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Trade Finance

Trade financing helps businesses cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest. Similar to other loans, there’s usually a preset lending limit.

Trade Finance

Overview

Trade financing helps businesses cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest on the loan. Similar to other loans, there’s usually a preset lending limit. It’s popular for buying stock in bulk, letting businesses spread their costs over time while still being able to benefit from discounts and lower shipping per unit. Lenders often monitor business performance, adjusting limits based on how the business is doing.

Trade Finance

Features

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Typical Uses

Pros

Cons

Think About

  • Lowering the cost of stock, inventory and/or materials
  • Access higher lending limits.
  • Maintaining reserves of cash in the bank.
  • Allows businesses to save by buying stock in bulk.
  • Often provides the ability to borrow more than typical business loans.
  • Keep cash free for other expenses.
  • Requires more paperwork than term loans.
  • Funds are strictly for stock/materials purchases.
  • Lending limits may drop if business performance dips.
  • Can I save significantly by buying in bulk?
  • Will I sell or use the stock quickly?
  • Am I okay with sharing more comprehensive details on my business?
  • Will freeing up cash help grow my business?
Typical Uses
  • Lowering the cost of stock, inventory and/or materials
  • Access higher lending limits.
  • Maintaining reserves of cash in the bank.
Pros
  • Allows businesses to save by buying stock in bulk.
  • Often provides the ability to borrow more than typical business loans.
  • Keep cash free for other expenses.
Cons
  • Requires more paperwork than term loans.
  • Funds are strictly for stock/materials purchases.
  • Lending limits may drop if business performance dips.
Think About
  • Can I save significantly by buying in bulk?
  • Will I sell or use the stock quickly?
  • Am I okay with sharing more comprehensive details on my business?
  • Will freeing up cash help grow my business?
Typical Uses
  • Lowering the cost of stock, inventory and/or materials
  • Access higher lending limits.
  • Maintaining reserves of cash in the bank.
Pros
  • Allows businesses to save by buying stock in bulk.
  • Often provides the ability to borrow more than typical business loans.
  • Keep cash free for other expenses.
Cons
  • Requires more paperwork than term loans.
  • Funds are strictly for stock/materials purchases.
  • Lending limits may drop if business performance dips.
Think About
  • Can I save significantly by buying in bulk?
  • Will I sell or use the stock quickly?
  • Am I okay with sharing more comprehensive details on my business?
  • Will freeing up cash help grow my business?

Potential Lenders

Further Information

MAXIMUM LOAN AMOUNT

Variable

MINIMUM LOAN AMOUNT

Variable

SPEED

Medium - Slow

INTEREST RATE

MAXIMUM LOAN TERM

MINIMUM LOAN TERM

Hear From Our Clients

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