital transaction
lifecycle
Real-time transaction tracking & status updates
Benefits for Importer
Better Working Capital Management
Extended payment terms from the Financier helps fund growth and pay back on time
Low Cost of Finance
Transparent bidding mechanism helps avail funds in the currency of invoice, at a lower cost
No Hedging Costs
No conversion cost incurred as payments are made in the currency of invoice
Improved Relationships
Timely payments strengthen supply chain relations with long term commitments
One-time Agreement with VTX
One-time Agreement with VTX removes the hassle of being locked in bilateral agreements with multiple Financiers
Seamless Digital Process
VTX platform reduces paperwork, ensures quick disbursement of funds and optimizes credit costs
Ready to Scale Your Imports?
Speak to usPermissible Activities stated in ITFS Guidelines IFSCA-FCR0FCR/3/2023-Banking/2024-25: December 23, 2024 (Updated as on April 11, 2025)