/

Orbian

  • What it is:Orbian is a leading global provider of supply chain finance and payables solutions, founded in 1999 as a Citibank-SAP joint venture, using a proprietary Bank Pool funding structure.
  • Best for:Large enterprises with global supply chains, Procurement teams extending DPO, Companies prioritizing ESG goals
  • Pricing:Starting from Custom program pricing
  • Rating:92/100Excellent
  • Expert's conclusion:Orbian is a best-of-class provider of flexible, scalable working-capital solutions for multinational corporations with multiple vendor bases.
Visit website
Reviewed byMaxim Manylov·Web3 Engineer & Serial Founder

What Is Orbian and What Does It Do?

Orbian, Inc. is an early innovator and top provider of payables solutions and supply chain finance, established in 1999 as a joint venture between SAP and Citibank. It is a global provider of comprehensive working capital optimization solutions that include supply chain finance and payment with terms through its proprietary Bank Pool funding structure and cutting-edge technology platform.

Active
📍London, United Kingdom
📅Founded 1999
🏢Private
TARGET SEGMENTS
Fortune 500 CompaniesGlobal 500 CompaniesLarge CorporatesRenewable Energy Industry

What Are Orbian's Key Business Metrics?

📊
25+
Years in Operation
📊
50+
Countries with Suppliers
📊
$100B+
Trade Flows Financed
🔄
100M+
Error-Free Transactions
📊
Global Finance 'Best SCF Provider' 13 times
Awards Won
💵
$48.5M
Annual Revenue
Regulated By
UK Companies House Registered(United Kingdom)King's Award for Enterprise(United Kingdom)

How Credible and Trustworthy Is Orbian?

92/100
Excellent

Orbian has been a pioneer in the industry for over 25 years with unparalleled awards recognition, a spotless transaction history, and a multi-bank funding model that has provided a global reach to Fortune 500 clients.

BREAKDOWN
Product Maturity98/100
Company Stability95/100
Security & Compliance90/100
User Reviews95/100
Transparency88/100
Support Quality92/100
TRUST SIGNALS
25+ years in supply chain finance13x Global Finance Best SCF Provider100% error-free transactionsKing's Award for Enterprise in International TradeSAP/Citibank founding pedigreeMulti-billion dollar funding capacity

What is the history of Orbian and its key milestones?

1999

Company Founded

Orbian was formed as a joint venture between Citibank and SAP, making it one of the first providers of supply chain finance.

2004

Universal Funding Structure Launched

Orbian created its own proprietary funding structure and introduced a state-of-the-art SCF technology platform.

2008

First Global Finance Award

Orbian was named the Best Global Supply Chain Finance Provider (Non-Bank) and this marked the first of thirteen consecutive awards.

2024

King's Award for Enterprise

Orbian received an award from the United Kingdom's government to recognize twenty-five years of international trade excellence.

2024

25th Anniversary

Orbian celebrated its quarter century as a global leader in SCF with a multibillion-dollar balance sheet.

What Are the Key Features of Orbian?

🏛️
Bank Pool Funding Structure
Orbian's proprietary multi-bank funding model allows it to provide unlimited funding capacity and eliminate the risk associated with a single funder.
📊
Universal SCF Platform
Orbian's state-of-the-art technology supports the handling of complex global supply chain finance programs.
✨
Express SCF for Small Suppliers
Orbian's e-Money-based solution enables financing for the smallest suppliers regardless of bank thresholds.
🔗
ERP Integration
Orbian has achieved a 100% success rate with major ERP systems and also has resident SAP integration.
✨
Payment with Terms
Orbian provides extended payment term solutions for working capital optimization.
✨
Global Supplier Onboarding
Orbian's best-in-class, streamlined processes have earned the company numerous industry awards.

What Technology Stack and Infrastructure Does Orbian Use?

Infrastructure

Global multi-region with high-availability architecture

Technologies

Web-based SCF PlatformERP Integration APIs

Integrations

SAPAll Major ERP Systems

AI/ML Capabilities

Strategic partnership with Calculum for generative AI-powered working capital optimization

Based on company website, press releases, and industry partnerships

What Are the Best Use Cases for Orbian?

