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With supplier credit, the lender pays your supplier on your behalf, helping you pay for goods before you’ve received payment from your customers. This model improves cash flow, as repayments are typically scheduled when you sell the imported goods. Sectors such as retail, manufacturing, and wholesale often use supplier credit to enhance working capital and manage regular supplier orders.

With this option, your bank issues a legally binding guarantee to your supplier, reducing their payment risk and often enabling better terms for your business. The guarantee is only triggered once agreed conditions—such as shipment of goods—are fulfilled. This approach is especially useful for importers in textiles, electronics, and automotive parts where managing risk is crucial. Learn more about letters of credit.

Trade finance blends funding and risk mitigation, providing the capital to pay overseas suppliers and deal with customs or import costs. Lenders release funds based on your credit profile and agreement, with repayments linked to your sales cycle. This option is common in sectors requiring larger, regular import orders, like consumer goods, apparel, and industrial equipment. Discover more about trade finance.