Best supply chain finance platforms (2026)

The best supply chain finance platforms let suppliers get paid early on invoices their buyer has approved, while the buyer keeps or extends its payment terms. Here are 11 in 2026: three each from the US and the UK, four TReDS platforms from India, and one from Australia. Every fact below comes from the vendor’s own site.

The list is grouped by market, not ranked, because the first question is whether a platform works where your suppliers are: the local rules, the funders it can reach and how your suppliers want to be paid. After that, it comes down to who pays and how fast.

At a glance

11 tools, grouped by market and not ranked. No vendor paid to be listed, and Zeroic isn't affiliated with any of them. Links and prices checked on October 10, 2026, from each vendor's own site.

Tool	Best for	Pricing
United States
C2FO	Suppliers to large buyers, and buyers running early-pay programs	Suppliers set their own discount rate; no fees
PrimeRevenue	Large buyers extending payment terms across many funders	On request
SAP Taulia	Enterprises on SAP ERP or SAP S/4HANA	On request
United Kingdom
Orbian	Global buyers that want SCF without suppliers signing contracts	On request
Oxygen Finance	UK councils and public bodies paying many small suppliers	On request
Kriya	UK suppliers that want to fund invoices without their buyer running a program	On request
India
RXIL	MSME suppliers and the corporate buyers they sell to	On request
M1xchange	MSMEs selling to large corporates and public sector buyers	On request
Invoicemart	Corporates and CPSEs paying MSME vendors through TReDS	On request
KredX	Suppliers and buyers in India that also trade cross-border	On request
Australia
Earlytrade	Builders, head contractors and enterprise buyers paying subcontractors	On request

United States

C2FO

Best for suppliers to large buyers, and buyers running early-pay programs · US

Early payment platform where suppliers get approved invoices paid early by large buyers, at a discount rate they choose.

• Paid early in as little as 24 hours, in two clicks
• Suppliers pick which invoices, the discount rate and the payment date
• Says there are no contracts and no fees for suppliers

C2FO pricing: Suppliers set their own discount rate; no fees (pricing page)

PrimeRevenue

Best for large buyers extending payment terms across many funders · US

Supply chain finance, dynamic discounting and receivables finance on one platform that connects to a buyer's ERP and banks.

• Multi-funder platform, integrated with your ERP
• Supplier support in 30+ languages
• Receivables finance pays suppliers in as little as 24 hours, with no buyer disclosure required

PrimeRevenue pricing: On request (pricing page)

SAP Taulia

Best for enterprises on SAP ERP or SAP S/4HANA · US

SAP's working capital platform for payables, receivables and inventory, with supply chain finance and dynamic discounting.

• Multifunder network of over 40 global financial institutions under one agreement
• Says it is free for suppliers, with no registration fees
• Integrates within SAP ERP and SAP S/4HANA

SAP Taulia pricing: On request (pricing page)

United Kingdom

Orbian

Best for global buyers that want SCF without suppliers signing contracts · UK

Payables platform that pays a buyer's suppliers early through supply chain finance, funded by its own pool of banks.

• Founded by SAP and Citibank in 1999
• No setup costs, transaction fees or account fees
• Suppliers get paid early without selling or assigning receivables, and never open new bank accounts

Orbian pricing: On request (pricing page)

Oxygen Finance

Best for UK councils and public bodies paying many small suppliers · UK

Early payment programs for UK public bodies that pay suppliers ahead of terms in return for a discount the buyer controls.

• Clients range from unitary councils to London Boroughs, County Councils and NHS Wales Source
• Approved supplier under NEPO Framework Agreement NEPO521 Source
• FreePay program pays micro suppliers early at no charge Source

Oxygen Finance pricing: On request (pricing page)

Kriya

Best for UK suppliers that want to fund invoices without their buyer running a program · UK

UK invoice finance, PayLater and business loans, so suppliers can draw down funds against their trade invoices.

• Advances up to 90% of an invoice within 24 hours Source
• Says your client won't hear from it; you keep control of collections Source
• Launched in 2012 and now part of Allica Bank

Kriya pricing: On request (pricing page)

India

RXIL

Best for MSME suppliers and the corporate buyers they sell to · India

TReDS platform where MSMEs sell invoices raised on corporate buyers to banks and other financiers that bid for them.

• Set up by SIDBI and NSE in December 2014
• Covers invoice discounting and factoring between buyers, sellers and financiers

RXIL pricing: On request (pricing page)

M1xchange

Best for MSMEs selling to large corporates and public sector buyers · India

RBI-licensed TReDS platform where MSMEs upload approved invoices and take the best offer from competing financiers.

• Network of 81+ financiers
• Non-recourse funding in 24 hours
• Says more than 15,000 corporates use it

M1xchange pricing: On request (pricing page)

Invoicemart

Best for corporates and CPSEs paying MSME vendors through TReDS · India

RBI-approved TReDS platform from Axis Bank and mjunction that connects MSME suppliers with corporate buyers and financiers.

