Dulcet Holding
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Dul-fin · BOB Partnership · Supply Chain Finance

Trade & SCF Suite

12 SCF products powered by Bank of Baroda. Dealer, Vendor, Payable, Inventory, Forfaiting, Cross-Border & more.

12
SCF Products
₹500Cr+
SCF Lines Available
50+
Anchor Corporates
24hr
Disbursal SLA
SCF SuiteApply FinancePO & InvoiceSelect LendersAgreementSubmitTReDS WorkflowTReDS DashboardRXIL PlatformVendor OnboardingDealer Finance PortalFX RiskLCBG VerificationLender MarketplaceGlobal Trade Platform
Bank of Baroda SCF Platform · Dul-fin Integration

Bank of Baroda Partnership

Integrated with BOB's SCF platform for direct bank-grade credit lines

AI Credit Scoring

6-model AI ensemble for real-time anchor & spoke creditworthiness

Sub-24hr Disbursal

Straight-through processing with digital documentation

Limit Management

Dynamic limits based on GST data, bank statements & trade history

Multi-Bank Network

Access 50+ lenders including PSU banks, NBFC, foreign banks

RBI/FEMA Compliant

Full regulatory compliance for domestic & cross-border SCF

12 Products · Complete SCF Ecosystem

SCF Product Suite

Dealer Invoice Financing

Push & Pull Method

BOB SCF

Working capital finance for dealers/spokes of large anchor corporates. Both push (anchor-initiated) and pull (dealer-initiated) model supported.

Rate

8.5–12% p.a.

Tenure

30–90 days

Limit

Up to ₹50Cr

Anchor-backedDigital onboarding
Details

Vendor Invoice Financing

Post-Shipment Finance

SCF·Vendor

Finance for vendors of large anchor corporates after goods/services delivered. Accelerates receivables, improves cash flow without diluting balance sheet.

Rate

8.5–13% p.a.

Tenure

30–180 days

Limit

Up to ₹100Cr

Invoice uploadAI verification
Details

Payable Finance (Corporate)

Reverse Factoring

Reverse Factoring

Anchor corporate enables its vendors to access early payment via SCF platform. Corporate extends payables; vendor gets early cash at anchor's credit rating.

Rate

9–14% p.a.

Tenure

30–120 days

Limit

Up to ₹200Cr program

Anchor-rated pricingBulk onboarding
Details

Inventory Funding

OEM Stock Finance

Inventory

Bulk inventory purchase finance for dealers — no formal dealership required. Finance up to 80% of OEM invoice value to stock products before selling.

Rate

9–15% p.a.

Tenure

30–90 days

Limit

Up to ₹25Cr

OEM-linkedNo dealership needed
Details

Distributor Financing

Channel Finance

Channel SCF

Finance for MNC/large corporate distributors against retail inventory. MNC often subsidizes interest. Covers FMCG, pharma, auto, electronics channels.

Rate

9–13% p.a.

Tenure

30–90 days

Limit

Up to ₹50Cr

MNC-subsidized rateChannel KYC
Details

Advance Against Receivables

Asset-Based Credit

Receivables

Credit against confirmed order book / trade receivables. Up to 80% of appraised receivable value. Ideal for exporters and B2B sellers with large receivable pools.

Rate

10–16% p.a.

Tenure

30–180 days

Limit

Up to ₹150Cr

Order-book basedBuyer rating linked
Details

Import Finance / Buyer's Credit

Cross-Border SCF

Cross-Border

Finance for importers to pay overseas suppliers. Buyer's credit at SOFR/LIBOR-linked rates. Typically cheaper than domestic working capital.

Rate

SOFR + 1.5–2.5%

Tenure

90–360 days

Limit

Up to $10M

SOFR-linked rateSWIFT integration
Details

Export Invoice Discounting

Post-Shipment Export

Export

Discounting of export invoices after shipment. ECGC-covered option available. Ideal for exporters seeking early realization of foreign receivables.

Rate

8–12% p.a.

Tenure

30–180 days

Limit

Up to ₹200Cr

ECGC cover optionMulti-currency
Details

Forfaiting

Medium-Term Receivables

Forfaiting

Non-recourse purchase of medium-term trade receivables (90d–5yr). Exporter gets immediate cash; forfaiter assumes collection risk. Ideal for capital goods.

Rate

10–15% p.a.

Tenure

90 days – 5 years

Limit

No upper limit

Non-recourseCapital goods focus
Details

Dynamic Discounting

Early Payment Program

Dynamic

Anchor corporates offer early payment to vendors at a sliding discount (higher discount for earlier payment). No external financing — funded from anchor's surplus cash.

Rate

Discount-based

Tenure

Dynamic (1–60 days early)

Limit

Anchor cash-funded

Sliding rate scaleAnchor self-funded
Details

Purchase Order Financing

Pre-Shipment Finance

Pre-Shipment

Finance against confirmed purchase orders (POs) before goods are manufactured or shipped. Bridges working capital gap for suppliers/manufacturers.

Rate

10–16% p.a.

Tenure

30–120 days

Limit

Up to ₹50Cr

PO-backedSupplier-funded
Details

Agri-SCF / Commodity Finance

Farm-to-Market

Priority Sector

Supply chain finance for agricultural value chains — farm inputs, warehouse receipts, commodity procurement. Priority sector lending eligible.

Rate

8–12% p.a.

