Supply chain finance · An Artfine company
Taking trade finance to capital markets
We turn MSME invoices into investable, insured, rated receivables—moving supply-chain funding from bank queues to India’s debt markets.
- RBI-licensed NBFC
- ICRA rated programmes
- TReDS integrated
₹1,000Cr+
Receivables financed
700+
MSME funded
25+
Origination and distribution partners
70 yrs
Combined team experience
Beyond this site
The wider Artfine ecosystem
Online SCF portal
ArtfineBilz — where a receivable is uploaded, monitored and taken to securitisation.
Know more
Alternate investment marketplace
Arthvista — Artfine's marketplace for distributing rated paper to investors.
Know moreTechnology
ArtfineBilz
We built the software that keeps every receivable continuously rating-compliant—from upload to securitisation, without it ever leaving the system.
See what the platform doesAI invoice acceptance
Buyer acceptances arrive as ordinary email. An agent reads each one for parties, invoice number, amount and acceptance, then sets the status. A reviewer confirms every call.
Securitisation rule engine
Programme limit, invoice percentage, seller–buyer percentage, counterparty and anchor percentage, rating ranges and concentration caps — enforced as the pool changes.
Multi-lender transfers
One vendor can be mapped to many buyers and funded by many lenders. Assets move between lenders with the accounting entries generated automatically.
PTC monitoring
Invoice, seller and buyer concentration, minimum rating and rating concentration, reported in the form rating agencies and investors ask for.
Pre-approved buyers
If you supply one of these, the credit work is already done
With 100+ buyers pre-approved, we use our own insurance to keep funding trades—even when buyers fall outside the list or are rated BBB- or below.
- Reliance
- TATA Motors
- Larsen & Toubro
- Amazon
- Accenture
- Airtel
- Wipro Limited
- CRISIL Limited
- Hero Fincorp Limited
- Bajaj Finserv Direct Limited
Advisory track record
Structures we have already taken to market
- Sep 2018Artfine Advisory opens shop.
- Dec 2018Artfine advises on the INR 650 Cr acquisition of L&T Finance's supply chain finance business by Centrum Finance.
- Sep 2019Artfine advises India's first receivable-backed collateralized commercial paper, for Centrum Finance.
- Sep 2020Artfine closes India's first dealer finance PTC, for Centrum Finance.
- Oct 2021Arth Padarth Factors — sponsored by Artfine's founders — gets an NBFC Factoring license.
- Feb 2022AP Factors (Artfine) begins operations.
- Sep 2022REST 1, Artfine's first factored-assets PTC.
- Feb 2025REST 6, India's first rated, listed factored-assets PTC by Artfine.
- Mar 2026Artfine reports its first full-year profit; disbursements cross INR 1000 Cr.
They understand structured trade finance at a level that is rare outside a large bank, and they execute like a much smaller firm.
Our vendors were waiting on payment cycles we could not shorten from our own balance sheet. AP Factors solved it without adding to our borrowings.
We were funded on the strength of our order book and payment history, not on collateral we did not have.