Invoice finance
Get paid the day you ship.
You’ve sent the goods. The money shows up in 90 days. TerraTrade closes that gap — we advance most of the invoice now, and your buyer still pays on the original due date.
No buyers to sign up. No property to pledge.
The short version
- 1–2days
- From approved invoice to money in your account
- 80–90%
- Of the invoice value, advanced up front
- 7currencies
- Hold, convert and settle without a local bank
- 0buyers
- You need to enrol — we work from your invoice
Indicative. Final terms depend on the buyer, the corridor and the documents.
How it works
Three steps. Usually one week, start to finish.
The first time takes a few days, because we get to know your buyers. After that, funding an invoice is a few minutes of work.
- 01
Send the invoice
Upload the invoice and the shipping paperwork. That is the application — there is no separate form to fill in.
- 02
We check it
We read the documents, confirm the buyer is good for the money, and tell you what we can fund and on what terms. Most answers come back the same day.
- 03
The money lands
Up to 90% of the invoice, in the currency you choose. When your buyer pays on the due date, the balance is released and the facility resets.
Where do you sit?
Four ways in.
Trade has more than one side. Pick yours.
You ship the goods
Stop lending your buyers money for free.
Ninety-day terms mean you finance your customer’s business out of your own pocket. Convert the invoice to cash instead, and keep shipping.
Invoice financeYou buy the goods
Pay in 120 days. Your supplier gets paid in two.
Hold on to your cash longer without squeezing the people who supply you. They get funded at once, priced against your credit rather than theirs.
Supplier financeYou put up the capital
Short, self-repaying trade assets.
Thirty to 120 days, secured against real shipments with verified documents behind them. Full visibility on every asset in the book.
For investorsYou run the programme
Our platform. Your brand.
Banks, funds and platforms launch a trade finance programme on our infrastructure in weeks, instead of spending two years building one.
Technology and white-labelBehind the scenes
Every decision, written down.
Trade finance is slow because the paperwork is slow. We run onboarding, checks and approvals as one durable process — so nothing gets lost, nothing happens twice, and every approval has a record of who made it and what they saw.
- 01 It can’t lose its place
- A process that waits three days for a document picks up exactly where it stopped — through restarts, outages and failed integrations.
- 02 Machines do the reading
- Invoices, bills of lading and purchase orders are read and cross-checked automatically. People review the exceptions, not the pile.
- 03 Audit-ready by default
- Checks, documents and decisions are journaled as they happen. When an auditor asks what happened in March, the answer is a screen, not a search.
Who we fund
Built for the trades banks keep turning down.
Cross-border receivables. Long payment cycles. Buyer in one country, supplier in another, invoice in a third currency. Most banks price this as too hard. It’s the only thing we do.
The boring, essential part
Regulated-grade from the first day.
- Identity checks built in
- KYC and KYB on every company and every person who signs, plus sanctions and PEP screening that keeps running after onboarding.
- Your data stays yours
- Every tenant is isolated at the database row, not by a filter in the application. Roles decide who sees what inside it.
- A record, not a memory
- Documents carry an approval history. Decisions carry a reason, an author and a timestamp.
Start small
Tell us about one invoice.
No facility application, no data room, no commitment. Send us a single invoice and the buyer’s name, and we’ll tell you what we could fund and roughly what it would cost.
- An indicative answer, usually the same day
- No cost and no obligation to draw
- If it isn’t a fit, we’ll say so plainly