Glossary
White Label
White labelling in financial services refers to the practice of one company’s product or platform being rebranded and offered by another company under their own name and identity. In supply chain finance, white labelling means that banks, financial institutions, and enterprise technology providers can offer a full SCF platform (its technology, workflows, and financing capabilities) to their own clients, under their own brand.
What It Is
A white label product is built by one provider but sold by another. The end user sees only the brand of the company presenting the product, not the underlying technology provider. In financial services, white labelling is widespread: many corporate banking portals, insurance platforms, and payment solutions that appear to be proprietary bank products are in fact built on third-party technology platforms, rebranded and configured for the presenting institution.
For supply chain finance, white labelling allows banks and financial institutions to offer SCF technology to their corporate clients without the 18–36 month development cycle and significant engineering investment required to build it from scratch. They bring the client relationships, regulatory status, and balance sheet; the technology provider brings the platform, operational infrastructure, and SCF expertise.
How White Label Works
Platform technology: full SCF platform, invoice management, early payment workflows, approval engines, reporting; partner controls none, consumed as is.
Branding: customisable, partner logo, colour scheme, domain; partner controls the full brand presentation.
Product configuration: configurable parameters, discount rates, eligible tenors, programme structures; partner controls programme design and pricing.
User onboarding: KYC/KYB flows, supplier onboarding tools; partner controls client-facing communication and relationship.
Funding: provider balance sheet or partner balance sheet (depending on structure); partner provides capital if self-funded.
Customer support: platform support; partner controls front-line relationship management.
Reporting: full programme analytics and data exports; partner controls client-facing reporting presentation.
White Label Structures
Technology-Only White Label. The bank or institution uses the platform as the technology backbone for its own SCF programme.