Trade finance isn't only for importers and exporters. We use letters of credit, guarantees, receivables and supply chain finance, and inventory finance to fund your day-to-day payments and collections. Cash comes in sooner, goes out later, and stops sitting idle as collateral.
You pay suppliers upfront or within 30 days, while customers take 60 to 90. That gap gets funded from your own cash or an expensive overdraft.
Deposits, margins and security for bank facilities lock away cash that should be funding stock, payroll and the next order.
Without the right facilities, every new customer or larger order needs more of your own cash before it earns revenue.
Trade finance is often seen as a tool for importers and exporters. The same facilities work for day-to-day and domestic transactions: paying suppliers, collecting from customers and carrying stock. Used together, they close the gap between cash going out and cash coming in.
A letter of credit, standby LC or supply chain finance lets suppliers give you 30–90 day terms instead of cash upfront, whether they're local or overseas.
Customer invoices on 30–120 day terms turn into cash within days through receivables finance.
Inventory and borrowing base lines fund the stock you carry, so it doesn't sit on your own cash.
Bank guarantees replace the cash deposits clients ask for on bids, advance payments and performance.
We work across the full commercial trade finance toolkit, with banks, factors, trade funds and credit insurers, for local and cross-border transactions alike. We recommend a structure by who carries the risk, what collateral it needs and how quickly it turns into cash.
The buyer's bank commits to pay against compliant shipping documents. A confirming bank can add its own undertaking when the issuing bank or country is a concern. We start clients on cash-backed LCs where no credit line exists yet, then move them to margin-based and unsecured lines.
The bank pays only if you don't. It's a safety net behind open-account trade or a contract, so goods move on normal terms while the counterparty is protected.
Banks exchange shipping documents for payment or an accepted draft, without guaranteeing payment. It costs less than an LC and gives more control than open account.
Sell or borrow against invoices so you get paid in days instead of after 60–120 day terms. Non-recourse options take the receivable off your balance sheet.
Turn a deferred-payment LC or avalised bill into cash now. Forfaiting is without recourse to you, and LC discounting often is too. Your buyer keeps its terms and you collect at shipment.
A strong buyer's bank pays its approved invoices early, priced on the buyer's credit instead of the supplier's. Suppliers get cheaper, faster cash and the buyer keeps longer terms.
Private insurers cover non-payment by your buyers. Banks and factors lend more against insured receivables, often at lower cost.
Lenders or offtakers advance cash against future deliveries under a sales contract, repaid from export proceeds or by delivering the goods. The contract carries the risk more than your balance sheet does.
A revolving line sized to eligible stock and receivables, recalculated as goods move. Capacity grows automatically as your trade volume grows.
Borrow against goods held in a monitored warehouse, with an independent collateral manager controlling release. It unlocks cash tied up in inventory.
We don't ask a lender to take a leap of faith. We match each payment flow to the right structure, build the evidence cycle by cycle, and use it to reduce collateral and add capacity.
We review your cash cycle: what you buy, how you pay suppliers, when customers pay you and what sits in stock. Then we match each flow to the structure that frees the most cash at the lowest cost.
We put facilities in place that lenders can approve today. Where there's no credit history yet, that's often a cash-backed LC or a supported receivables line. We then run clean cycles that build a track record.
As the record builds, cash margins step down and new structures open up, such as receivables programmes, supply chain finance and borrowing base lines, so volume can grow without matching cash.
If you pay suppliers before your customers pay you, or carry stock between the two, trade finance can shorten the gap. We work with growing companies across sectors, not only those that trade across borders.
You buy raw materials long before finished goods are paid for. Supplier LCs or standby LCs win you payment terms, and receivables finance brings customer payments forward.
You carry stock and give customers credit. Borrowing base lines fund both, and credit insurance lets you sell on terms to more customers safely.
Clients ask for deposits and guarantees before work starts, then pay on progress. Bank guarantees free up that cash, and invoice finance covers the wait for payment.
Stock has to be bought ahead of every season. Standby LCs and supply chain finance extend supplier terms, and inventory finance funds the build-up.
Cross-border and commodity flows use LCs, receivables finance, pre-export finance and prepayment, so the contracts and the goods carry more of the load.
If you fund day-to-day operations from your own reserves, that capital is underworked. Use it once to establish a facility, then redeploy it as bank credit takes over.
Lenders lower margin requirements as the track record builds.
Cash locked in deposits and receivables becomes available for inventory, market entry and growth.
Businesses typically double or triple what they can buy and sell without adding cash.
Results vary by industry, geography, structure and relationship strength, and depend on lender policy, documentation compliance and payment performance. Timeline assumptions are based on 60–90 day cash cycles executed cleanly.
We analyse your cash cycle, suppliers, customers and payment terms, then design the mix of LCs, guarantees, receivables, supply chain and inventory finance that fits your business.
We approach banks, factors, trade funds and credit insurers for you, and negotiate pricing, collateral terms and a clear path to reduced margins.
We handle facility setup, LC issuance and confirmation, receivables and insurance documentation, and collateral arrangements. That prevents discrepancies that delay payment or damage your record.
We monitor every cycle, compile the evidence, and push lenders for margin reductions and larger limits as soon as your performance supports them.
When a lender won't take your credit risk yet, a fully cash-backed LC is the fastest way in. It's where many clients start, not where they stay.
Full collateral removes credit risk, so approval that could take months happens in weeks.
Clean cycles give lenders the evidence they need to extend credit and offer other structures.
You keep ownership of the collateral. Margin requirements come down step by step as trust builds.
The facility runs independently, so building new capacity never puts existing lines at risk.
| Before | After 12 Months | |
|---|---|---|
| PAYMENT | Paid suppliers 100% upfront in cash to secure inventory and supply relationships | Cash-backed LCs established, giving suppliers payment security without upfront cash |
| TERMS | Buyers paid 60 days after delivery, an extended receivables period | Receivables finance on buyer invoices brought cash in at delivery instead of day 60 |
| CASH GAP | A 60-day working capital gap tied up $500,000 in operating cash | After 4 clean cycles, cash margin cut to 30%, with the bank funding the remaining 70% |
| SUPPLIERS | Every new supplier demanded an LC or cash in advance | Standby LCs let repeat suppliers move to open account on net 30 |
| CEILING | Growth capped by cash availability, with every order needing proportional cash | Trade volume up 150% with no proportional increase in cash required |
"We went from managing cash constraints to managing growth opportunities. That's a fundamentally different business."
We're on the ground Monday 28 and Tuesday 29 September, meeting a limited number of founders and finance leads in person at Como Beach Club, Canggu. Pick an open slot below. It's held the moment you confirm.
Six sessions across two days. Availability updates live, and booked slots come off the board.
No waiting for a reply. Your slot is held the moment you submit, and you'll see the confirmation on screen.
30 minutes, in person, to map your cash cycle and the facilities that fit it.
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