Ebury Partners UK Ltd (trading as Ebury) was founded in 2009 and operates as a fintech provider specialising in international payments, currency risk management, cash-management accounts, and short-term trade finance. It primarily serves SMEs and mid-cap businesses engaged in cross-border trade. Authorised by the UK Financial Conduct Authority as an Electronic Money Institution, Ebury offers services globally from over 30 offices. Its products are suitable for businesses needing multi-currency support and rapid trade-finance decisions, though it may not cater to purely domestic or long-term finance needs. For an overview of similar products, see trade finance and export finance.
Key Features of Ebury
Ebury provides a digital-first platform with tools designed to streamline international trade and financial operations. It integrates with business systems and offers personal support to client businesses.
- Wide product suite including payments, FX hedging, cash management and trade finance, supporting international expansion. See trade finance options.
- Handles over 130 currencies including exotic currencies to reduce FX conversion costs and support global suppliers. Learn about forward contracts for currency hedging.
- API and ERP integrations automate payment workflows, with real-time analytics and bulk payment capability. More on account management technologies.
- Dedicated relationship managers and 24-hour dealing desks offer personalised support, including outside UK business hours.
- Regulated by the UK FCA as an Electronic Money Institution, giving compliance oversight and client fund protection (though no FSCS coverage).
Funding Eligibility
You may qualify for Ebury’s facilities if your business is UK-registered, has at least 12 months trading history, and an annual turnover typically above £1 million. The business should engage in international trade rather than purely domestic operations. Credit checks and anti-money laundering (AML) checks apply. Director personal guarantees are often required, even though facilities can be unsecured. For guidance on these requirements, see how to qualify for a business loan, credit score criteria, and guarantor details.
Loan Options Available
Ebury offers several funding products focused on trade and currency risks with short terms and multi-currency flexibility.
- Trade Finance Facility (Import/Supplier Payments): amounts from £50,000 to £5 million per drawdown, terms from 30 to 150 days, interest rates approximately 0.70% to 2.00% per 30-day period (roughly 8.4% to 24% per year). This unsecured facility helps bridge supplier payment gaps. Learn more about trade finance.
- Export Finance / Receivables Finance Facility: advances from £50,000 to £5 million, terms from 30 to 120 days, interest between 0.50% and 1.80% per 30-day period. This helps accelerate cash flow on export invoices. See export finance for details.
- FX Forward & Options Facility: a credit line for currency hedging contracts up to 24 months. Costs are embedded in forward points or premiums. This is not a funding product but offers risk management. Understand forward contracts.
- Multi-Currency Cash-Management Account: holds local currency accounts in 35+ currencies, offering real-time reporting. It supports payments and currency facilities but is not credit. See information on checking accounts.
How to Apply
Ebury’s application process is digital and involves submitting business and financial documentation for approval. Typical decision times vary between 24-48 hours for payments accounts and 1-5 business days for credit facilities.
- Apply online through their platform, initiating remote onboarding with an account manager. More on online applications.
- Provide required documents including incorporation papers, director IDs, financial statements, bank statements, trade invoices, proof of address, and ownership structure.
- Undergo credit and KYC checks as part of due diligence. See loan application process insights.
- Once approved, funding for suppliers or exporters can often be disbursed the same day in major currencies.
Funding Agent’s Review of Ebury
Ebury specialises in short-term trade finance and multi-currency payment solutions for internationally trading SMEs. Its digital-first approach and broad product suite suit businesses with cross-border needs. However, businesses focused only on domestic activities or requiring long-term capital may find limited fit. To explore how Ebury compares, use our financing options overview, check eligibility criteria, and compare with alternative lenders.