Tenure

30–180 days

Limit

Up to ₹25Cr

Warehouse receiptNABARD refinance
Details

How It Works

SCF Transaction Flow

STEP 01

Anchor Onboards

Corporate anchor connects ERP/GST to SCF platform

STEP 02

Supplier Registers

Vendor/dealer KYC in minutes via digital onboarding

STEP 03

Invoice Upload

Supplier uploads invoices; anchor confirms digitally

STEP 04

AI Decisioning

6-model AI scores credit risk in real-time

STEP 05

Funding

BOB/lender funds in <24 hours to supplier account

STEP 06

Auto-Repayment

Anchor pays SCF platform on due date; books close

All SCF products comply with RBI Master Directions on Factoring, FEMA 2000, Companies Act 2013, and IFSCA regulations for cross-border transactions. Platform under certification — CIN: U64990TZ2025PTC035346 · Dul-fin (Dulcet Holding India Pvt Ltd).

Get Started Today

Unlock SCF Liquidity
for Your Supply Chain

Whether you're an anchor corporate, vendor, or distributor — Dul-fin's SCF platform has a product designed for your exact position in the supply chain.

Live · 40 Modules · 12 Active Data Flows

Multi-Module AINeural Architecture

Advanced interconnection hub — every module is live-linked with AI-orchestrated data fetching, cross-platform synaptic flows, and autonomous signal routing.

Active Modules40
Data Flows / Day28,400+
AI Decisions / Hr1,200+
Synapse Links48
Live AI Neural Architecture · 38 Modules · 53 Synaptic Links

Multi-Module AI Neural Network

Every module is a live node — real-time data flows, AI orchestration signals, and cross-platform synapse connections visualised below.

AI5 modules
Lending7 modules
Trade7 modules
Invest6 modules
Ops7 modules
Ent6 modules
Live AI Data Flows

Cross-Module Signal Routing

CRM LeadLOS Application
AI Lead Scoring
2,340/day
LOS ApplicationDocument Hub
Auto Document Request
890/day
Document HubAI Verification
Vision OCR Engine
1,200/day
AI VerificationUnderwriting
Deep Reasoning AI
450/day
UnderwritingSanction Engine
Credit Policy Check
320/day
Sanction EnginePayment Gateway
Auto Disbursal
280/day
Invoice UploadTReDS Exchange
Auto-Bid Agent
1,800/day
TReDS BidSCF Ledger
Remittance Confirm
960/day
Risk SentinelNPA Provisioning
Basel III Engine
10k signals/s
WhatsApp BotCRM Timeline
Customer Msg Sync
4,500/day
GST PortalCompliance Hub
Auto Filing Check
Daily
MCA PortalEnrichment DB
Director Scrape AI
Real-time

Complete Module Registry

LIVE

AI Cockpit

AI Hub

AI Load87%
LIVE

AI Agent Workspace

AI Hub

AI Load72%
LIVE

AI Skills Hub

AI Hub

AI Load65%
LIVE

Agent Hub

AI Hub

AI Load58%
LIVE

Platform Intelligence

AI Hub

AI Load80%
LIVE

AI Skills Engine

AI Hub

AI Load91%
LIVE

Loan Hub

Lending

AI Load76%
LIVE

Loan Origination

Lending

AI Load68%
LIVE

Loan Management

Lending

AI Load55%
LIVE

MSME Credit

Lending

AI Load44%
LIVE

BNPL Workflow

Lending

AI Load38%
LIVE

P2P Lending

Lending

AI Load32%
LIVE

Dealer Finance

Lending

AI Load47%
LIVE

SCF Platform

Trade & SCF

AI Load88%
LIVE

TReDS / RXIL

Trade & SCF

AI Load94%
LIVE

Trade Finance Hub

Trade & SCF

AI Load62%
LIVE

Invoice Management

Trade & SCF

AI Load71%
LIVE

SCF Kanban

Trade & SCF

AI Load53%
LIVE

Anchor Database

Trade & SCF

AI Load41%
LIVE

Bill Discounting

Trade & SCF

AI Load67%
LIVE

B2B Receivables

Trade & SCF

AI Load59%
LIVE

Investments Hub

Investments

AI Load48%
LIVE

Mutual Funds

Investments

AI Load36%
LIVE

Forex Trading

Investments

AI Load52%
LIVE

Insurance

Investments

AI Load28%
LIVE

Investor Portal

Investments

AI Load33%
LIVE

Neo Banking

Investments

AI Load41%
LIVE

CRM System

Operations

AI Load96%
LIVE

Analytics Hub

Operations

AI Load78%
LIVE

Documents Hub

Operations

AI Load82%
LIVE

Compliance Hub

Operations

AI Load61%
LIVE

Workflow Automation

Operations

AI Load74%
LIVE

Payments Hub

Operations

AI Load85%
LIVE

Ledger System

Operations

AI Load69%
LIVE

Admin Hub

Enterprise

AI Load77%
LIVE

HRMS Hub

Enterprise

AI Load44%
LIVE

E-Signing

Enterprise

AI Load38%
LIVE

Module Network

Enterprise

AI Load56%
LIVE

Platform Suite

Enterprise

AI Load62%
LIVE

D365 Finance

Enterprise

AI Load47%

AI-Native Architecture Principles

Every module follows the same AI-first design contract — zero manual data entry, perpetual memory, real-time sync.

Deep Reasoning Engine

Every decision backed by multi-step reasoning across 500-page documents, covenant checks, and financial ratios.

Cross-Module Data Sync

CRM → LOS → LMS → Ledger — all automatically synced. No re-entry. AI carries context across every stage.

Compliance Intelligence

RBI, SEBI, DPDP, Basel III — statutory obligations auto-checked at every module boundary in real time.

10k Signal/Sec Processing

NPA sentinel, FX risk monitor, and anomaly detection operating continuously across the entire portfolio.

Autonomous AI Agents

6 purpose-built agents traversing government portals, exchanges, and compliance systems without human oversight.

Perpetual Memory Layer

Every client interaction, document, and decision stored in sovereign on-prem AI vault with cross-session recall.