Treyd Reviews
Treyd offers pay-later supplier invoice financing with fast approval, flexible funding, and strong customer support, rated 4.7 on Trustpilot for supply chain growth.
1
/
5
Terrible experience, jumping through hoops, not a single promise met. Got email today making the same claims.
Foster
5
/
5
Great service! Petter is very helpful and professional. He explained and support us during the whole process so that everything was very clear and easy to understand.
Eduardo
5
/
5
I would like to share my latest experience. I have been using Treyd for more than a year, and I am very satisfied with their service. I especially want to mention the new feature they recently introduced — instant payment. What a great improvement! You simply upload the invoice, and within a few minutes the payment is completed. It is extremely helpful for our business, and we are very happy with the service. I highly recommend it.
Vaseegara Indralingam
5
/
5
Treyd have been really helpful and informative from the day I first spoke to them. Tony and Madison are very knowledgeable and answered all of the many questions I asked. They are also very straight communicators which I appreciated during the process.
David Walsh
2
/
5
Good concept and been very happy with how Treyd works for us, but not good when you receive an email out of the blue and they suddenly pull your Limit entirely when you already have committed orders with suppliers. This is the 2nd time this has happened to us over the 4 years we have been with Treyd. We don't even use the full limit, or have a need to use it (50% would suffice), but it would be fair enough if they gave you a time frame in which you can re-adjust, but no.
Rick Clark
5
/
5
Just finished my onboarding and got my first invoices paid by Treyd. Easy to use portal, great rates. Can't thank Joseph enough for his patience and help throughout onboarding. Absolute credit to the company. Can't recommend Treyd enough.
Nigel Carton
Explore Treyd's Finance Solutions:
Loan Type:
Trade Finance (Pay Suppliers Now)
Loan Range:
£1,000 - £2,000,000 (subject to credit limit)
Loan Terms:
30 to 120 days (free period up to 30 days; extended terms come with fees)
Minimum Turnover and Trading Age:
Minimum annual turnover of £250,000 and at least 12 months of trading history
Interest Rate / Factor Rate:
0% for first 30 days; 0.5% to 1.5% per 30-day period after the free period (equivalent to 6%–18% p.a. simple)
Fees:
Transaction fee of 1%–2% of invoice value; late payment fees may apply; no origination or early repayment fees
Loan Type:
Inventory financing
Loan Range:
Not specified - Not specified (site states flexible credit limits that grow with business; no explicit min/max published)
Loan Terms:
Minimum Turnover and Trading Age:
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Interest Rate / Factor Rate:
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Treyd is a Swedish fintech company founded in 2018 that provides trade finance to B2B companies. The platform allows businesses to pay suppliers immediately while extending their own payment terms. It operates as an alternative working capital provider, primarily serving e-commerce and retail sectors. Treyd is regulated by the Swedish Financial Supervisory Authority.
Key features
Treyd offers a digital-first trade finance platform with automated invoice reconciliation and integration with major accounting systems. The service is designed to scale with a client's purchasing volume and does not require a personal guarantee for most borrowers.
- No interest on repaid balances within the free credit period
- Fast onboarding and integration with Xero, QuickBooks, Fortnox, and other accounting platforms
- Automated invoice and supplier payment reconciliation
- Scalable credit limit that adjusts based on purchase volume and repayment history
- Real-time dashboard for tracking outstanding balances and available credit
- No long-term contracts; pay-as-you-go model for each invoice financed
- Supplier onboarding support with direct payment to suppliers
Eligibility
Businesses may qualify if they have at least 12 months of trading history and a minimum annual turnover of £250,000. The lender focuses on e-commerce, retail, and direct-to-consumer B2B sectors. Excluded sectors include construction, non-retail manufacturing, professional services, and most offline-only businesses. Geographic coverage is limited to the United Kingdom, Sweden, Norway, Denmark, Finland, and select other EU countries. Applicants must operate in a supported sector and use a compatible accounting or ERP platform for full integration.
Loan options
Treyd provides trade finance specifically for paying supplier invoices. The product is not a standard term loan; funding is tied to individual supplier invoices. The free credit period of 30 days carries no interest, but extended terms come with fees.
- Trade finance: £1,000 to £2,000,000 (subject to credit limit)
- Loan terms: 30 to 120 days (free period up to 30 days; extended terms incur fees)
- Interest: 0% for first 30 days; 0.5% to 1.5% per 30-day period after the free period (equivalent to 6%–18% p.a. simple)
- Transaction fee: 1%–2% of invoice value; late payment fees may apply; no origination or early repayment fees
- Security: none required (unsecured trade finance)
- Personal guarantee: not typically required
How to apply
The application process is online only via the Treyd platform. Initial credit decisions are typically made within 1 to 3 business days. Once an invoice is approved, payments to suppliers are made within 24 hours.
- Submit company registration details
- Provide latest 6 to 12 months of bank statements
- Grant accounting or ERP software access or provide exported reports
- Provide supplier invoice details for the first transaction
Funding Agent's view
Treyd is a specialised trade finance provider for e-commerce and retail businesses that want to optimise cash flow by paying suppliers immediately while deferring their own outlay. The digital-first platform and integration with popular accounting tools offer efficiency and scalability. However, the product is not a general-purpose loan and carries relatively high fees for extended terms. It is best suited for growing online retailers with steady supplier invoices and compatible accounting systems. Borrowers should consider that credit limits are initially capped and subject to periodic review, and that the service is limited to select geographic markets and sectors.
FAQ’S
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