Food and agriculture
Your cash cycle does not match your growing season.
Inputs are paid for months before the crop ships, and the buyer pays months after. We fund the invoice so the gap does not decide how much you can plant or process.
Fresh, frozen, dry goods and processed food, across APAC export corridors.
Why it fits
Seasonality is the whole problem.
Agricultural working capital is lumpy in a way lenders built for steady monthly revenue handle badly. You commit to seed, feed, fuel and labour on one schedule and get paid on another, and a bank looking at last quarter's numbers sees volatility rather than a cycle.
Financing the invoice sidesteps that. The receivable exists because a shipment went out and a buyer approved it — so the question becomes whether that buyer pays, not whether your revenue looked smooth in the off-season.
It also matches the tenor. Commodity buyers on 60, 90 or 120-day terms are exactly the 30-to-120-day window this product is built for, which means the funding retires when the cash arrives rather than rolling into a permanent facility.
- Assessed on the buyer and the shipment, not on a smooth revenue line
- Funding that retires when the buyer pays, in step with the season
- Scales with volume, so a bigger harvest is not capped by a fixed limit
Documents
What agri shipments need on top of the basics.
The core set is the same everywhere — invoice, purchase order, proof of shipment, packing list. Food and agriculture usually add a few more, and getting them right is most of the speed.
- 01 Certificate of origin
- Required for most preferential tariff treatment and routinely checked against the invoice's goods description.
- 02 Phytosanitary or health certificate
- For plant and animal products. Issuing authority and date have to line up with the shipment, not the invoice.
- 03 Inspection or quality certificate
- Where the contract prices on grade, moisture or count. Disputes here are the most common reason an agri invoice is held back.
- 04 Weight and quality at destination
- Contracts settling on landed weight create a variable receivable. Tell us up front — it changes the advance rate, and we would rather price it than discover it.
- 05 Bill of lading, with the right consignee
- Goods routed through a cold store, agent or group entity is normal. It just needs saying in advance, or it reads as a mismatch.
- 06 Consistent goods descriptions
- The single highest-value habit: the same wording on every document. "Frozen shrimp HLSO 16/20" on one and "seafood, frozen" on another both being true does not make them reconcilable.
Questions
What agri exporters ask.
Can you fund before the harvest ships?
Not through invoice finance — that starts at the invoice for goods already delivered. Pre-shipment funding is a different, harder product and we will tell you honestly whether we can help rather than string it out.
Our contracts settle on landed weight, so the invoice changes. Is that a problem?
It is manageable, and it needs to be flagged at the start. A receivable that can move down is funded at a lower advance rate to absorb the variance. What causes problems is discovering it at settlement.
Do you fund perishables?
Yes, including fresh and frozen. Short shelf life raises the stakes on documentation and delivery disputes, which is why the quality and inspection certificates matter more here than in most sectors.
Our buyers are large retailers and food service groups. Does concentration rule us out?
No — that profile is normal in this sector and those buyers are usually strong credits. Concentration limits apply and pricing reflects them, but a handful of good buyers is a fundable book.
Can we be paid in the currency our costs are in?
Yes. Proceeds can land in any of seven currencies, which matters when you invoice in dollars and pay for inputs locally.
Sectors we know
Start small
Send us one shipment.
One invoice with its documents and the buyer's name. We will tell you what we could advance, what the documentation gaps are, and roughly what it would cost.
- An indicative answer, usually the same day
- A straight read on your document set before you commit
- No cost and no obligation to draw