AP Financing

Better return on capital and stronger supplier relations through early payments with discounts for Buyers. Flexible early payment options for Sellers to manage cash flows better


Enables early payment discount management through a single platform

Supports Vendor Financing from lenders based on accepted invoices through integration with Corporate

Supports discounting offer configuration at vendor and invoice level when using own funds

Helps to avoid manual invoice data entry in Corporate’s ERP through AI/ML based automation

Supports discounting offer communication through multiple channels, and enables auto or workflow-based payment acceptance

Can be integrated with our payments solution for end to end payment automation for Corporates

Supports seamless vendor financing from lenders based on invoice acceptance. Direct ERP integration for invoice validation and automation

The integrated payment solution enables end-to-end payment automation with routing, coding and AML compliance

AP Financing - Features


Aggregate invoices – incoming vendor invoice (emails, physical invoice scans) Enabled via vendor portal, SFTP, etc.

Receive early payments with flexible discount terms directly from the Buyer or our multiple lending partners

Multiple loan disbursal options of Corporate initiated as well as Dealer initiated payment requests supported

Single platform to facilitate all the process requirements in dealing with lenders

Auto-read invoices leveraging PayEX’s proprietary document extractor and context analyser

Communicate a revised early payment discount offer to Buyer, auto-receive matched acceptance

Validate / enhance invoices – apply rules such as PO validation, vendor coding, tax data

Real-time invoice and payment status through our portal for tracking and management

ERP intake automation – auto enter the invoice post validations into ERP. Most large ERPs/ accounting systems supported

Reconciliation support through data download and recon statements


For Buyers

For Sellers

What our customers have to say


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J.P. Morgan

J.P. Morgan Corporate & Investment Bank

J.P. Morgan’s Corporate & Investment Bank is a global leader across banking, markets and investor services. The world’s most important corporations, governments and institutions entrust us with their business in more than 100 countries. With $24 trillion of assets under custody and $444 billion in deposits, the Corporate & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

Jaideep Khanna

Jaideep Khanna

Jaideep Khanna is the founder of Ananta Family Office managing investments across listed and private markets with a focus on technology, sustainability, and real estate. Prior to Ananta, Jaideep was a partner and co-founder of Artha Capital Management, an emerging market fund based in Connecticut. He co-founded the firm in May 2002 and served as president, portfolio manager, and director. Prior to starting Artha, Jaideep was an executive director and managed pools of funds at Morgan Stanley Asset Management in New York and London. He is a founder and remains a trustee of Ashoka University, New Delhi and previously served on the International Advisory Board, Center for Advanced Study of India at the University of Pennsylvania.

Pranav Shirke

Pranav Shirke

VP of Product and Alliances

Pranav is the VP of Product and Alliances at B2B fintech Global PayEX that focusses on improving working capital efficiency in order-to-cash & procure-to-pay cycle. 

Pranav comes with over 15 years of experience in consulting, product management, and systems engineering, across technology, transportation, and insurance sectors. 

He has previously worked at Infosys and Tata Consultancy Service, India’s most valuable IT companies. Pranav most recently worked at Tata AIA Life Insurance. 

Having co-founded two startups in the space of health and transportation, Pranav brings an entrepreneurial mindset to tech innovation. 

An alumnus of the prestigious Indian Institute of Management – Calcutta, Pranav has a Bachelors in Engineering from Veermata Jijabai Technological Institute.

Pranav is based in Mumbai, India.

Anu Agrawal

Anu Agrawal

Executive Vice President & Head, North America

Anu Agrawal heads the North American business for Global PayEX and is responsible to establish & grow the North American market.

Being a tech entrepreneur with a successful exit, Anu has worked with tech start-ups and global giants and specializes in setting up new regions and taking them to scale. He has over 2 decades of global experience in working in leadership positions in banking, cards & payments, trading, hi-tech, and SaaS companies such as Hewlett Packard, Icertis (CloudMoyo), and MphasiS.

He holds an MBA degree and a bachelor’s degree in computer science.

David Cowles

David is an advisor at Global PayEX, where he brings his years of applied AI experience to our products and services. Additionally, he is also the Senior Vice President at Afiniti, which is the world’s leading applied AI and advanced analytics provider. His leadership has led the Afiniti team to customer success by providing a more personalized customer experience and in creating a path for long-term customer value bridging strategy.

David is a seasoned management consultant with over 12 years of focused experience in the domains of analytics, digital commerce, social media, big data, and financial management. Previously, he has held important portfolios such as, Board Advisor and Investor at Veravas,Inc., where he was instrumental in developing technology that would measure the potential of low abundance biomarkers, needed to better diagnose and treat rare and common diseases. Besides, David has served as the Chief Operations Officer at CogWellin-BIO Tech Venture Company; as the Chief Digital Officer at MAXIMUS, and Managing Director at PwC and Accenture, where his management consulting prowess has helped sway influence across multiple industry groups including communications, healthcare, financial, consumer goods, manufacturing, and entertainment. He graduated with Bachelors of Science in Industrial Engineering from Syracuse University and went on to lead the technical team at JPMorgan Chase & Co., enabling them to build and support several trading applications.

Anu Agrawal

Anu Agrawal

Executive Vice President & Head, North America

Anu Agrawal heads the North American business for Global PayEX and is responsible to establish & grow the North American market.

Being a tech entrepreneur with a successful exit, Anu has worked with tech start-ups and global giants and specializes in setting up new regions and taking them to scale. He has over 2 decades of global experience in working in leadership positions in banking, cards & payments, trading, hi-tech, and SaaS companies such as Hewlett Packard, Icertis (CloudMoyo), and MphasiS.

