FINANCE OPTIONS

^Export Finance for Small Businesses

Q: How much can I borrow with export finance?

With export finance, UK SMEs can borrow amounts from £10,000 to £5,000,000, depending on the company's financial status and export contract sizes. This ensures flexibility and scalability to meet different needs.

Q: What are the typical rates for export finance?

The typical interest rates for export finance range from 1.5% to 8%, influenced by risk assessments, buyer credit risk, and country risk. Fees might include arrangement and insurance premiums.

Q: What is the eligibility for export finance services?

Eligibility generally requires being a UK SME with a history of exporting goods/services. Specific criteria depend on the chosen finance type, such as demonstrating export contracts for working capital facilities.

Q: How quickly can export finance be arranged?

The decision time varies by product: 2-5 working days for invoice finance and up to 4 weeks for working capital facilities. Document completeness and transaction complexity can affect speed.

Export Finance for Small Businesses is a financial solution tailored to assist UK SMEs in navigating international markets. It provides crucial support in managing cash flow, mitigating risks, and facilitating smooth operations for exporting goods or services. Key benefits include enhanced liquidity, risk reduction, and competitiveness by offering attractive payment terms internationally.

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What are the ^benefits of Export Finance for Small Businesses?

One significant advantage of using export finance is improved cash flow through solutions like Export Invoice Finance. With borrowing capacities ranging from £10,000 to £5,000,000 and decision times as swift as 2-5 working days, these financial products help ensure stability and promote growth in foreign markets while managing costs effectively.

Improves cash flow

Reduces financial risk

Boosts global competitiveness

What are the different types of Export Finance for Small Businesses?

Export Invoice Finance

Export Invoice Finance offers UK SMEs access to £10,000 to £5,000,000 by advancing payments on export invoices, improving cash flow without waiting for customer payments.

Export Invoice Finance

This option has interest rates from 1.5% to 3.5% over the base rate, with a decision time of 2-5 working days. Sectors like manufacturing and retail can leverage this facility to streamline working capital needs efficiently.

Export Credit Insurance

Designed to protect exports against non-payment risks, this insurance covers SMEs, evaluating buyer creditworthiness and country risk.

Export Credit Insurance

Credit insurance helps mitigate insolvency and political risks, with underwriting decisions made within 1-3 weeks. Industries such as agriculture benefit by securing against payment defaults, allowing smoother international trade.

Export Working Capital Facility

Helps SMEs secure between £50,000 to £2,000,000 in working capital to meet contract obligations, purchase materials, and manage cash flow gaps.

Export Working Capital Facility

With lending terms of 6 to 36 months and interest rates from 3% to 8%, this facility aids sectors like textiles and automotive, supporting production and operational costs while awaiting payment cycles.

What is Export Finance for Small Businesses?

Application Process Overview

Applying for export finance involves submitting financial statements and contracts. We streamline this process to ensure swift decisions, typically within initial 2-5 days for invoice finance, up to 4 weeks for others.

Regulatory Requirements

Providers must adhere to FCA regulations, guaranteeing compliance with lending standards. Our services excel in navigating regulatory frameworks, ensuring secure and compliant finance solutions.

Borrowing Capacity Insight

Export finance borrowing capacity spans £10,000 to £5,000,000. Key factors include the company’s financial health, contract size, and client creditworthiness, allowing tailored solutions to meet diverse business needs.