Trade finance for commodity traders and exporters.
- Per shipment
- $100k–$5m
- Advance
- Up to 90%
- Term
- 30–120 days
- Indicative cost
- From 1.0% / 30 days
Indicative terms, set for each deal after a credit review. Not an offer of finance.
Trade finance
Trade finance is short-term funding tied to one shipment of goods. The financier pays the supplier or advances against the invoice, and is repaid from the buyer's payment for that cargo, usually within 30 to 120 days. Because repayment comes from the trade itself, the contract, the goods and the buyer matter as much as the trader's balance sheet.
What we finance
Three moments when cash runs short.
Before shipment
Pay your supplier
Your supplier wants payment before loading, and your buyer pays weeks after arrival. Also called pre-export or purchase order finance. Up to 80% of the purchase price.
In transit
Get paid while the goods travel
The goods have shipped, the documents are in order and your buyer pays on terms. Also called receivables or invoice finance. Up to 90% of the invoice.
Letter of credit
Bridge to the bank's payment
Your buyer's bank has issued a letter of credit, and you need cash before it pays. Repaid by the bank under the letter of credit, with the route agreed in advance.
How it works
How the money moves.
1Before loading
An independent inspector checks the goods. The financier pays your supplier its share of the price; you pay the rest.
2In transit
The goods ship under documents the financier controls, insured in its favour.
3On the due date
Your buyer pays into a collection account named in the sales contract.
4Settlement
The financier takes the amount it advanced plus the agreed cost. The rest is paid to you the same day.
Indicative terms
What to expect, before you apply.
- Financing per shipment
- $100,000 to $5,000,000
- Advance
- Up to 80% of the purchase price before shipment; up to 90% of the invoice once the goods have shippedYou put in the rest, so you keep a stake in the deal.
- Term
- 30 to 120 days, repaid when your buyer pays
- Indicative cost
- From 1.0% per 30 days on the amount used, plus a one-off arrangement fee from 0.5%Inspection and cargo insurance are passed through at cost. Every charge is listed in money before you sign.
- Currency
- US dollars; euro on request
- Repayment
- Your buyer pays into a collection account named in the sales contract
- Who can apply
- Registered trading companies with a signed contract or purchase order and past shipments
- Response
- First reply within one business day; indicative terms within five business days of a complete file
Financing is provided by the fund or lending partner named in your term sheet, which makes its own credit decision. Asset Haus runs the platform, checks applications and coordinates documents; it is not the lender of record.
Reviewed . Indicative terms, not an offer; each deal is priced on its buyer, goods and term.
Who it fits
Built for repeat trade with a known buyer.
A good fit
- A registered trading company, exporter or importer with shipments behind it
- A signed sales contract or purchase order from your buyer
- Direct contact with both your supplier and your buyer
- A buyer who can pay into an account the financier names
- Goods with a clear specification: food and agriculture, refined metals, manufactured goods
- $100,000 to $5,000,000 per shipment
Not a fit for now
- A letter of intent or an offer, with no signed contract
- Deals passed through a chain of intermediaries
- Goods whose origin or ownership cannot be confirmed
- Unrefined gold and other unrefined precious metals
- Individuals, or companies still being set up
Steps
From application to funding.
- 01
Apply
One shipment, about five minutes, no documents yet.
- 02
First reply
Within one business day: a fit, a question, or the reason it is not a fit.
- 03
Documents
Company, deal and track record. Your buyer and the inspector send theirs directly.
- 04
Indicative terms
Amount, term and every cost in money, within five business days of a complete file.
- 05
Funding and repayment
Signed agreements, the money goes out, your buyer pays, you receive the rest.
Documents
What to prepare.
Your company
Certificate of incorporation and register extract, shareholders and beneficial owners, an identity check for directors, financial statements or 12 months of bank statements. Sent once and reused for every next shipment.
This shipment
Sales contract or purchase order, purchase contract and pro forma invoice. Your buyer's confirmation and the inspection report come from them directly.
Your track record
Invoices for your last three shipments with this buyer, and proof that they were paid.
Cost
Every charge, in money, before you sign.
- A financing charge for the days the money is out: indicatively from 1.0% per 30 days
- A one-off arrangement fee: indicatively from 0.5% of the amount
- Independent inspection and cargo insurance, passed through at cost
- Bank and collection account charges
- Legal and document costs, if any; usually none for repeat shipments
Hypothetical example
A $400,000 advance for 60 days at 1.0% per 30 days costs $8,000, plus a 0.5% arrangement fee of $2,000: $10,000 in total, or 2.5% of the amount for the period. Inspection and insurance are added at cost.
Compare offers on the total for the actual term, not on the headline rate alone.
Why traders apply
Clear answers, clear prices, controls that protect both sides.
A fast, honest first answer
A first reply within one business day. If the deal is not a fit, you get the reason, not silence.
The full price up front
Every charge in money and the total for the actual term, so you can compare with your bank.
Documents from the source
Your buyer and the inspector confirm directly. It protects you from forged paperwork in your chain too.
Faster repeat shipments
Company documents and identity checks are reused, so the next shipment only needs its own papers.
Your bank stays
No need to move accounts or letters of credit; this covers what your bank limit does not.
A named financier
The fund or lending partner that decides on credit is named in your term sheet.
Questions
Asked before applying.
What is trade finance?
Short-term funding tied to one shipment. The financier pays the supplier or advances against the invoice, and is repaid from the buyer's payment for that cargo, usually within 30 to 120 days.
Who can apply?
Registered trading companies, exporters and importers with a signed sales contract or purchase order, direct contact with the supplier and the buyer, and past shipments. It is not available to individuals.
How much can I get, and for how long?
$100,000 to $5,000,000 per shipment, for 30 to 120 days: up to 80% of the purchase price before shipment, or up to 90% of the invoice after shipment. The financier sets each amount after its review.
What does trade finance cost?
Indicatively from 1.0% per 30 days on the amount used, plus a one-off arrangement fee from 0.5%; inspection and insurance at cost. You see every charge in money, and the total for the actual term, before you sign.
How fast is the answer?
A first reply within one business day, and indicative terms within five business days of a complete file. Funding follows signed agreements and the conditions in them, such as the buyer's confirmation and the inspection report.
Do I need to change banks?
No. Your bank keeps your accounts and any letters of credit; trade finance covers what your bank limit does not.
Will you contact my buyer?
Only after you agree, and only to confirm the order and the account the payment goes to. A forwarded copy cannot replace the buyer's own confirmation.
Can you finance a deal backed by a letter of intent?
No. A letter of intent is not a commitment to buy, so it cannot repay a loan. Apply once the contract or purchase order is signed.
Who is the lender?
Financing is provided by the fund or lending partner named in your term sheet, which makes its own credit decision. Asset Haus runs the platform, checks applications and coordinates documents; it is not the lender of record.
Read next
Read next
- Apply for trade financeIndicative terms and the application on one page.
- Invest in trade financeFor professional investors: the strategy behind the loans.
- Tokenized trade finance, explainedFor funds and originators that want to tokenize a trade finance book.
- Invoice and trade finance tokenization guideStructures, servicing and investor reporting.
Financing is provided by the fund or lending partner named in your term sheet, which makes its own credit decision. Asset Haus runs the platform, checks applications and coordinates documents; it is not the lender of record.
Business-to-business only; not available to consumers. Terms are indicative and not an offer of finance. Availability depends on the financier's criteria, the countries involved and sanctions screening.