Supply Chain Finance Stack for Anchor-Led Lending
Supply chain finance isn't just about disbursing against invoices it's about managing anchors, dealers, vendors, and settlements across hundreds of counterparties at once. Crego's SCF stack gives you a configurable LOS, rules-driven disbursement, and a dynamic LMS built for real-world invoice financing.
Built for the Real-World Complexity of Supply Chain Finance
SCF programs involve more moving parts than standard lending, anchors, counterparties, invoices, and multi-party settlements. These are the capabilities that hold it all together.
Anchor-Driven Programs
Structure your SCF programs around anchor entities and manage their complete counterparty network dealers, vendors, sub-dealers with product configurations and credit limits defined at each relationship level.
Counterparty Risk Management
Set and monitor exposure limits not just at the program level but at the individual counterparty level. Know exactly how much is outstanding against each dealer or vendor at any point, and enforce limits automatically before disbursement.
Invoice-Based Financing
Every drawdown is tied to a verified invoice. The system manages eligibility checks, discount calculations, factoring logic, and repayment workflows anchored to invoice status not just loan tenure.
Multi-Party Accounting
Handle complex settlement flows between anchors, dealers, lenders, and co-lenders without manual reconciliation. Every financial event is posted against the right party automatically, keeping your books clean across all relationships.
GL-Level Controls
Enterprise-grade general ledger integration and reconciliation built into the platform. Define financial components per product, configure posting logic, and maintain audit-ready records across every SCF transaction.
Configuration Over Code
Launch new SCF programs, dealer finance, vendor finance, PID, SID through configuration, not development. Different anchor programs can have their own rules, limits, and disbursement logic without any custom engineering.
Every SCF Program Type, One Platform
From invoice discounting to dealer finance to factoring Crego supports the full range of anchor-led SCF structures without building separate systems for each.
Invoice Discounting
Enable anchors and their counterparties to unlock working capital against verified invoices, with automated eligibility checks, discount calculations, and settlement workflows managed end to end.
Dealer Financing
Build dealer-level financing programs with anchor guarantees, channel-based credit limits, and inventory-linked disbursements — structured to match how dealer networks actually operate.
Anchor-Led Programs
Configure multi-tier anchor programs with hierarchical credit limits, sub-anchor management, and consolidated reporting across the full counterparty network under one program structure.
Factoring and Forfeiting
Support recourse and non-recourse financing arrangements, with assignment workflows, credit document integration, and buyer risk management built into the origination and disbursement flow.
Vendor Finance
Enable suppliers to get paid early while buyers retain their credit period — with the platform managing the tripartite settlement between vendor, anchor buyer, and lender automatically.
Co-Lending SCF Programs
Run SCF programs co-financed by multiple lenders, with limit sharing, repayment splitting, and settlement reconciliation handled at the transaction level for each co-lender.
The Scenarios SCF Lenders Actually Face
High counterparty volumes, invoice-linked disbursements, anchor settlements these are the problems Crego's SCF stack is specifically built to solve.
Managing a Multi-Dealer Network
An anchor manufacturer has 300 dealers across regions, each with different credit limits and repayment cycles. Crego manages every dealer account independently disbursements, outstanding tracking, repayment collection, and overdue escalation all linked back to the anchor program.
Invoice-Linked Drawdown Processing
A vendor submits an invoice against a buyer anchor. The system validates the invoice, checks counterparty limits, calculates the applicable discount, and processes disbursement without the lender's ops team manually reviewing each transaction.
Anchor Settlement and Reconciliation
At month end, the anchor needs a consolidated view of all outstanding drawdowns across its dealer network. Crego generates the settlement statement automatically, with every invoice, drawdown, repayment, and outstanding amount reconciled per counterparty.
Sub-Program Configuration for Different Segments
A lender runs dealer finance for a large anchor but needs separate configurations for large dealers vs. small retailers different tenures, different limits, different interest rates. Sub-programs on Crego make this possible without building separate products.
Counterparty Limit Breach Prevention
Before processing a new drawdown, the system checks the counterparty's current utilization against their approved limit and blocks disbursement automatically if it would result in a breach protecting the lender from inadvertent overexposure.
NPA Recovery on SCF Drawdowns
When an invoice-linked drawdown crosses 90 DPD, the system classifies it as NPA, switches the repayment waterfall to principal-first recovery mode, and escalates the account for collections all without manual classification by the operations team.
Frequently Asked Questions
Find answers to common questions below.
Ready to Modernize Your Loan Servicing
From repayment scheduling to collections and closures, manage the entire post-disbursal lifecycle on a single platform.