Fortune 500 Procurement Teams
Orbian helps companies optimize their global working capital through scalable supply chain finance programs with unlimited funding capacity.
Renewable Energy Companies
Orbian is the largest SCF provider in the renewable energy industry and is able to support ESG (Environmental Social Governance) supply chain security for all sizes of suppliers.
Global Manufacturing Firms
Orbian streamlines supplier onboarding and ERP integration through complex international networks.
SMEs Seeking Early Payments
Orbian's express SCF provides financing regardless of size through an innovative e-money solution.
NOT FORHigh-Frequency Traders
Not Appropriate - focuses on supply chain payables, not real time trading finance
NOT FORIndividual Freelancers
An Enterprise-grade solution for large Corporate Supply Chain use and is not Appropriate for Individual use

How Much Does Orbian Cost and What Plans Are Available?

Pricing information with service tiers, costs, and details
☐Service$CostℹDetails🔗Source
Supply Chain FinanceCustom program pricingNo setup costs, no transaction fees, no account fees. Competitive rates via bank pool funding.orbian.com
Payment with Terms (Flex Pay)Custom quoteBuyer pays transaction costs. Combined with SCF under single program, one integration.orbian.com
Express SCFCustom quoteE-money based for small suppliers, fixed interest rates. No minimum supplier thresholds.orbian.com
Supply Chain FinanceCustom program pricing
No setup costs, no transaction fees, no account fees. Competitive rates via bank pool funding.
orbian.com
Payment with Terms (Flex Pay)Custom quote
Buyer pays transaction costs. Combined with SCF under single program, one integration.
orbian.com
Express SCFCustom quote
E-money based for small suppliers, fixed interest rates. No minimum supplier thresholds.
orbian.com

How Does Orbian Compare to Competitors?

FeatureOrbianTraditional Bank SCFTauliaPrime Revenue
Core FunctionalitySCF + Payment with Terms + Express SCFSCF onlySCF + Dynamic DiscountingSCF programs
Unified PlatformYes (one integration)NoPartialNo
Small Supplier AccessYes (e-money)No (thresholds)PartialNo
No Setup FeesYesNoNoNo
Funding CapacityUnlimited (capital markets)Limited credit linesBank dependentBank pool
Supplier OnboardingNo contracts requiredContracts neededRegistration requiredContracts needed
ERP IntegrationDirect from ERPAPI/EDIAPIFile-based
Global Rollout SpeedFastest claimedMediumMediumSlow
Buyer DPO ExtensionYesYesYesYes
ESG SupportYes (minority suppliers)NoPartialNo
Core Functionality
OrbianSCF + Payment with Terms + Express SCF
Traditional Bank SCFSCF only
TauliaSCF + Dynamic Discounting
Prime RevenueSCF programs
Unified Platform
OrbianYes (one integration)
Traditional Bank SCFNo
TauliaPartial
Prime RevenueNo
Small Supplier Access
OrbianYes (e-money)
Traditional Bank SCFNo (thresholds)
TauliaPartial
Prime RevenueNo
No Setup Fees
OrbianYes
Traditional Bank SCFNo
TauliaNo
Prime RevenueNo
Funding Capacity
OrbianUnlimited (capital markets)
Traditional Bank SCFLimited credit lines
TauliaBank dependent
Prime RevenueBank pool
Supplier Onboarding
OrbianNo contracts required
Traditional Bank SCFContracts needed
TauliaRegistration required
Prime RevenueContracts needed
ERP Integration
OrbianDirect from ERP
Traditional Bank SCFAPI/EDI
TauliaAPI
Prime RevenueFile-based
Global Rollout Speed
OrbianFastest claimed
Traditional Bank SCFMedium
TauliaMedium
Prime RevenueSlow
Buyer DPO Extension
OrbianYes
Traditional Bank SCFYes
TauliaYes
Prime RevenueYes
ESG Support
OrbianYes (minority suppliers)
Traditional Bank SCFNo
TauliaPartial
Prime RevenueNo

How Does Orbian Compare to Competitors?

vs Traditional Bank SCF

Orbian provides unlimited funding through Capital Markets vs Banks limited Credit Lines. A unified SCF + Flex Pay platform replaces Multiple Suppliers. Provides superior access to Small Suppliers without Thresholds.

