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Trade Finance

We can make payments directly to your UK or overseas suppliers, reducing the stress on your cash flow whilst you grow your order book.
Financing your business growth.
Let’s get started

Financing your business growth.
Let’s get started

Bridge the funding gap between paying your suppliers and receiving customer payments.

At Aldermore we understand it’s often difficult to obtain the credit you need from your suppliers, particularly when importing from overseas. Without the credit in place to buy your goods the alternative can create a real cash flow headache for your business, as you find the cash to pay suppliers up front and then wait for weeks or even months to receive payment for the orders placed by your customers.

With Trade Finance, we can make the payments directly to your UK or overseas suppliers, bridging the funding gap between paying your suppliers and being paid by your customers.

Benefits at a glance

  • Funding for your trade cycle – bridge the gap between placing your orders with suppliers and being paid by your customers
  • Peace of mind – our expert team handles your supplier payments for the goods, so you are able to focus on growing your business
  • Business on your terms – access to funding, as and when you need it so that you can buy more good and increase sales
  • Transparent approach – we’ll keep you informed every step of the way, clearly explaining how the facility will work and what it will cost
  • Convenience – our online client portal gives you complete visibility of your transactions


> Download our factsheet

Using your Trade Finance facility is straightforward:

  • Place your order with your supplier
  • We pay your supplier against shipping documentation or open a letter of credit for up to 100% of the purchase price of the goods
  • The goods are shipped and delivered to your customers
  • You repay the transaction depending on your facility
    - Within 90 days from the transaction date or
    - through an invoice finance facility with Aldermore based on the value of the invoices raised to your customers for the goods


Fees apply for all our services, and we will confirm any costs with you upfront.

Pay your suppliers with Trade Finance from Aldermore.

Trade Finance can enable you to take on more orders and grow your business. When you’re faced with a payment that may affect your cash flow, we can make the payment directly to your suppliers on your behalf. We can make the payment in Pounds, Dollars or Euros, depending on where your supplier is based.  

We offer a range of payment options:

  • Telegraphic Transfer
  • Letter of Credit
  • Supplier Undertaking


You’ll have 90 days to repay the funds and you can pay this either in full or using an Aldermore Invoice Finance facility.

If you’re looking for a way to simplify the payment process and reduce the pressure placed on your business, Aldermore can help.

With the help of our expert Trade Finance team we can help you to buy the goods you need and release the cash from their sale. We understand that all businesses are different, so we will tailor a facility that matches your seasonal trading needs, as well as your future growth ambitions.

We will work with you to design a funding package that’s designed around your business, with competitive and transparent charges agreed with you up front. All costs will be outlined in your facility offer letter, together with a Client Guide that will detail any additional fees that would apply for services you may need or use. An arrangement fee will also normally apply.

Download our guide to making your imports more profitable

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International trade is a very rewarding business, but it's not without its risks, and when importing from overseas the devil really is in the detail. Time pressures often mean that risks are overlooked and lessons are learned the hard (and expensive) way.
That's why we've put together our handy easy-to-read guide with 5 clear steps to ensure you secure maximum profit on your imports.

> Download the guide

Import Taxes and Letters of Credit

Import Taxes

Duty and VAT are calculated as a percentage of the imported goods’ value, including freight and insurance costs as well as the cost of the product itself.

Letter of Credit

In some cases the business responsible for exporting the goods may ship the items and never receive payment, and in others, the importing company may not receive the items they’ve already paid for. Disputes can be difficult to resolve, particularly when distance is a factor.

Contracts and Payments and Incoterms

Contracts and Payments

To avoid problems from arising, make sure the contracts exchanged are straightforward and clearly outline delivery and payment terms to ensure that there is no confusion and agreements are kept.

Incoterms

By clearly defining the Incoterm between seller and buyer, and buyer and customer, all parties concerned can clearly define:

Our Invoice Finance products

Invoice Finance

Factoring

  • 4.6/5 (30 reviews)

Factoring can help your business grow by giving you fast access to the working capital locked up in your unpaid invoices, with the added benefit of a credit control service to free up your valuable resources.

Invoice Finance

Invoice Discounting

  • 4.9/5 (9 reviews)

Access our funding to help realise your growth ambitions by converting up your unpaid invoices into ready capital. 

Invoice Finance

Construction Finance

Construction Finance releases funding when you need it by advancing cash against your uncertified applications for payment or staged invoices.

Invoice Finance

Asset Based Lending

Release the cash value held within your existing assets, like stock, machinery and property to raise the funding you need.

Invoice Finance

Bad Debt Protection

Bad Debt Protection protects your business against the impact of a customer insolvency or non-payment.