Commercial Finance
Trade Finance for Importers, Exporters and Wholesalers
Facilities that pay your suppliers up front so you can fulfil orders you would otherwise have to decline. Import and export finance, purchase order funding and letters of credit, arranged across specialist trade funders.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Fund the Gap Between Order and Payment
The hardest orders to fulfil are often the best ones. A supplier wants payment before goods leave the factory, shipping takes six weeks, your customer pays 60 days after delivery — and the working capital required sits well beyond a normal overdraft.
Trade finance bridges that cycle. The funder pays your supplier directly against a confirmed order, the goods ship, and the facility is repaid when your customer settles — often by rolling straight into an invoice finance line so the two facilities work as one.
Because the funding is tied to a specific transaction with an identifiable buyer, lenders can support order values well beyond what a business’s balance sheet alone would justify. It is the difference between taking a large contract and turning it away.
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What We Arrange
Trade facilities typically cover:
- Payment of overseas suppliers against confirmed orders
- Letters of credit and documentary collections
- Purchase order and contract funding
- Stock and inventory finance
- Import duty and VAT deferment funding
- Export finance backed by overseas buyer contracts
What This Means for You
Take the big order
Capacity is set by the strength of the transaction, not just your balance sheet — so large contracts become possible.
Better supplier pricing
Paying up front, or by letter of credit, usually earns discounts and priority production slots.
A complete cycle
Trade and invoice facilities can be combined so funding runs from supplier payment through to customer settlement.
Risk handled properly
Currency, shipping terms and buyer credit are all part of the conversation, not afterthoughts once the goods are at sea.
Frequently Asked Questions
Do I need a trading history to use trade finance?
You need a credible transaction more than a long history: a confirmed order from a creditworthy buyer, a reliable supplier and a realistic margin. Newer businesses can be funded where the trade cycle is sound, though funders will look closely at your experience in the sector.
Can trade finance be combined with invoice finance?
Yes, and it is often the strongest structure available. The trade facility pays your supplier, the invoice facility advances against the resulting sales invoice and repays the trade line. Where both sit with one funder, the whole cycle can be funded seamlessly.
Does it cover currency risk?
The facility itself does not, but it can be arranged in the currency of the transaction, and most funders work alongside FX providers so you can fix a rate when the order is placed. We will make sure that conversation happens before you commit to a price.
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Tell us about the order, the supplier and the buyer — we will tell you whether it is fundable and on what terms.