GE SCF products, services and reviews

About GE SCF

GE SCF is a supply chain finance program associated with General Electric that provides payables-financing and receivables solutions enabling corporate buyers to offer early payment to suppliers while preserving buyer working capital; the model typically routes supplier invoices through a platform where approved invoices can be financed at rates linked to the buyer’s credit profile, with integration options for common ERP systems and electronic invoicing. Services commonly offered include reverse factoring, dynamic discounting, and multi-bank or single-provider financing arrangements; implementation requires onboarding of suppliers, credit approval processes, and agreement on payment terms and fees. The main operational characteristics are buyer-sponsored credit extension, configurable payment terms, and a technology layer for invoice submission and payment tracking; benefits for buyers can include extended days payable outstanding and supply-chain stability, while suppliers may gain faster access to cash at financing costs that reflect the buyer’s creditworthiness rather than the supplier’s. Considerations for prospective users include platform fees, the administrative burden of onboarding and reconciliation, potential impacts on supplier relationships if terms change, and concentration risk if a buyer’s credit deteriorates; regulatory and accounting treatment for buyers and suppliers should be assessed with advisers. Performance, pricing and customer-service experience vary by program and counterparties, so comparison with competing supply-chain finance providers and a careful review of contractual terms are recommended before enrollment.