Supply Chain Finance - Uncia Flow
Orchestrate liquidity across the ecosystem.
Uncia Flow is a cloud-native SCF platform built to remove friction between supply chains and capital. From anchor-spoke onboarding to real-time invoice discounting, it enables self-serve, configurable programs at the speed of global trade.
$25B
AUM Processed
8 wks
Average time to go-live
100+
Pre-built API integrations
Trusted by world’s leading financial institutions.
THE REALITY OF MOST LMS models
Why traditional SCF
models fail to scale
In high-frequency trade environments, legacy infrastructure becomes a brake on growth, not a bridge to it.
Operational drag
Manual hierarchy management and multi-party reconciliations turn high-volume trade into structural overhead.
Informational blindness
Fragmented invoice data and disconnected ERP integrations create blind spots that increase fraud and double-financing risk.
The small supplier gap
Legacy risk models over-index on highly rated anchors, leaving the supply chain long tail underfunded and underutilized.
The onboarding chokepoint
Rigid KYC and manual underwriting across thousands of spokes suppress adoption and weaken anchor relationships.
Redefining the flow of lending
Uncia Flow transforms fragmented workflows into a seamless digital corridor. By unifying data and automating policy, it enables banks and NBFCs to move from program design to market-ready deployment at the speed of trade.
51
Pre-mapped products
Deploy nearly any SCF variation, from reverse factoring to dynamic discounting, with instant readiness.
70+
Standard APIs
Connect seamlessly to ERP, marketplace, and core banking ecosystems through API-first architecture.
Real-time
Risk transparency
Gain live clarity on limits, exposure, and invoice authenticity across the supply chain.
How ecosystem liquidity changes with UnciaFlow
Accelerate onboarding, automate underwriting, and launch SCF programs with ecosystem-grade agility, transforming liquidity operations for banks and NBFCs.
1
From manual complexity to seamless automation
Transforms slow, error-prone workflows into fully automated processes, reducing turnaround from weeks to hours.
2
Connected
ecosystems
Unify legacy systems, siloed data, and processes on a cloud-native platform with 70+ APIs, see the full SCF lifecycle in one view.
3
Risk and compliance bottlenecks to smart controls
Smart controls, real-time risk management, and configurable policies keep banks and NBFCs compliant and audit-ready.
4
Rapid program deployment
Deploy new SCF programs overnight, configure products, rates, and roles with 51 pre-mapped variations for instant market readiness.
5
Agile, scalable growth
Automated workflows and microservices accelerate operations and enable scalable growth across multiple industries.
Watch a 3-minute product walkthrough
See UnciaLeap configure a home finance journey from scratch — live, no slides.
How ecosystem liquidity changes with UnciaFlow
Accelerate onboarding, automate underwriting, and launch SCF programs with ecosystem-grade agility, transforming liquidity operations for banks and NBFCs.
Watch a 3-minute product walkthrough
See UnciaPrime configure a home finance journey from scratch — live, no slides.
INTEGRATION ECOSYSTEM
Agile. Scalable.
Invisible.
Uncia Leap unifies the full loan lifecycle, from product configuration to post-disbursal servicing, on a single configurable platform with auditability at every step.
Built for the entire supply chain.
Uncia Flow provides a unified interface where buyers, suppliers, and dealers access liquidity instantly, strengthening resilience across the trade ecosystem.
Anchor-led payable finance
Extend buyer payment flexibility while giving suppliers early liquidity access, strengthening the core supply chain.
Purchase order financing
Equip suppliers with working capital to fulfill large orders before invoice generation.
Dynamic receivable factoring
Unlock liquidity from receivables to accelerate cash flow and reduce supplier credit risk.
Dealer & distributor finance
Extend downstream credit access to optimize inventory turns and sales velocity.full configurability.
Global trade readiness
Navigate tax variations and multi-currency complexity on a platform built for cross-border SCF.
Leaders that trust Uncia
- What people said
Why people love Uncia
Seamless integrations across banking and fintech systems
Speed & Efficiency
- Faster loan approvals with automated decisioning
- Reduced manual effort across the lending lifecycle
Scale & Flexibility
- Built to handle high-volume lending operations
- Easily launch and adapt new lending products
Control & Visibility
- Real-time insights across all lending stages
- Better risk management with unified data systems
01 - 02
Amit Bhatia
Chief Technology Officer
@ICICI Home Finance Company Limited
Our field teams are empowered, responsive, and better equipped to serve customers efficiently. Uncia brought more than technology — they brought domain expertise, agile delivery, and a true spirit of collaboration. With them, we’ve built a foundation that’s not just digital-ready, but future-ready.
