Platform — LedgerNexa

Four Modules

Module 01

Instrument

The Sensor Layer

Deep ERPNext integration — not invoice capture, but full process instrumentation. POs, GRNs, delivery confirmations, inventory levels, payment events. Every event is timestamped, cross-verified, and converted into a credit signal.

Demand volatility, inventory turnover rate, supplier DSO trends — better creditworthiness proxies than any audited balance sheet. Your ERP generates this continuously. We make it actionable for lenders in real time.

ERP telemetry — PO, GRN, inventory, payment events as live credit signals

Cross-matching invoice vs PO vs GRN — the anti-fraud layer is built in

Udyam + GSTN onboarding bundle — MSME formalisation in one workflow

ONDC Seller NP integration for Micro enterprises on TEAM scheme

Inventory deterioration-adjusted valuation — critical for pharma & F&B

Invoice Discounting / Reverse Factoring — buyer-anchored, lowest risk

Purchase Order Financing — confirmed PO as financing asset

TReDS Connect — without-recourse financing for eligible enterprises

IBDIC InvoiceHub integration — verified invoice presentation to financiers

Intelligent Financing Router — dynamic selection across all rails (Medium edition)

Module 02

Finance

The Rail Layer

An Intelligent Financing Router evaluates each invoice against available rails — TReDS, NBFC, OCEN, InvoiceHub — and selects the optimal instrument by cost, speed, and risk profile. We don't pick one rail. We route dynamically.

Tiered payment structures — partial pre-payment + deferred balance — computed dynamically to maximise supply chain profit across buyer and supplier simultaneously.

Module 03

Risk

The Intelligence Layer

Stochastic inventory models and operations research generate real-time credit scores from operational behaviour — not static financials. This is the moat that separates LedgerNexa from every invoice aggregator.

Endogenous risks (false trade, moral hazard, correlation failures) managed at source via ERP. Exogenous risks (macro cycles, policy shifts) monitored continuously.

Dynamic creditworthiness — inventory turnover, demand volatility, DSO scored continuously

Anti-fraud verification — every invoice cross-matched against PO and GRN in ERP

Supply chain correlation monitoring — concentration caps, domino-default early warning

DSO spike detection — auto-flags for NBFC/bank partners when behaviour changes

Exogenous risk dashboard — macro signals, RBI policy alerts, rate sensitivity

Anchor Buyer Program — configure supplier onboarding, concentration limits, financing terms

Payables Confirmation Workflow — invoice approval with SLA timers, same-day eligibility

Multi-tier preparation — architecture ready for Tier-2 reach as IBDIC infrastructure matures

Supplier Health Dashboard — portfolio view: health scores, concentration risk, utilisation

Module 04 · Medium Only

Anchor

For Medium Enterprises

When your enterprise reaches ₹50Cr+ turnover, your supplier base is your supply chain health risk. Anchor Mode lets you become the credit backbone for your own Tier-1 suppliers — reverse factoring at scale, powered by your confirmed payables.

You become the core enterprise in the model — without needing a finance company license.

Not a lending platform
that reads your invoice data.
The OS where invoices are born.

Same four modules.
Depth scales with your size.

Supply chain finance is the
integration of four flows.

Last-mile reach.
Every BA shop — a sensor node.

Ready to go deeper?

Not a lending platformthat reads your invoice data.The OS where invoices are born.

Same four modules.Depth scales with your size.

Supply chain finance is theintegration of four flows.

Last-mile reach.Every BA shop — a sensor node.

Ready to go deeper?

Not a lending platform
that reads your invoice data.
The OS where invoices are born.

Same four modules.
Depth scales with your size.

Supply chain finance is the
integration of four flows.

Last-mile reach.
Every BA shop — a sensor node.