TradeRiver Finance Limited, trading as TradeRiver, is a non-bank, digital trade finance provider founded in 2011. It offers revolving working-capital facilities designed for UK businesses to pay suppliers both domestically and internationally. Regulated by the Financial Conduct Authority (FRN 605564), it operates an online platform connecting approved buyers with institutional investors. This service may suit established small and medium-sized enterprises (SMEs) with at least £1 million in turnover who need short-term purchase financing, rather than those seeking general cash flow loans. For an overview of trade finance options, see our Trade Finance For Small Businesses and Supply Chain Finance pages.
Key features of TradeRiver Finance Limited
TradeRiver’s service is characterised by its digital platform, speed, and payment flexibility, making certain processes straightforward and transparent for users.
- Online application, credit management, and drawdown on a fully digital platform
- Fast credit decisions typically within 24 to 48 hours, enabling quick business finance
- Same-day supplier payments in GBP, USD, and EUR via SWIFT and CHAPS
- Multi-currency capability to support export finance for small businesses
- Transparent transaction-based pricing with no compounding interest
Funding eligibility
You may qualify for funding with TradeRiver if your business has been trading for at least 12 months and generates a minimum annual turnover of £1 million. These criteria exclude start-ups and very small businesses from eligibility. Other conditions include a positive net worth and a clean credit history, without adverse credit events such as County Court Judgments or insolvency issues. The business must be a limited company registered in England, Scotland, Wales, or Northern Ireland. For a detailed look at qualification criteria, consult our How To Qualify For A Business Loan In The UK and Credit Rating guides.
Loan options
TradeRiver offers a single main product: a revolving credit line designed specifically for trade finance, allowing flexible reuse of funds once transactions are settled. The product suits businesses seeking short-term financing to pay suppliers and purchase stock.
- TradeRiver Digital Trade Finance Facility: credit line from £50,000 to £5,000,000 with loan terms of 30 to 120 days per transaction. Interest rates range from 1.5% to 3.0% per 30-day period, approximately 18% to 36% flat annual equivalent. A structuring fee of up to 1% of the facility limit and transaction fees between 0.5% and 1% of each draw may apply.
How to apply
The application process is entirely online, designed for speed and convenience. You should expect to provide relevant financial documents and complete verification steps promptly.
- Submit a 100% online application form and undergo video or telephone verification. For access, see our online forms
- Provide supporting documents including latest filed statutory accounts, year-to-date management accounts, and 3 to 6 months of bank statements. Refer to our document checklist
- Review of your application typically completes within 24 to 48 hours following submission of required information, enabling fast decision-making
- Authorize supplier payments via the TradeRiver platform for same-day execution
Funding Agent’s view on TradeRiver Finance Limited
TradeRiver occupies a niche between traditional bank trade finance and general working-capital fintechs, delivering fast, unsecured revolving credit facilities strictly for supplier payments and stock purchases. Its digital platform and multi-currency payment option suit established SMEs with annual turnover above £1 million that require short-term purchase funding. However, the requirement for directors’ personal guarantees and the 120-day repayment cap may limit appeal for smaller or longer-cycle trading businesses. To explore your eligibility and compare trade finance options, check our eligibility tools and browse alternative trade finance solutions.
