Vayana

In today's volatile economic landscape, accounts receivable and accounts payable have evolved from routine back-office processing tasks into vital strategic levers for balance sheet optimization. Traditional month-end accounting cycles and fragmented cash

A buyer looking at a ten-year-old car consults an independent mechanic before signing anything. The engine, chassis, odometer, service history, and insurance and RTO records all get a thorough review, because a car's real condition cannot be judged from i

In early March 2026, tier-2 foundries of a Pune auto-ancillary manufacturer began quoting longer lead times. The West Asia war had just begun, and the imported alloy they depended on was stuck weeks further out, one casualty among many stranded vessels in

A hotel chain with forty properties spread across a dozen states has forty separate electricity bills, which means forty DISCOMs, forty billing cycles, forty formats, and forty points at which a bill can be missed or paid late. Hospitality is different fr

As GST completes nine years, input tax credit remains a major challenge for businesses as supplier defaults, invoice mismatches and compliance rules delay credit and lock up working capital

"Can we approve this customer's credit limit today?" "Collections say payment is now 45 days overdue." "The sales team wants to onboard a new large buyer before month-end." "One of our key suppliers is asking whether financing can be arranged." For many C

A supplier submits an invoice for financing at the end of the business day. Traditionally, the request would move through multiple stages of review. Financial statements would be examined, credit reports retrieved, documents verified, and risk assessments

Despite the global headwinds, India continues to remain the world's fastest-growing economy. This means that all the engines of our GDP are moving at speed from FMCG, logistics to auto components and pharmaceuticals. But behind this growth lies a challeng

In 2024, India's SEBI mandated Business Responsibility and Sustainability Reporting (BRSR) for the top 1,000 listed companies. The implication is stark: your green loan rate is no longer set in the boardroom; it is being calculated by every supplier in th

Deepanjan Chattopadhyay, CPTO of Vayana, one of the leading trade credit infrastructure and fintech platforms, discusses how the company is scaling AI-native AR/AP solutions, enabling faster and smarter credit decisions, and building intelligent liquidity