LMS for Supply Chain

    A modern, purpose-built platform designed to digitize the complete lending lifecycle for Supply Chain Finance. CarmaOne LMS brings onboarding, disbursement, repayment, reconciliation, and closures into one intelligent, automated system. Scale faster, operate more efficiently, and maintain complete compliance across every transaction.

    Everything You Need to Succeed

    Powerful features designed to transform your business operations

    Advanced SCF structures — Paying Party Split, Flexi Tenure, Interest Split, Lock-in Period & Prepayment Handling with auto-adjustment

    Limit Management at Borrower, Anchor, and Program levels with automated related-party checks for compliance

    Straight-through processing with disbursements in under 2 minutes via auto-approval thresholds and H2H banking integration

    Fraud prevention — Invoice verification through GST portal, HSN code matching, E-way bill mapping, and duplication checks

    Virtual Account-based repayments — Unique VA per borrower with automatic loan allocation eliminating manual errors

    Automated bank reconciliation with two-way matching (LMS ↔ Bank) via AI or H2H integration

    Auto Accounting with ERPNext integration — T+1 basis updates enabling month-end closing by 3rd working day

    Frequently Asked Questions

    Get answers to common questions about LMS for Supply Chain

    CarmaOne LMS supports the most advanced and flexible SCF program structures. It handles Paying Party Split (dividing costs between anchor and borrower), Flexi Tenure (fixed or usage-based), Interest Split, Lock-in Period & Prepayment Handling with automatic excess interest calculation and auto-adjustment against future invoices, and Max Benefit Programs that auto-apply reduced interest rates for early repayments — all without manual intervention.
    During disbursal, the LMS automatically runs multiple checks: invoice verification through the GST portal, HSN code matching, E-way bill mapping for payload validation, and duplication and over-invoicing checks. The entire flow is integrated with banking systems via H2H. For smaller ticket sizes, lenders can enable auto-approval thresholds where all validations run automatically, allowing disbursals to complete in under two minutes — from invoice upload to loan activation.
    CarmaOne LMS offers powerful Limit Management at the Borrower, Anchor, and Program levels — with the ability to run multiple programs in parallel. Every disbursal is validated against available limits, and the system automatically performs related-party checks between the borrower and anchor to prevent conflicts and ensure full compliance. Limits are tracked in real-time and automatically enforced across all transactions.
    Each borrower receives a unique Virtual Account linked to their product. Whenever a payment is received in that VA, the LMS automatically applies it to the correct loan — fully eliminating manual allocation and errors. This ensures 100% accuracy in repayment tracking and instant loan updates without any operational overhead.
    FinOps teams can run daily reconciliation by simply uploading bank statements. If the bank is integrated via AI or H2H, this step isn't needed — the LMS performs a full two-way match: LMS → Bank and Bank → LMS. This ensures no repayment is missed, duplicated, or wrongly mapped, giving you complete confidence in your books and eliminating reconciliation gaps.
    The LMS is deeply integrated with ERPNext for seamless, automated accounting. No manual journals are required. Books update on a T+1 basis, enabling finance teams to complete month-end closing by the 3rd working day. This automation reduces accounting errors, speeds up financial close, and gives real-time visibility into portfolio health without manual data entry or reconciliation work.