Extend payment terms, preserve liquidity, and support supplier stability with a flexible supply chain finance solution designed for buyers.
Supply chain finance doesn’t just improve cash flow—it builds resilience. By ensuring suppliers have reliable access to capital and buyers can optimize working capital, businesses create a more stable, scalable, and efficient supply chain that drives long-term success.
Get suppliers paid early without impacting your cash flow.
Improve supply chain efficiency with a steady, predictable cash flow.
Bring supply chain finance into your existing ERP workflows. Simplify program management and gain greater visibility into funding activity within Microsoft Dynamics 365.
See how modern Supply Chain Finance models are reshaping working capital strategies.
Extend payment terms without putting pressure on your suppliers. eCapital Supply Chain Finance helps you preserve liquidity while giving participating suppliers the option to receive early payment on approved invoices.
Supply Chain Financing (SCF) is a set of financing solutions that optimize cash flow for both buyers and suppliers by leveraging the strength of the buyer’s credit profile. Typically initiated by the buyer, SCF allows suppliers to get paid early by a third-party funder, while the buyer extends their payment terms—improving working capital for both sides.
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eCapital FastTrack® provides a centralized platform for managing supply chain finance programs, giving buyers visibility into funding activity, supplier participation, and payment status.
Designed to meet the dynamic needs of growing businesses, FastTrack empowers buyers to extend payment terms, support supplier liquidity, and optimize working capital through a centralized, intuitive platform.
With real-time visibility, flexible funding options, and automated transaction management, FastTrack streamlines the entire finance workflow, helping businesses improve liquidity, strengthen supplier relationships, and scale with confidence.
With no-code, SFTP, and API data integration options we simplify the implementation process so you can accelerate your launch date and get started in a matter of weeks instead of months.
Supplier enrollment is a breeze, they can enroll in 2 minutes without invasive background checks, complicated liens, or personal information. We’ll verify their bank and that they’re an authorized supplier and they are ready to start accessing on-demand payment.
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
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Supply Chain Finance is a buyer-led financing solution that allows suppliers to receive early payment on approved invoices, while the buyer extends their payment terms. It improves working capital for both parties and strengthens supply chain relationships.
Once a buyer approves a supplier’s invoice, a third-party funder (like a specialty lender or fintech platform) pays the supplier early—often within days. The buyer then repays the funder at the agreed-upon, extended due date. This creates a win-win: suppliers get paid faster, and buyers keep their cash longer.
Extended payment terms without straining supplier relationships
Improved cash flow and Days Payable Outstanding (DPO)
Strengthened supplier loyalty and supply chain resilience
Potential for supplier discounts through early payment options
Faster access to cash, often within 1–3 days of invoice approval
Improved liquidity without taking on debt
Lower-cost financing based on the buyer’s credit, not their own
Increased predictability in cash flow and payment cycles
SCF is ideal for mid-size to large buyers with strong credit and significant supplier networks, and for suppliers who want to access working capital quickly without borrowing against their own credit.
Not necessarily. SCF is designed to enhance—not disrupt—supplier relationships. Participation is usually voluntary for suppliers, and buyers can roll it out selectively across their vendor base.
For suppliers, SCF typically does not appear as debt since they’re receiving early payment for an approved invoice. For buyers, it’s often treated as a trade payable rather than financial debt, depending on how it’s structured and accounted for.
