Vayana

Vayana is an Indian trade credit infrastructure company incorporated in Pune in 2016. It connects corporates, their suppliers and dealers with banks and NBFCs so that MSMEs deep in a supply chain can obtain short-term trade credit priced largely on the anchor buyer’s risk rather than their own, and describes itself as India’s largest supply chain finance platform.

The network digitally authenticates buyer-seller transactions and runs financing programmes: payables programmes (vendor financing, purchase bill discounting, reverse factoring), receivables programmes (dealer financing, receivables financing, factoring, trade receivables securitisation) and post-shipment export finance. For financial institutions it supplies cloud infrastructure — loan origination, transaction platform and limit management. Vayana is also a GST Suvidha Provider, having processed over 11 billion GSP API calls, which ties e-invoicing and tax data to credit decisions. It reports US$62bn+ of financing facilitated, 3,000+ supply chains, 1,500+ corporates, 400,000+ MSMEs, 20+ bank and NBFC partners and 600+ Indian cities, with offices in India, the USA and the UAE.

1. Payables programmes: vendor financing, purchase bill discounting and reverse factoring underwritten on the anchor buyer's credit.

2. Receivables programmes: dealer financing, receivables financing, factoring and trade receivables securitisation.

3. Infrastructure for financial institutions: cloud loan origination, transaction platform and limit management systems.

4. GST Suvidha Provider: more than 11 billion GSP API calls processed, linking e-invoice and tax data to credit decisions.

5. Cross-border: post-shipment export financing and a trade finance marketplace alongside domestic programmes.

6. Scale: US$62bn+ financing facilitated across 3,000+ supply chains, 400,000+ MSMEs and 600+ Indian cities.