Trade Finance for Open Account Transactions
Buyers push for Net 60 or Net 90. Your cash cycle says no. We make open account safe and liquid by pairing credit insurance, receivables funding, and payables programs that actually fund on time. No myths. Just money in when you ship.
Outcome:
offer Net 30–120 to win orders while getting paid at shipment or invoice approval, with risk covered and covenants you can live with.
When This Is The Right Move
Customers demand longer terms
You need Net 60–120 to win the PO but cannot stall payroll or suppliers.
Bank line is tapped
Your RCF is full and you need a program tied to AR, not more blanket debt.
Cross-border sales grow
Country risk and long transit times make cash timing messy without funding.
You want non-dilutive cash
Raise against AR and inventory instead of selling equity.
What We Arrange
Credit-insured receivables finance
Non-recourse funding on eligible AR with trade credit insurance and assignment to the lender.
Supply chain finance for your buyers
Buyers pay a funder at approval and take tenor. You get early pay at a discount rate that beats factoring.
Factoring and forfaiting
Sell invoices or deferred instruments without recourse where coverage and history permit.
Borrowing base and warehouse lines
AR plus inventory funding with field exams and collateral manager controls for steady draw capacity.
Pricing Elements You Should Expect
| Component |
How It Is Charged |
What Drives It |
| Discount margin |
Spread over benchmark on advanced amount |
Buyer rating, tenor, concentration, country risk |
| Program fees |
Setup and monthly admin where a platform is used |
Volume, number of debtors, data connections |
| Insurance premium |
Annual or usage based on covered limits |
Debtor grades, countries, claims history |
| Collateral and audit |
Field exams, collateral manager, reporting pack |
Inventory mix, controls, warehouse footprint |
Risk Controls That Keep Funding Stable
Eligibility rules
Aging limits, dispute caps, and dilution thresholds protect advance rates.
Concentration limits
Single-debtor caps and country buckets to avoid one-name blowups.
Insurance assignment
Loss payee to lender with claims and notification baked into the policy.
Reporting cadence
Borrowing base certificates, AR aging, and shipment files that match cash collections.
How We Get You Funded
1) Diagnose
We map buyers, terms, volumes, disputes, and countries. No guesswork.
2) Structure
Pick the right combo: insured AR funding, SCF, or a borrowing base with inventory.
3) Paper
Insurance policy, assignment, notices, and facility docs that lenders accept.
4) Fund
Go-live, file flow, and the first draws landing against approved invoices.
Typical Timeline
| Stage |
What Happens |
Indicative Time |
| Intake |
Buyer list, terms, AR aging, sample invoices, KYC |
2–5 days |
| Term sheet |
Advance rates, caps, pricing band, reporting pack |
5–10 days |
| Docs and policy |
Insurance cover bound, assignment, notices issued |
10–20 days |
| First funding |
Invoices uploaded and advanced per eligibility |
1–3 days after go-live |
Deliverables
- Named lenders and insurer list with appetite by buyer and country
- Facility term sheet with advance rates, caps, and covenants
- Insurance policy and assignment pack with loss payee language
- Borrowing base template, reporting cadence, and SOP for disputes
- Go-live checklist and training for your ops and finance teams
Client Reviews
★★★★★ "We offered Net 90 to a top retailer and still got paid at invoice approval. Game changer for volume."
– CFO, Consumer Goods Manufacturer
★★★★★ "Insurance plus assignment let the funder go non-recourse. Cash hit two days after upload."
– Finance Director, Electronics Exporter
★★★★★ "Borrowing base with inventory solved seasonality without stressing our RCF."
– Treasurer, Food Distributor
★★★★★ "They handled the insurer and the lender so we just shipped and got paid."
– CEO, Industrial Supplier
Get Open Account Funding Terms
Send your buyer list, terms, monthly volume, and AR aging. We reply with a lender route, pricing elements, and a timeline that matches your shipments.
Start the Process
Information is indicative. Any facility is subject to independent credit approval, KYC and AML checks, insurance acceptance, collateral controls, and executed documentation. Terms vary by buyer quality, country risk, tenor, and market conditions.