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Zoral
Zoral

Adaptive Supply Chain Finance

Unlock liquidity, visibility, and resilience across supply chains

Supply chains are under constant pressure from cash flow constraints, counterparty risk, and limited visibility across buyers, suppliers, and financiers. Traditional supply chain finance models are slow to adapt, rely on manual processes, and struggle to scale across ecosystems. Institutions need intelligent, flexible solutions that align liquidity with real-world supply chain dynamics.

How Zoral Adaptive Supply Chain Finance Delivers Value

Decision Engine & Risk Orchestration

Evaluates buyer, supplier, and transaction risk in real time to enable confident financing decisions.

Predictive Analytics & Cash Flow Modeling

Forecasts liquidity needs, payment behavior, and risk exposure across the supply chain.

Workflow Orchestration & Automation

Digitizes onboarding, invoice approval, financing, and settlement processes end to end.

Unified Data Fabric

Consolidates transactional, behavioral, and third-party data for holistic supply chain visibility.

Governance & Compliance Framework

Ensures transparency, auditability, and regulatory alignment across financing programs.

Core Capabilities

Core capabilities that power intelligent automation, seamless integration, and scalable performance across the entire ecosystem.

  • Support dynamic discounting, factoring, and reverse factoring models.

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Outcomes We Drive

Focused execution and intelligent automation deliver measurable improvements across the lending lifecycle, creating clear and sustained business impact.

Improved liquidity for suppliers
Stronger buyer-supplier relationships
Reduced supply chain disruption risk
Faster financing decisions and settlements
Enhanced transparency across supply chain portfolios
Scalable, compliant supply chain finance operations

Engagement Models

Engagement models designed to offer flexibility, transparency, and control.

Flexible models enable adaptive

scalable supply chain financing.

Transparent data improves visibility

across buyers and suppliers.

Institutions retain control

over risk, liquidity, and governance.

Scalable engagement supports

multi-party supply chain ecosystems.

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Case Highlights

Key engagements that showcase innovation, efficiency, and real business results.

Corporate Bank | APAC

Buyer-led SCF program improved supplier liquidity while controlling credit risk.

Manufacturing Group | Europe

Automated invoice financing reduced processing time and strengthened supplier engagement.

Trade Finance Provider | MEA

Predictive risk modeling improved financing accuracy across multi-tier supply chains.

Thought Leadership

Insights and perspectives that shape industry thinking and inspire state-of-the-art digital transformation.

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Unlock liquidity across the supply chain, with control

Zoral’s Adaptive Supply Chain Finance solution uses Olympus fOS to digitize and scale supply chain finance programs across buyers, suppliers, and partners. It enables faster, risk-aware financing decisions by combining configurable decisioning with real-time data signals, then automates onboarding, invoice workflows, approvals, and settlements to reduce manual effort. The solution improves visibility across counterparties and exposures, supports multiple program structures, and adapts eligibility, limits, and pricing as conditions change. With embedded governance and auditability, institutions can expand participation confidently while maintaining compliance discipline. The result is stronger supplier liquidity, improved buyer-supplier relationships, reduced disruption risk, and scalable supply chain finance operations with better risk-adjusted returns.

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