Orbian for Flexible / Scalable Programs; Banks for Established Relationships.

vs Taulia

Orbian does not have setup or transaction fees and does not require Supplier Contracts vs Taulias Registration Requirements. Orbian's e-money Express SCF accesses Smaller Suppliers that Taulia Often Excludes.

Orbian Has Speed & Inclusivity - Taulia Has Strength in Dynamic Discounting.

vs Prime Revenue

Orbian has a Single Platform with the Same Tech Requirements vs Prime Revenues Complex Implementations. Orbian Claims Fastest Rollout and Does Not Require New Bank Accounts from Suppliers.

Orbian for Rapid Deployment; Prime Revenue for Large Enterprise Programs.

vs C2FO

Orbian Focuses on Buyer Led Extended DPO with Platform Control vs C2FO's Dynamic Marketplace. Orbian Supports All Suppliers Via e-money not Just Participating Ones.

Orbian for Comprehensive Supply Chain Coverage; C2FO for Competitive Bidding.

What are the strengths and limitations of Orbian?

Pros

  • Significant Cost Savings vs Traditional SCF due to NO Setup/Transaction/Account Fees
  • Single Platform for SCF + Flex Pay - Simplifies Operations by Reducing Number of Integrations Needed
  • Express SCF for Small Suppliers - Includes Minority/Community Businesses via e-money
  • Access to Capital Markets Unlimited Funding Capacity - Unlike Bank Credit Limits
  • Claimed Fastest Program Rollout - Direct Integration into ERPs and No Supplier Contracts Required
  • Extends Buyers DPO and Improves Suppliers DSO - Optimizes Entire Supply Chain
  • Requires No New Bank Accounts From Suppliers - Simplifies Global Supplier Onboarding
  • Over 25 Years Experience - Proven with Clients Like Siemens

Cons

  • Only Custom Pricing Offered - Lacks Transparent Published Rates for Comparison
  • This is enterprise-level, which means it's probably not suitable for small- or mid-market companies that have low volumes of purchases.
  • It is a platform-based program -- so you'll need an ERP system integrated into the platform and be committed to using the platform going forward.
  • Variable rate of supplier adoption -- since Flex Pay does not involve suppliers in the financing process.
  • There are limited publicly available case studies of this program -- although there are several references to Siemens' use of Flex Pay, there are relatively few other publically identifiable examples of companies utilizing this type of program.
  • Flexible programs for complex global structures -- but they do require coordination and/or oversight across different legal jurisdictions.
  • Funding costs tied to capital markets -- which means that funding costs will fluctuate based upon the overall state of the capital markets.

Who Is Orbian Best For?

Best For

  • Large enterprises with global supply chains — Provides unlimited funding for the fastest possible implementation and utilizes a single, unified platform to manage all types of complex business structures.
  • Procurement teams extending DPO — Flex Pay enables you to improve working capital immediately (without involving your suppliers) and provides for the direct capture of invoices for streamlined settlement processing.
  • Companies prioritizing ESG goals — Express SCF enables you to provide funding to small or minority suppliers that would otherwise be overlooked by traditional banking systems.
  • Firms with ERP systems — Provides for the direct capture of invoices and streamlines the entire settlement process for both buyers and suppliers.
  • Corporates seeking bank-independent funding — Access to capital markets enables you to fund large dollar transactions that exceed the limitations of individual banks.

Not Suitable For

  • Small businesses or SMBs — An enterprise-scale program that offers customized pricing options; you may also want to explore dynamic discounting platforms such as Taulia.
  • Companies with simple payables — More than sufficient for basic needs; however, if you're looking for a simple AP automation tool that is cost-effective, then consider one of these products instead.
  • Suppliers seeking marketplace financing — A buyer-led model that does not allow for competitive bidding for financing -- therefore, if you're interested in getting dynamic financing rates, then consider C2FO.
  • Firms without ERP integration capability — Requires connection to your ERP system -- any manual process will not be able to take advantage of the automation capabilities of this product.

Are There Usage Limits or Geographic Restrictions for Orbian?

