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Supply chain finance for US solar buyers

Your supplier wants to be paid now. You want 90 days. You can both have it.

With supply chain finance, run as a vendor payment program, your supplier is paid at T+2 while you settle in up to 90 days. Run it as approved payables finance or as dynamic discounting on your own surplus cash, and stop renegotiating payment terms every month.

  • Supplier paid at T+2
  • You settle in up to 90 days
  • Payables finance or dynamic discounting
Tell us about your supplier payments How much cash would I free?

Tell us about your supplier payments

Rough monthly spend and the terms you get today are enough. A specialist comes back within one working day with how a program would work for you.

No cost to talk. No credit check for the first conversation.

The terms tug-of-war

Three things finance teams ask about paying suppliers early

What supply chain finance changes when you and your supplier stop pulling on the same payment date.

You

“If I push my terms out, my suppliers quote higher or move me down the list.”

VyaparCred

That's the trade-off supply chain finance removes. Your supplier is paid at T+2, well before your term, so stretching your side to 90 days no longer squeezes theirs.

Buyers who pay early tend to be the ones suppliers serve first, often at a better price.

How paying faster wins better prices

You

“What's the difference between payables finance and dynamic discounting?”

VyaparCred

Payables finance brings in a financier: your supplier is paid early and you repay on extended terms, so your working capital stays free. Dynamic discounting uses your own surplus cash to pay early in exchange for a discount, so idle cash earns a return.

A vendor payment program on VyaparCred can run either model, matched to your cash position.

You

“Do my suppliers have to sign up to something complicated?”

VyaparCred

Both sides are onboarded once and the program terms are agreed. From then on it runs invoice by invoice: you approve the supplier's invoice on VyaparCred, and the supplier is paid two days later.

No case-by-case haggling over each payment.

Where each financing program fits

How the money moves

From approved invoice to settled, in four moves

Who pays whom, and when, under a vendor payment program.

  1. Day 0

    You approve the invoice

    Your supplier's invoice is approved on VyaparCred, under the program terms you've both agreed.

    Approval only
  2. T+2

    Your supplier is paid

    The supplier is paid two days after approval, well before your full term.

    Supplier paid early
  3. Days 3 to 89

    Your cash keeps working

    With payables finance, what you owe the supplier stays in your business for the rest of the term.

    Working capital stays free
  4. Up to day 90

    You settle

    You repay on the extended terms, up to 90 days.

    You settle the invoice

Is it a fit

What it takes, and who it's for

Supply chain finance is a program you set up once, instead of a negotiation you repeat every month.

What you need to start

  • An approved supplier invoice on VyaparCred
  • Buyer and supplier onboarding, done once
  • Program terms you and your supplier agree

After setup, it runs invoice by invoice.

Who it's for

Buyers with regular supplier spendExtend terms to protect working capital while suppliers still get paid on time, every time.
Strategic suppliersTake certain cash at T+2 in exchange for supporting your terms, and lock in the relationship.
Finance and supply chain teamsRun one program that improves working capital on both sides, instead of fighting the same battle every month.

Compare

A vendor payment program vs fixed supplier terms

The same invoice, paid with and without supply chain finance.

With a vendor payment programFixed terms, negotiated case by case
Supplier paidAt T+2On your full term, often 60 to 90 days
Your termsExtended, up to 90 daysFixed, with no early-payment benefit
Funding modelPayables finance or dynamic discountingOne rigid arrangement
Supplier relationshipStronger on both sidesStrained by payment timing
How it runsOne program on VyaparCredCase-by-case negotiation

See it on your own numbers

How much cash stays in the business on 90-day terms?

Set what you spend with suppliers each month and the terms you get today. The difference is working capital you keep while your suppliers are paid at T+2.

$250K
30 days

Illustrative only. Final funding share, tenor and pricing depend on your order, supplier and credit assessment.

Cash kept in the business $493K What stays in your account instead of with suppliers
Extra days to pay, up to 60 days Paying at day 90 instead of day 30
Supplier paid T+2 Two days after you approve the invoice
Get a real number for my spend

Learn before you buy

Guides on supply chain finance and supplier payments

How to pay solar suppliers faster for better pricesWhy early payment moves a supplier's price. Pre-shipment vs invoice discounting vs vendor paymentWhich program fits which part of the cycle. How much working capital a solar project needsSizing the cash a build actually ties up. Project finance vs working capitalWhat each one is for.

FAQ

Supply chain finance questions, answered

What is supply chain finance for solar buyers?
It lets you extend your payment terms while your supplier is paid early. On VyaparCred it runs as a vendor payment program: the supplier is paid at T+2 after you approve the invoice, and you settle in up to 90 days.
What is approved payables finance?
It's the payables finance model of supply chain finance: once you approve a supplier invoice, a financier pays the supplier early and you repay on extended terms. It's one of the two models a vendor payment program on VyaparCred can run.
How is payables finance different from dynamic discounting?
Payables finance uses a financier, so suppliers are paid early while you repay later and your working capital stays free. Dynamic discounting uses your own surplus cash to pay early in exchange for a discount.
Can I pay vendors on time without draining my own cash?
Yes, that's the point of the program. Your suppliers are paid early and you settle in up to 90 days, so paying on time no longer means emptying your account.
What do my suppliers need to do?
Be onboarded once and agree the program terms. After that, each approved invoice is paid at T+2, with no case-by-case negotiation.

Pay suppliers at T+2. Keep your cash for 90 days.

Tell us your monthly supplier spend and current terms, and we'll show you how a program would run. No cost to talk.

Start the conversation Register as Buyer