Trade Finance for Wholesalers

The problem in wholesale distribution is timing. Your supplier in Vietnam or Turkey wants payment on shipment, sometimes before it. Your retail customer pays you 60 or 90 days after delivery. That gap can run to six figures on a single container, and a bank overdraft was never built to carry it.\n\nTrade finance works against the transaction, not your balance sheet. The lender pays your supplier direct when the goods ship, and you repay from the proceeds when your customer settles. Advance rates typically run up to 100% of the invoice to your supplier, and the facility revolves, so you are not renegotiating every time a new order goes out.\n\nFor a wholesaler running regular import programmes, the revolving structure is the point. One facility, drawn per shipment, recovered per collection. The lender who says yes to this is usually a specialist trade finance house or a challenger bank with a trade desk, not your high street relationship manager, who will run it through a generic working capital committee and decline on concentration risk.\n\nWe are a broker, so we cannot promise you a rate or an approval. The lender prices on your supplier country, your buyer covenant, and your track record. What we do is put the application in front of the right desk first time rather than watching it die on a bank's generic credit screen.