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

SCALE YOUR BUSINESS TO NEW HEIGHTS

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.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

Apply for Export Finance

Fill Out Application

Provide necessary business and export contract details online.

Receive Offers

Get matched with suitable lenders who provide competitive quotes.

Finalize Agreement

Review terms, select an offer, and complete the formalities to access funds.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

How much can I borrow with export finance?

What are the typical rates for export finance?

What is the eligibility for export finance services?

How quickly can export finance be arranged?

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June 30, 2025

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^Export Finance for Small Businesses

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

SCALE YOUR BUSINESS TO NEW HEIGHTS

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

Export Invoice Finance

Export Invoice Finance

Export Credit Insurance

Export Credit Insurance

Export Working Capital Facility

Export Working Capital Facility

Typical Funding Journeys on Funding Agent