Business Finance
Pay suppliers before your customer pays you
Fund the gap between paying a supplier and being paid, usually against a confirmed order.
- Facility
- £50,000 to £5m
- Term
- 30 to 180 day cycles
- Scope
- Import, export and domestic
- Security
- Usually security-light
What it is
Trade finance funds the gap between paying a supplier and being paid by your customer. The funder settles the supplier, often against a confirmed order, and you repay once the goods are sold and the invoice clears. Letters of credit, purchase order funding and stock finance all sit under this heading.
It works best for importers with firm orders they cannot fund from cash. Trade finance and invoice finance stack: trade finance pays the supplier, invoice finance releases the cash once you have invoiced the customer, and together they cover the full cycle. Facilities are usually security-light because the goods and the underlying contract do the work.
Who it suits
- You import against confirmed orders you cannot fund from working capital.
- You need suppliers paid on deposit terms before your customer settles.
- You want a facility that stacks with invoice finance across the whole cycle.
- You trade internationally and need letters of credit or documentary collections.
Tell us what you need to fund
Four quick details and Reece comes back within one working day.
How it works with us
Conversation
One call to understand the deal, the timescale and the exit. You get a straight read on whether it funds before anything else happens.
Terms
Indicative terms within 24 hours, with the cost stated in pounds and the trade-offs named, so you decide before an application goes in.
Lender selection
We place it with the lender on our panel of over 165 that fits the case, not the one that pays us the most. Where a product is wrong for you, we say so.
Drawdown
We manage valuation, legals and conditions through to drawdown, and stay your single point of contact until the funds land.
Common questions
Usually yes. Funders lend against a firm purchase order or contract rather than a forecast.
