Don Hesh
September 12, 2025
Helping Accountants Advance SME Growth A Conversation with Accountants Daily The role of accountants is evolving. Beyond compliance, businesses are
Supply Chain Finance
Pay your suppliers upfront, receive early payment discounts and improve your working capital position with OptiPay’s Supply Chain Funding Solution.
What is Supply Chain Finance (SCF)?
OptiPay offers Supply Chain Finance to Australian businesses with proven track records. With our strong financial position and expertise in trade transactions, it allow us to quickly structure the best funding solution for your business. Simple and straightforward!
The key concept behind supply chain finance is to pay your suppliers as quickly as possible in order to take advantage of early settlement discounts. In simple terms, it allows the buyer (you or your business) to pay later and the supplier to secure payments earlier, allowing both parties to improve their working capital position.
How Does Supply Chain Finance Work?
- You receive invoices from your suppliers for goods received.
- You send us the invoices confirming its good to pay.
- Early payment is offered to your suppliers for a small discount.
- The supplier elects to be paid early.
- OptiPay pays the supplier immediately.
- All we charge you is a small fee which is completely offset against the early payment discount that you receive from your suppliers resulting in “zero” cost of funding and pure profit for your business.
Quick Online Enquiry
It will only take a few seconds & will not affect your credit rating.
As featured In
Benefits of Supply Chain Finance
Buy now, pay over time, mitigate risks and most importantly, free up working capital.
Buyers
Suppliers
Buyers
How OptiPay Supply Chain Finance Helps Buyers:
- Secure early settlement discounts from suppliers whilst still paying OptiPay 30-90 days later.
- Easy credit approval and set-up process.
- Immediate increase in your gross profit margins and working capital position.
- Improved supplier relations and financial strength of your supply chain.
- Greater Purchasing Power – the extended trading terms enable you to increase your purchase orders in line with market opportunities.
- Unsecured, off-balance sheet facility.
- No Property Security required.
Suppliers
How OptiPay Supply Chain Finance Helps Suppliers:
- Suppliers get access to cash immediately – no longer need to wait 30 to 60+ days to receive your payment.
- Reduction of trade receivables and an immediate increase in their cash position.
- Generally cheaper than invoice finance or invoice discounting.
- Strong co-operation between your company and the supplier creates a competitive advantage.
- Only elect to take the early payment, when needed.
- Higher likelihood of suppliers getting more business as suppliers have upfront cash flow to fund their purchases.
- Eliminates any potential payment disputes 30-60+ days later from the buyer.
Are you facing working capital issues?
Fill out our quick application form to get in touch with one of our friendly advisers and find out how trade finance can help your business.
Click on the button below to get started. It will only take two minutes and won’t affect your credit rating.
Why Choose OptiPay?
We are a nimble finance company, which has been around for over 5 years servicing growing small to medium size businesses. This allows us to create flexible and innovative funding solutions customised to your specific business needs.
We have funded over $1 billion dollars to over 350 Australian businesses. We’ve provided the funding solutions to scale our client’s businesses, across the globe.
Please note our Supply Chain Finance product is available only for businesses looking to fund domestic trade transactions within Australia.
If you are looking to fund international trade transactions including import and export finance, please refer to our Trade Finance product and other funding solutions.
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OptiPay Platform Integrations
OptiPay’s accounting interface is quick to setup and integrates seamlessly with your accounting software
to help to manage your money and pay suppliers.
