Why choose trade financing?
Benefits of trade financing
Purchase invoice financing
Finance your purchase invoices and pay your suppliers immediately. Get goods and materials faster without draining your cash reserves.
Extend payment terms
Get extra time to pay your purchase invoices. Your supplier gets paid immediately, but you pay us on an agreed schedule – typically in 30–120 days.
Utilize cash discounts
Take advantage of suppliers' cash discounts by paying invoices quickly. The discounts can be larger than the cost of financing.
Inventory financing
Finance inventory replenishment without tying up your working capital. Especially useful when you need a large stock order for the upcoming season.
Seasonal management
Prepare for the season by acquiring inventory and materials in advance. Pay back the financing only when seasonal sales revenue starts flowing in.
Strengthen supplier relationships
When you always pay your suppliers on time or early, your negotiating position strengthens. You get better prices, terms, and delivery priority.
How trade financing works
From purchase invoice to financing in four steps
Purchase order or invoice
Place a purchase order with your supplier as usual. When you receive the purchase invoice, submit it to us for financing through our online service.
Purchase order or invoice
Place a purchase order with your supplier as usual. When you receive the purchase invoice, submit it to us for financing through our online service.
Financing application
Fill in a financing application based on the purchase invoice. We evaluate the invoice and supplier quickly. You typically receive a decision the same day.
Financing application
Fill in a financing application based on the purchase invoice. We evaluate the invoice and supplier quickly. You typically receive a decision the same day.
Payment to supplier
Once you accept the offer, we pay the purchase invoice directly to your supplier. Your supplier receives the funds quickly and can deliver your order without delay.
Payment to supplier
Once you accept the offer, we pay the purchase invoice directly to your supplier. Your supplier receives the funds quickly and can deliver your order without delay.
Pay at your own pace
You repay the financing on an agreed schedule, typically in 30–120 days. Your cash flow remains steady and predictable.
Pay at your own pace
You repay the financing on an agreed schedule, typically in 30–120 days. Your cash flow remains steady and predictable.
"The real value of trade financing often comes from cash discounts. When you pay your supplier immediately, you can negotiate a 2–3% discount — that alone can cover the entire cost of financing while improving your margins at the same time."
— Aaron Vihersola
Founder & CEO, Suomen Rahoitus
Financing expert | Over 5 years of experience in business financing solutions
Frequently asked questions
Everything about trade financing
Industries
Trade financing
See how trade financing suits different industries and read our industry-specific solutions.
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