Blogs

The Case for Inclusivity in Supply Chain Finance

SCF has a secret: It’s historically been an exclusive club. Big corporations get the best rates, while smaller suppliers scramble to stay afloat. But what if we flipped the script?

• Why Traditional SCF Leaves SMEs Behind

• They don’t meet bank thresholds. Banks prefer larger, "stable" suppliers—aka the ones who don’t actually need SCF.
• High onboarding costs. Many SCF programs are tailored for massive global supply chains, leaving smaller players in the cold.
• Lack of awareness. Many SMEs don’t even know SCF exists, and when they do, the application process feels like applying for a space mission.

• A More Inclusive SCF Model? Yes, Please.

• 1. Lower barriers to entry – Smaller suppliers should be able to access financing without jumping through flaming hoops.
• 2. Financing beyond just the top tier – SCF should support suppliers all the way down the chain, not just the Tier 1 giants.
• 3. More fintech innovation – AI, blockchain, and alternative lenders can make SCF fairer, faster, and more accessible.

Inclusivity isn’t just about ethics—it’s about creating a stronger, more resilient global supply chain. And that benefits everyone.