• Paid within 24 hours of accepting the best bid
• Credit cycles of up to 180 days for buyers
• API integration with client ERP systems

Invoicemart pricing: On request (pricing page)

KredX

Best for suppliers and buyers in India that also trade cross-border · India

RBI-licensed TReDS platform for invoice discounting, where multiple financiers bid on suppliers' invoices.

• Collateral-free access to funds
• Also runs an IFSCA-licensed ITFS platform for import-export financing

KredX pricing: On request (pricing page)

Australia

Earlytrade

Best for builders, head contractors and enterprise buyers paying subcontractors · Australia

Early payment platform where buyers and suppliers negotiate early payment discounts, built around construction.

• Says builders using it increase profit margin by 12%
• Says enterprise buyers see 4-5x money market returns on early payments

Earlytrade pricing: On request (pricing page)

How to choose a supply chain finance platform for your suppliers

Decide who runs the program. Buyer-led platforms such as Orbian and SAP Taulia pay your suppliers early under a program you set up. C2FO lets suppliers pick the invoices and name their own discount. Supplier-side tools like Kriya need no buyer program at all.

In India, start with TReDS. Invoicemart tells companies with a turnover of ₹250+ Cr to complete their mandatory TReDS registration, and says all CPSEs have been mandated to pay vendors through TReDS. RXIL, M1xchange, Invoicemart and KredX all run TReDS auctions where financiers bid on MSME invoices, so compare how many financiers each brings and how fast it settles.

In the UK public sector, look at early payment programs. Oxygen Finance runs them for councils and NHS Wales, and says it is an approved supplier under the NEPO521 framework. For private buyers, Orbian and PrimeRevenue run programs that the buyer sets up for its suppliers.

Count the funders behind the platform. SAP Taulia argues that a program tied to one bank stalls if that bank’s credit appetite shifts, and says its network connects you to over 40 global financial institutions under a single agreement, M1xchange lists 81+ financiers, and PrimeRevenue calls itself multi-funder.

Ask what suppliers pay and what they sign. SAP Taulia says it is completely free for suppliers, C2FO says no contracts and no fees, and Orbian lists no setup costs, transaction fees or account fees and needs no supplier contract. The discount is still the supplier’s cost, so ask each vendor how it is set.

When building your own makes sense

Buying is the right call for most companies starting a supplier finance program. Building your own starts to make sense when:

• Your suppliers need their own portal. Payment tracking, credit limits and onboarding inside the workflow your vendors already use.
• Your funders aren’t on anyone’s list. If the financiers you already work with can’t join a vendor’s network, you need your own payment orchestration.
• Compliance runs on every invoice. GST, KYC and state-by-state checks for Indian suppliers are where off-the-shelf tools leave work for your team.
• The program is the product. If trade finance is your business rather than a treasury tool, the platform is what you sell.

That’s the kind of system we build as part of our FinTech app development work. For our client Great Kapital, a trade finance platform, we built the working capital engine and the vendor and customer portal behind its own supplier program. Our MVP development service can scope one with you, and our guide to fixed-price MVP development explains how we price it, including telling you plainly if one of the platforms above would do the job instead.

Frequently asked questions

What is a supply chain finance platform?

It is software that lets suppliers get paid early on invoices their buyer has approved, with a bank or other funder paying now and the buyer paying the funder later. Some, like Orbian and SAP Taulia, are run for the buyer; others, like C2FO, let suppliers name their own discount. In India, TReDS platforms such as RXIL and M1xchange run invoice auctions between financiers.

What is TReDS and who has to use it?

TReDS is the Reserve Bank of India's Trade Receivables Discounting System, where MSMEs sell invoices raised on large buyers to competing financiers. Invoicemart tells companies with a turnover of ₹250+ Cr to complete their mandatory TReDS registration, and says all CPSEs have been mandated to pay vendors via TReDS. RXIL, M1xchange, Invoicemart and KredX all run TReDS platforms.

Do suppliers pay to use supply chain finance?

Suppliers usually pay through the discount on each early payment. SAP Taulia says it is completely free for suppliers with no registration fees, C2FO says there are no contracts and no fees and lets suppliers set their own rate, and Orbian lists no setup costs, transaction fees or account fees. Ask each vendor how the discount is calculated.

How fast do suppliers get paid on these platforms?

Often within a day. C2FO says as little as 24 hours, M1xchange offers non-recourse funding in 24 hours, and Invoicemart pays within 24 hours of the supplier accepting the best bid. In the UK, Kriya advances up to 90% of an invoice within 24 hours. Speed depends on the buyer approving the invoice first.

When should a company build its own supply chain finance platform?

When the program doesn't fit the platforms: suppliers who need a portal in their own language and workflow, funders you already work with that no vendor connects to, or compliance checks such as GST and KYC that have to run on every invoice. A company with a few large suppliers and one ERP is usually better off buying.