Pre-Shipment Financing Platform for Banks
CredAble’s pre-shipment financing platform enables banksto support enterprise ecosystems with working capitalbased on confirmed purchase orders, approved schedulesand delivery milestones.
Why is traditional pre-shipment financing difficult to scale
Limited visibility before invoice creation
Banks typically receive data only at dispatch or invoice stage, making early-stage financing difficult to underwrite confidently.
Manual documentation slows approval
Purchase orders, production proofs and dispatch records often move through email and spreadsheets, creating processing delays and inconsistency.
Dependency on collateral and guarantees
Working capital is often restricted to suppliers with security or long banking history, limiting inclusion and programme reach.
End-to-end digitised Pre-Shipment Financing Platform for modern banks
Finance supplier working capital at the purchase order stage with digital validations, structured disbursement and integrated monitoring.
Purchase Order Based Financing
Extend credit to vetted suppliers of enterprise clients using confirmed purchase orders and production schedules as the financing anchor.
Automated Financing and Tracking
Financing is triggered and monitored through digital validation events such as Proof of Delivery (POD), Goods Received Note (GRN) and Goods Acceptance Note (GAN).
Milestone Based Disbursals
Funds can be released in tranches aligned to production and delivery milestones, adding clarity to utilisation and repayment flows.
Collateral-Light Structuring
Credit limits can be created without traditional collateral, supported instead by corporate purchase commitments and performance data.
Digital Data Integration
ERP or SFTP-based data exchange ensures the bank has continuous visibility of purchase order status, goods movement and approvals.
Operational Oversight and Compliance
The platform maintains audit trails, utilisation tracking, exposure monitoring and role-based approvals across all programme participants.
Partnerships that power the working capital ecosystem
Built on deep enterprise and financial institution relationships, a strong ecosystem of partners, and proven impact at scale.
Insights on Working Capital, Trade Finance and Digital Lending
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CredAble’s pre-shipment financing platform enables banks to extend working capital to SMEs at the purchase order stage, even before invoice generation. By using confirmed purchase orders, production milestones and delivery data as anchors, banks can finance suppliers who may not have strong collateral or long credit histories. This improves SME access to credit, strengthens supply chain continuity and expands programme reach under broader supply chain financing for banks.
Yes. CredAble’s platform allows banks to configure purchase order financing programs based on a corporate’s payment cycles, supplier profiles and production timelines. Financing can be structured in tranches linked to milestones such as production completion, dispatch or delivery confirmation. This flexibility helps banks design tailored pre-invoice working capital solutions that align with real business flows rather than rigid lending structures.
CredAble’s platform stands out by combining purchase order-based financing, real-time production visibility and automated disbursement workflows in a single system. Unlike traditional solutions that rely on manual documentation or collateral-heavy structures, it enables collateral-light PO financing, integrates directly with enterprise systems and provides continuous tracking of goods movement and approvals. This allows banks to scale pre-shipment financing with better control, speed and risk visibility.
CredAble integrates with bank and corporate systems through APIs, ERP connectors or secure data exchange methods such as SFTP. This enables real-time access to purchase orders, production status and transaction data without disrupting existing workflows. By connecting underwriting, disbursement and monitoring into a unified flow, the platform removes silos and supports scalable digital lending infrastructure for banks.
CredAble’s platform is built with bank-grade security, governance and operational controls. It includes role-based access, audit trails, exposure monitoring and compliance-ready workflows across all programme participants. Continuous tracking of utilisation, approvals and repayment events ensures transparency and reduces operational risk. This makes it a reliable infrastructure for managing large-scale pre-shipment and supply chain finance programs.