Where the pressure develops
Wholesale businesses may need to pay suppliers before goods are delivered and before customers settle the resulting invoice.
Sector focus
Fund stock and confirmed orders without exhausting working capital.
Wholesale businesses may need to pay suppliers before goods are delivered and before customers settle the resulting invoice.
What helps the assessment
Purchase orders, supplier terms, customer orders, gross margin and logistics. Clear information reduces avoidable delays and makes an initial fit discussion more useful.
What the facility must achieve
The facility needs to match the timing of the underlying commercial cycle and provide a credible route to repayment.
Sector-specific discussion
Bring the customer terms, expected funding cycle and any existing finance arrangements to the call.
Common questions
Questions to consider before applying
Can trade finance fund imported goods?
Potentially, where supplier, logistics, customer order, margin and repayment route can be verified and the transaction meets underwriting requirements.
Can invoice finance take over after delivery?
It may support eligible invoices after goods are delivered and accepted, creating a linked purchase-to-payment structure.
What information is most important?
Confirmed purchase and sales orders, supplier terms, shipping details, gross margin, customer quality and insurance or inspection arrangements may all be relevant.