Industries · Import & export
The goods have shipped. The payment is a continent away.
You pay the producer, the freight and the duties long before the overseas buyer settles. We purchase the export invoice and pay you now, so the next shipment is not waiting on the last one.
The problem
Cross-border trade has the longest cash cycle of any B2B business.
Transit time, customs and buyer payment terms stack on top of each other. The result is capital locked up for months at a time, every single cycle.
Up front
Supplier and freight cost
Producers, forwarders, insurance and duties all want settling before the goods reach the buyer.
Weeks
Time in transit
Ocean freight adds a month or more between paying for goods and being able to invoice for them.
Then terms
Buyer payment terms
Only once the goods land does the clock on the buyer's 60 or 90 day terms actually start.
Your use cases
Where traders run out of cycles.
Every case below is funded the same way, by buying the invoice outright. Nothing changes in how you sell or who you sell to.
01 · Liquidity
Funding shipped export invoices
We buy the invoice raised against shipped goods, so the capital returns while the container is still moving.
02 · Volume
Running more cycles per year
Trading profit is a function of how many cycles you can complete. Shortening the cash cycle directly increases the number.
03 · Cost
Paying producers earlier
Suppliers price better for buyers who settle quickly. Use the freed cash to negotiate on the input side.
04 · Risk
Trading with new overseas buyers
Extending terms to an unfamiliar counterparty is a credit decision. We underwrite the buyer as part of the purchase.
How it works
Approved once, then it simply repeats.
Setup is a one-time review of your business and your customers. After that, funding an invoice is routine.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Pricing
Per invoice sold
Collateral
No personal guarantees
What it unlocks
What changes once the ledger is funded.
01
A shorter cash cycle
Recover capital at shipment instead of at the end of the buyer's terms.
02
More cycles, more margin
The same working capital does more trades per year.
03
Stronger supplier pricing
Liquidity turns into leverage with the producers you buy from.
04
Counterparty review included
We assess the buyer's credit as part of purchasing the invoice.
Who qualifies
What we look for in a business like yours.
Other industries