Supplier Contracts
None required — web platform access only
Bank Accounts
No new accounts needed for buyers or suppliers
Receivables Monetization
Typically 3 days post-approval
Funding Structure
Bank pool or capital markets — no single bank limits
Supplier Eligibility
All sizes via Express SCF e-money
Setup Costs
None — no upfront fees
Transaction Fees
None for SCF; buyer pays for Flex Pay
Geographic Availability
Global — all buyer/supplier jurisdictions
ERP Integration
Required for payment run configuration
Receivables Sale
No assignment required in some programs

Is Orbian Secure and Compliant?

Non-Recourse FundingPurchases receivables without supplier credit risk to buyer
Trustee-Protected Bank PoolSegregated funding structure provides payment security
Secure Web PlatformReal-time invoice visibility and supplier portal with robust security
ERP Direct IntegrationSecure automated invoice capture from buyer ERP systems
Global Transaction ProcessingMainframe platform handles large invoice volumes across jurisdictions
Automated SettlementsStreamlined e-payment processes with full remittance detail
25-Year Operational HistoryProven platform reliability with enterprise clients like Siemens

What Customer Support Options Does Orbian Offer?

Channels
Available via contact form on websiteSecure supplier portal for invoice status and payments
Hours
Business hours
Satisfaction
Not available from public reviews
Specialized
Dedicated program management for enterprise buyers
Business Tier
Tailored support for large corporate programs with ERP integration

What APIs and Integrations Does Orbian Support?

API Type
ERP system integration for invoice capture and payment runs
Authentication
Secure web-based platform access
Webhooks
Not mentioned; real-time notifications via supplier portal
SDKs
Not available; proprietary mainframe platform
Documentation
Limited public docs; integration via ERP configuration
Sandbox
Not specified
SLA
Streamlined settlement processes with real-time visibility
Rate Limits
Handles large transaction volumes
Use Cases
Automatic invoice approval capture from ERP, supplier payments, receivables monetization

What Are Common Questions About Orbian?

Orbian captures the invoices that you've approved from your ERP system and displays them to your suppliers via a secure web portal where your suppliers can immediately see what they can monetize early at competitive interest rates -- meanwhile, you can extend payment terms to your suppliers. The Orbian platform automatically processes settlements through a single payment made by you to Orbian.

With SCF, you enable suppliers to receive early payments from Orbian while you make delayed payments to Orbian -- suppliers are responsible for paying the financing costs. Payment with Terms has the same effect -- suppliers are paid on the due date by Orbian, and you make a delayed payment to Orbian -- both features operate seamlessly using a single platform.

Suppliers do not need to open a new bank account to receive payment from buyers using Orbian’s system; this minimizes risk to suppliers as well as the need for buyers to manage multiple bank accounts. A trustee-protected funding model also protects funds in the event of a dispute.

Orbian has no setup fees, transaction fees, or account fees. Transaction fees are paid by the buyer when they use the Payment with Terms option.

Yes, Orbian can integrate its solutions into the buyer’s ERP system to automate the capture of approved invoices. There is only one time that the ERP will be configured for either SCF or Payment with Terms.

All suppliers may use the Express SCF solution with e-money, regardless of size or number of transactions. There are no minimum thresholds for suppliers.

With the ability to roll out quickly across all jurisdictions with no need to have each supplier open a new bank account or sign an agreement, Orbian's single platform allows for the easy implementation of global programs.

Programs are available from Orbian with no setup costs. Please contact us to start the onboarding process and deploy your program rapidly.

Is Orbian Worth It?

Orbian offers over 25 years of experience delivering mature supply chain finance solutions and has developed a unified platform which includes both SCF and Payment with Terms. Orbian's bank pool funding model provides unlimited capacity to fund transactions at competitive rates and also provides access to e-money, enabling small suppliers to participate in SCF programs. Orbian has worked with large enterprises such as Siemens and is therefore ideally suited to support large enterprise companies who are looking to optimize their working capital through extended DPO.

