Trade Finance for Wholesalers
Wholesale distributors importing goods need to pay overseas suppliers weeks or months before they receive payment from their own customers. Trade finance fills this gap by funding the purchase at the point of order and recovering the cost when you sell and collect payment.
For wholesalers with regular international suppliers, a revolving trade finance facility provides ongoing access without renegotiating for each shipment.
Key Benefits
- Fund large import orders without tying up cash
- Revolving facilities for regular import activity
- Supplier gets paid promptly — strengthening your relationship
- Covers the full purchase-to-payment cycle
Frequently Asked Questions
Can I use trade finance for goods from the EU?
Yes. Post-Brexit, EU purchases now involve customs and potentially different payment terms. Trade finance applies to EU imports just as it does to rest-of-world purchases.
What if the goods are damaged in transit?
Trade finance covers the payment obligation, not the goods themselves. You need separate cargo insurance (typically arranged as part of the shipping terms) to protect against transit damage.
How fast can trade finance be arranged?
For established trade finance facilities, individual transactions can be processed in 2-5 working days. Setting up a new facility takes 2-4 weeks including credit assessment and documentation.
Can I combine with invoice finance?
Absolutely. Trade finance funds the purchase, invoice finance funds the receivable. Together they provide complete working capital coverage from buying stock to collecting from customers.
Related Funding Options
Invoice Finance for Wholesalers
Fund stock purchases and bridge payment gaps with invoice finance for UK wholesale businesses. Release cash from B2B invoices within 24 hours.
Stock Finance for Wholesalers
Fund warehouse stock and bulk purchases. Stock finance for UK wholesale and distribution businesses.
Unsecured Business Loans for Wholesalers
Stock purchasing and growth funding for UK wholesale businesses. No property security required. Fast decisions.
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Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.