With the rapid growth of the global digital economy, supply chain finance has entered the stage of platform development in view of the history, policy environment, market status and other factors. Supply chain finance relies on multiple supply chain stakeholders to carry out financial business, which needs to solve a variety of financial risk control and pricing issues. The financing model in supply chain finance can be differentiate from the traditional credit model. The service mode and leading mode of supply chain finance need to be adjusted in accordance with the changes of the industrial operation. Further, the business mode of supply chain finance shows a diversification trend, which includes traditional supply chain financial models such as accounts receivable, advance payment, inventory financing, and supply chain credit financing models. In this paper, we investigate the similarities between supply chain finance and options, and further introduce American call options to supply chain financial products under the mode of small and medium-sized enterprises’ (SMEs) accounts receivable financing. The price of supply chain financial products is derived through the trinomial tree option pricing model, which determines the corporate financing interest rates. The rationality of the proposed pricing model is validated in comparison with the medium and long-term load bank interest rates. The contribution of the paper is in providing SMEs with supply chain financial products under the accounts receivable model to resolve financing difficulties and the pricing the products through the trinomial budget pricing model.