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Trade Finance for Retail – Get a Quote Today

Trade finance is crucial for retail businesses, facilitating the procurement of goods across borders and helping manage cash flow needs. By leveraging trade finance solutions, retailers can efficiently purchase inventory and restock without immediate cash payment, thus enhancing operational capabilities.

Trade Finance

Secure up to £500,000 in Trade Finance with Funding Agent.

  • Quick and easy application process
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of Trade Finance for Retail?

One of the biggest benefits of trade finance is the improved cash flow management it offers. Retailers can use this financial flexibility to mitigate risks, secure better terms, and accelerate business growth. With fast decision times and competitive rates, you can find a solution that meets your financial needs.

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Improves cash flow
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Reduces payment risks
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Enhances purchasing power

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What are the different types of Trade Finance for Retail?

Invoice Financing

Invoice Financing allows retail businesses with verifiable invoices to manage cash flow effectively. Typically, amounts range from £10,000 upwards, with lending terms of 1 to 6 months.

Invoice Financing

With rates between 1% and 3% per month, Invoice Financing provides quick access to cash without selling company equity. This process often involves a lender advancing 80-90% of invoice value, commonly utilised by clothing and electronics retailers to bridge payment gaps.

Supply Chain Finance

Supply Chain Finance is ideal for retailers with stable credit scores and existing supply contracts. This solution offers amounts from £50,000, facilitating extended payment terms with suppliers over 3 to 12 months.

Supply Chain Finance

By restructuring debts and managing payment terms, retailers like furniture stores and supermarkets can optimise supply chains. Decision times range from 1 to 2 weeks, depending on complexity, with interest rates typically 2-5% above base rates.

Letter of Credit (LC)

A Letter of Credit ensures secure international transactions, suited for businesses with solid trade agreements. LCs typically range from £20,000 upwards, with 3 to 6-month terms.

Letter of Credit (LC)

With interest rates usually between 0.5% and 2%, LCs facilitate payment guarantees in international trade. The process requires documentation submission, critical for luxury goods importers and large-scale international retailers.

What is Trade Finance for Retail?

Application and Decision Process

The application process for trade finance includes submitting invoices and trade documentation, with approvals usually within weeks. Retailers benefit from streamlined procedures and rapid access to funds post-approval.

Regulatory Compliance and Standards

Compliance with the FCA and KYC regulations is mandatory, ensuring that trade transactions meet anti-money laundering standards, a process where our expertise provides assurance to clients.

Borrowing Capacity and Rate Influences

Borrowing amounts extend from £10,000 to several million, contingent on business turnover and creditworthiness. Rates vary from 1% to 6%, influenced by credit scores and lender policies.

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FAQ’S

How much can I borrow with trade finance?
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