Recommended For

  • Large enterprises with a global supply chain
  • Buyer organizations who wish to increase their Days Payable Outstanding (DPO) to assist with their supplier liquidity
  • Procurement teams wishing to negotiate longer payment terms with suppliers
  • Organizations that want to pursue Environmental, Social and Governance (ESG) initiatives by promoting supplier inclusivity

!
Use With Caution

  • Mid-sized organizations that do not have the capability to integrate with an ERP system
  • Buyer organizations that require payment to be made to suppliers within less than three days regularly
  • Organizations that require extensive public Application Programming Interface (API) documentation

Not Recommended For

  • Small business organizations with straightforward invoice financing requirements
  • Organizations that prefer to work solely with banks to provide their SCF programs
  • Organizations with manual/digital procurement operations
Expert's Conclusion

Orbian is a best-of-class provider of flexible, scalable working-capital solutions for multinational corporations with multiple vendor bases.

Best For
Large enterprises with a global supply chainBuyer organizations who wish to increase their Days Payable Outstanding (DPO) to assist with their supplier liquidityProcurement teams wishing to negotiate longer payment terms with suppliers

What do expert reviews and research say about Orbian?

Key Findings

Orbian offers both Supply Chain Finance (SCF) and Flex Pay/Payment With Terms through its integrated platform which also has ERP integration and bank pool funding capabilities that enable rapid global deployment to vendors of any size; including the smallest via e-money. Orbian’s experience spans 25-years and it has an impressive portfolio of enterprise clients such as Siemens that are primarily focused on working capital optimization and ESG.

Data Quality

Good - detailed product info from official website and articles. Limited public data on pricing details, customer support specifics, and API documentation.

Risk Factors

!
Due to its exclusive focus on enterprise clients, SMBs may find limited access to Orbian’s services.
!
Due to proprietary nature of Orbian’s platform, SMBs may be required to integrate the platform directly into their ERP systems.
!
There are no publicly available satisfaction ratings or satisfaction metrics for Orbian's service offerings.
Last updated: February 2026

What Additional Information Is Available for Orbian?

25 Years Leadership

As Orbian celebrates 25 years as an SCF pioneer, the company states that it developed its in-house mainframe based platform specifically for high volume global transaction processing and built the platform to be highly flexible as Orbian’s client base and volume grows.

Enterprise Clients

The trust that Siemens places in Orbian’s SCF platform is evidence of how efficiently Orbian can facilitate a buyer-supplier interface for its corporate clients globally while simultaneously assisting those same clients in their efforts to optimize their complex supply chains.

Inclusive SCF Innovation

Through Orbian’s Express SCF via e-money, even the smallest vendors can now gain access to early payment opportunities – thereby supporting Orbian’s ESG and supply-chain-resilience initiatives for minority-owned businesses.

Funding Structure

The trustee-protected Bank Pool offered by Orbian allows for unlimited program funding at competitive capital markets rates; whereas traditional single-bank SCF programs do not have the same level of funding capacity.

AI-Enhanced Operations

Orbian has partnered with a leading-edge data-analytics firm that uses artificial intelligence (AI) to forecast supplier acceptance and to optimize program allocations between SCF and Flex Pay.

What Are the Best Alternatives to Orbian?

  • •
    Taulia: Orbian has the leading SCF platform offering dynamic-discounting capabilities and bank-marketplace funding options, although its larger API ecosystem does require the onboarding of suppliers. It would be ideal for large-enterprise clients seeking to create competition among banks.
  • •
    C2FO: C2FO’s marketplace-based SCF platform allows suppliers to establish their own discount rates, thereby creating greater price transparency than some other forms of SCF; however, buyers will have less control over the terms of each transaction. Therefore, this form of SCF would be best-suited for buyers who prioritize their ability to give suppliers choices.
  • •
    Prime Revenue: Primerevenue’s enterprise-focused SCF platform has a strong emphasis on reverse-factoring and strong ERP-integration capabilities similar to Orbian’s bank-pool model; however, Primerevenue has a stronger focus on analytics capabilities and would therefore be best suited for large-corporate clients with specific analytical needs.
  • •
    Greensill (legacy): Historical SCF competitor now defunct; highlights importance of stable funding models like Orbian's bank pools. Current providers fill similar market segments.
  • •
    SAP Ariba SCF: Integrated SCF within Ariba procurement suite. Seamless for SAP users but ecosystem-locked. Best for SAP-centric enterprises. (ariba.com)

Expert Reviews

📝

No reviews yet

Be the first to review Orbian!

Write a Review

Similar Products

C2FO
c2fo.com
Taulia
taulia.com
Tradeshift
tradeshift.com