Supply Chain Finance
Address the timing gap in your trade cycle
A business may need to pay suppliers before it receives payment from customers. Supply chain finance describes several arrangements intended to address payment timing across a trade relationship. Trade Credit Group helps identify the transaction details and explore potential providers rather than assuming one structure fits every purchase.
Distinguish the transaction you need funded
A buyer-led approved-payables program differs from purchase-order or supplier finance. An approved-payables program may allow a supplier to receive early payment after buyer approval. Other structures may address procurement or production before an invoice is eligible. Availability depends on the provider, parties, transaction, and supporting documents.
Map the full movement of goods and cash
We begin with supplier and buyer locations, order size, deposits, delivery milestones, invoicing, payment terms, and expected margins. The provider will need to understand who performs each obligation and when. Concentration, cross-border requirements, disputes, and performance risk can affect the structure or prevent funding.
Evaluate the complete agreement
Before accepting an offer, review fees, payment obligations, recourse, collateral, guarantees, currency exposure, and what happens if delivery or payment is delayed. Bring purchase orders, contracts, supplier terms, buyer information, and financial statements to the initial discussion. All financing remains subject to provider due diligence, eligibility, and approval.