The COVID-19 pandemic brought regional supply chains to a halt, but what is emerging during the recovery is unlike anything markets have seen before.
Supply chain finance
Supply chain finance provides a range of financing and risk mitigation solutions designed to optimise working capital and liquidity in domestic and international supply chains. Our solutions differ depending on whether you’re a supplier (receivables finance) or buyer (payables finance).
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Putting our customers first
Knowledge experts
Benefit from our 180+ years wealth of experience.
Network connectivity
Transact seamlessly across the globe
32 markets, 13 in the Asia Pacific region.
Digital know-how
52 currencies and seven languages on our supplier portal to make transacting easier.
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Supporting our customers with flexible solutions
Knowledge experts
Banking specialists who bring local knowledge and a deep level of expertise to the table. We challenge our customers thinking and offer innovative solutions for how best to move their business forward.
Well connected
Our network is unique amongst Australian banks. On the ground presence in 32 countries so that we have the local knowledge backed by an extensive global team.
Working capital
Liquidity is a constant challenge for businesses. By facilitating affordable working capital, we can help strengthen the relationship between suppliers and distributors.
Digital transformation
Shifting from paper-based processes to using new technologies like blockchain and APIs will reap rewards.
Acknowledged as the #1 bank for supply chain finance for 7 consecutive yearsdisclaimer
Receivables finance is a supplier-led working capital solution, where the supplier (ANZ customer) sells to ANZ the trade receivable due from its buyer (approved by ANZ), on a limited recourse basis to the supplier. ANZ has the right to receive payment from the buyer, and in the event of non-payment, the ability to enforce this right against the buyer.
Potential benefits of receivables finance
- Access to cheaper funding as early payment to the supplier is offered at a financing cost reflective of the buyer’s credit worthiness and hence is typically lower than the supplier's own financing cost
- Reduce Days Sales Outstanding as discount allows for acceleration of cash and provides an alternative source of funding away from core debt

Payables finance is a buyer-led, digital solution that allows a buyer (ANZ’s customer) to arrange early payment of approved invoices due to suppliers.
Potential benefits of payables finance
- Improve supplier loyalty through arranging early payment at a financing cost reflective of the buyer’s credit worthiness and reducing the risk of non-payment
- Early payment to suppliers for goods sold or services completed supports a healthy financial base to provide a consistent service

Sustainable supply chain finance
Sustainable supply chain finance provides the benefits of traditional supply chain, with the additional benefit of rewarding, incentivising, and funding sustainable supply chain behaviors.
Potential benefits of sustainable supply chain finance
- Reinforce a Company’s commitment to sustainability
- Strengthen the sustainability expectations for Suppliers and Buyers
- Improve the security of the supply chain
- Achieve a lower cost of funds for sustainability out performance
Improving Carlsberg's cash flow
ANZ delivered a fully digital solution which allowed Carlsberg to support their suppliers by providing them access to low cost capital (leveraging Calsberg India's credit rating) and simultaneously improving the cash to conversion cycle without negatively impacting the balance sheet.
"Businesses are looking to their banking partner for guidance on how to navigate the emerging supply chain challenges and opportunities"
Simone Fynmore - Head of Supply Chain Product, ANZ Institutional
ANZ Insights
The latest market-leading news, analysis and thought leadership from our experts across more than 30 global markets.
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2021-06-06 02:00
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Developing and operating sustainable supply chains is likely to improve investor and consumer perceptions, manage costs and drive innovation.
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Shifting supply chains amid a reorientation of Asian trade have not impacted mainland China’s dominance.
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#1 for Market Penetration for Supply Chain Financing, Peter Lee Associates Large Corporate and Institutional Transactional Banking Survey, Australia 2015-22
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