02 - 02
Nikhil Gokhale
Director - Research & Digital Properties
@IBS Intelligence
The transformation of a leading Indian NBFC’s SCF platform using Uncia’s innovative solution has redefined industry benchmarks for automation and efficiency.
Leaders that trust Uncia
- What people said
Why people love Uncia
Seamless integrations across banking and fintech systems
Speed & Efficiency
- Faster loan approvals with automated decisioning
- Reduced manual effort across the lending lifecycle
Scale & Flexibility
- Built to handle high-volume lending operations
- Easily launch and adapt new lending products
Control & Visibility
- Real-time insights across all lending stages
- Better risk management with unified data systems
Nikhil Gokhale
Director - Research & Digital Properties
@IBS Intelligence
The transformation of a leading Indian NBFC’s SCF platform using Uncia’s innovative solution has redefined industry benchmarks for automation and efficiency.
01 - 02
Amit Bhatia
Chief Technology Officer
@ICICI Home Finance Company Limited
Our field teams are empowered, responsive, and better equipped to serve customers efficiently. Uncia brought more than technology — they brought domain expertise, agile delivery, and a true spirit of collaboration. With them, we’ve built a foundation that’s not just digital-ready, but future-ready.
02 - 02
Ideas that transform lending
Explore expert insights, industry trends, and practical guides to navigate lending operations, compliance, and emerging opportunities.
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Common questions
Questions before
the demo?
These are the five questions that come up in almost every first conversation.
How is Uncia Flow different from a traditional lending platform?
Traditional platforms operate at the loan level. Uncia Flow operates at the ecosystem level. It manages anchor–supplier–dealer relationships, invoice-level funding, and program-wide limits within a single system built for high-frequency trade environments.
Can Uncia Flow support different SCF program structures?
Program flexibility is native to the platform. With 51 pre-configured variations, reverse factoring, dynamic discounting, PO financing, and dealer finance models can be deployed without rebuilding workflows.
How does the platform handle multi-party roles and hierarchies?
Multi-party complexity is system-managed. Anchor–spoke structures, dealer networks, and layered hierarchies are configured within a single framework, with clear control over roles, limits, and access across the ecosystem.
How does Uncia Flow simplify onboarding across large supply chains?
Onboarding moves from manual processing to a self-serve digital corridor. Anchors, suppliers, and dealers are onboarded at scale through automated KYC and workflow orchestration, removing underwriting bottlenecks.
How does Uncia Flow improve liquidity access for small suppliers?
The platform shifts beyond anchor-led risk models. Transaction data, behavioural signals, and ecosystem visibility enable funding access for the long tail of suppliers typically excluded in traditional SCF structures.
How does the platform prevent fraud and double financing?
A single source of truth is established for invoice and transaction data. Real-time validation, ERP integrations, and configurable risk rules ensure invoice authenticity and continuous exposure tracking across the ecosystem.
How do we monitor exposure and limits across the supply chain?
Exposure is visible in real time. Invoice status, limits, and utilisation across anchors and suppliers are continuously tracked, enabling tighter control over risk and capital deployment.
Does Uncia Flow integrate with ERP and external systems?
Integration is built into the architecture. With 70+ standard APIs, the platform connects with ERPs, marketplaces, and core banking systems, ensuring continuous, real-time data flow.
How does Uncia Flow handle invoice data standardisation across systems?
Data is normalised at the system level. Multiple ERP formats are standardised and validated to create consistent, reliable invoice-level data for underwriting, funding, and reconciliation.
How quickly can we launch a new SCF program?
From design to deployment in hours to days. Pre-mapped products, configurable roles, and API-led integrations remove setup delays and eliminate dependency on manual processes.
How does Uncia Flow reduce operational overhead in SCF programs?
Operations are system-driven. Onboarding, underwriting, reconciliations, and limit management are automated, enabling high-volume transaction handling without proportional increases in effort.
How are reconciliations managed across multiple parties and transactions?
Reconciliation is automated and continuous. Invoice matching, payment tracking, and multi-party settlement flows are system-managed, ensuring financial accuracy and control across the ecosystem.