He holds an MBA degree and a bachelor’s degree in computer science.

Jeroen Tas

Jeroen Tas

Jeroen Tas is currently the Chief Innovation & Strategy Officer at Philips Healthcare. Tas is also a member of the Executive Committee at Royal Philips. Prior to that Tas served as the CEO of Philips health Informatics Solutions and Services and previously the Group CIO of Philips. He has also been the head of Citicorp’s Transaction technologies and worked for Digital Equipment and Philips Electronics in international marketing and project management positions in the USA, Europe and Asia. He has won the NASSCOM Global CIO of the year 2014, E&Y Entrepreneur of the year, 2004, and the Dutch CIO of the year in 2013. Jeroen has been named the Innovator of the Year by Philips in 2015 and is also a co-founder of MphasiS. He holds an MBA from the Free University of Amsterdam.

Investor - Jaithirth (Jerry) Rao

Jaithirth (Jerry) Rao

Jerry is currently Chairman of Value Budget Housing Development Corporate of India Pvt. Ltd. He held several positions in Citicorp in Asia, Europe, South America, and North America. He co-founded MphasiS, India’s 5th largest IT company, which was acquired by EDS/HP in 2008. MphasiS clients included JPMorgan Chase, Citibank, Deutsche Bank, Charles Schwab, TD Bank, FedEx, and HP. He has been Chairman of NASSCOM and E&Y Entrepreneur of the Year, 2004.

He is an alumnus of Loyola College Chennai, IIM Ahmedabad and the University of Chicago. He is also Entrepreneur-in-Residence at Harvard Business School and teaches at IIM, Ahmedabad and IIT Mumbai.

Peter Radcliffe

Peter Radcliffe

Peter has held senior executive positions in four FTSE 100 and Fortune 250 banking/payment and technology companies and has served as a main board director of both UK and US FinTech publicly quoted companies. A FinTech investor who has been involved with entrepreneurship at London Business School [LBS] for over 20 years, having been President of Enterprise 100 LBS for 3 years. Has been Chairman/Director of technology/payments companies in UK, US, Brussels, Turkey, India, Hong Kong and Indonesia having wide experience in M & A. He is currently President of P20, the Industry body dedicated to making payments accessible, affordable and secure for all, through collaborative change.

Alok Misra

Alok Misra is the Chief Operating Officer of General Atlantic’s India office and an Operating Partner. In this role, he provides strategic support and financial expertise to the firm’s investment teams and portfolio companies with a
focus on the India & Asia-Pacific region. Before joining General Atlantic in 2013, Alok served as Group Chief Financial Officer at WNS Group, where he helped lead the company through significant expansion and transformation. Prior to that, he was Group Chief Financial Officer of MphasiS BFL Group (now part of the HewlettPackard Company) and served in a number of accounting and finance roles at other firms, including I.T.C. Limited and PwC. Alok is a Fellow Member of the Institute of Chartered Accountants of India.

Head of Product- Sourabh Palit

Sourabh Palit

Head of Product

Sourabh Palit has over 26 years of experience in Banking and Technology. His banking experience spans Product, Technology, Operations, and Sales in some of the premier private sector and MNC banks in India. He started his career in banking with HDFC Bank and his last stint was with ICICI Bank. He has also worked as Global Head of Product – Transaction Banking for a large Indian Technology company.

Sourabh is a graduate of Delhi University with specializations in Mathematics and Economics.

CFO- Rupesh Nambiar

Rupesh Nambiar


Rupesh Nambiar has held finance leadership roles in companies across industries – from the launch stage to IPO. His experience includes business strategy, planning, controllership, setting up processes and metrics, accounting, analytics, M&A, taxation, fundraising from Private Equity/HNIs, IPO in NYSE and LSE, Debt funding, risk management, financial reporting, corporate governance, and investor relations.

He is a Chartered Accountant from the Institute of Chartered Accountants of India.

COO- Stuart Jackson

Stuart Jackson


Stuart Jackson comes with a wealth of leadership role experiences from various financial institutions in the UK, Europe, the Middle East and Asia. Having worked for large corporates including Barclays as a Regional Director in Business Banking and DLL (Rabo Bank) in Asset Finance, he also brings valuable experiences from entrepreneurial endeavors.

Originally from Scotland, Stuart holds an honors degree in Chemistry from Aberdeen University.

CTO - Abhilash Edakadampil

Abhilash Edakadampil


Abhilash Edakadampil comes with 15+ years of technology + entrepreneurship experience. He served as the CEO of Byzan Systems Pvt Ltd., a 28-year BFSI services organization that serves leading Indian and global banks. He has also worked with MIT Media Labs (Boston), Deloitte US (Mclean, Virginia), Amtrak (Washington DC). He has architected multiple turnkey BFSI products including Financial Messaging Systems that handle more than 100M+ transactions/ day.

He is a computer engineer with a Master’s degree from Carnegie Mellon University.

CRO - Narayan Ramamoorthy

Narayan Ramamoorthy


Naru specializes in growing P&Ls leveraging technology, process, operations, and market needs. He brings over 2 decades of experience in scaling businesses across most continents (US, UK/ Europe, India/ Asia/ GCC, Africa and Australia). He has held leadership roles in industries ranging from payments, banking & financial services and retail in Wipro, Tesco, Finablr, Thomson Reuters, and MphasiS.

He holds an MBA degree from the Indian Institute of Management, Calcutta and a Computer Science engineering degree from VJTI, Mumbai.

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