Where the pressure develops
Wholesale businesses may need to pay suppliers before goods are delivered and before customers settle the resulting invoice.
Sector focus
Fund stock and confirmed orders without exhausting working capital.
Wholesale businesses may need to pay suppliers before goods are delivered and before customers settle the resulting invoice.
What helps the assessment
Purchase orders, supplier terms, customer orders, gross margin and logistics. Clear information reduces avoidable delays and makes an initial fit discussion more useful.
What the facility must achieve
The facility needs to match the timing of the underlying commercial cycle and provide a credible route to repayment.
Sector-specific discussion
Bring the customer terms, expected funding cycle and any existing finance arrangements to the call.
Common questions
Questions to consider before applying
Can trade finance fund imported goods?
Potentially, where supplier, logistics, customer order, margin and repayment route can be verified and the transaction meets underwriting requirements.
Can invoice finance take over after delivery?
It may support eligible invoices after goods are delivered and accepted, creating a linked purchase-to-payment structure.
What information is most important?
Confirmed purchase and sales orders, supplier terms, shipping details, gross margin, customer quality and insurance or inspection arrangements may all be relevant.
Sector funding detail
When wholesale funding is likely to work.
The commercial pressure is simple: stock has to be bought before customers pay. The right facility depends on evidence, debtor quality and how repeatable the gap is.
What lenders want to see
- you sell to repeat trade customers on credit terms
- supplier payments land before debtor receipts
- seasonal or bulk orders create working-capital spikes
Documents that speed review
- purchase orders
- supplier invoices
- sales invoices
- stock and debtor schedules
Products to consider
- Trade finance
- Invoice finance
- Selective invoice finance