Pay your suppliers before your customers pay you
Your supplier needs payment now. Your customer pays in 60 or 90 days. Trade finance closes that gap so you can take on more orders, honour supplier terms and keep your supply chain moving without tying up your own cash.
What is trade finance?
Trade finance is the funding that sits between paying your supplier and collecting from your customer. Instead of using your own cash, the funding pays the supplier for you, in their currency, and you repay once your customer pays. FinXtra helps you explore trade finance alongside your FX, so the supplier payment and the exchange rate are handled in the same conversation. All funding is subject to eligibility and credit approval, and terms depend on the transaction.
Who trade finance is for
How trade finance works with FinXtra
Finance and FX in one conversation
Cross-border trade has two moving parts: how you fund the supplier payment, and what the exchange rate does while you wait to be paid. Handling both together means you know the full cost in your home currency early, without a separate process for each. Who provides the funding and on what terms depends on your case, and we confirm it before you commit.
Why businesses ask FinXtra about trade finance
- Pay suppliers without tying up your own cash.
- Repayment structured around your trade cycle, confirmed in advance.
- Funding and FX risk management in one conversation.
- A full cost breakdown before you commit.
- A dedicated adviser who understands your trade cycle.
Trade finance: common questions
What is trade finance?
It is funding that pays your supplier for a trade while you wait for your customer to pay you. You repay when your customer's payment arrives.
What kinds of transactions can be financed?
Import and export transactions with a clear trade cycle: a supplier invoice to pay and a customer payment expected in return. Your adviser assesses each transaction and structures the funding around your actual timeline.
Is approval guaranteed?
No. All lending is subject to eligibility, credit approval and the terms of the funder.
Who provides the funding, and what does it cost?
It depends on your case. We deal with each business individually, and we confirm who provides the funding, on what terms and at what cost, before you commit to anything.
Can trade finance cover the FX as well?
We can look at funding and FX risk together. For example, a forward contract can lock the exchange rate for the supplier payment, so you know the cost in your home currency.
Can I use trade finance for recurring supplier payments?
It can be, depending on the structure. Ask your adviser whether a repeat arrangement fits your business.
Are there account opening fees?
Opening an account is completely free, and you get full access to the platform.
This page is general information, not financial advice or an offer of credit. Trade finance is subject to eligibility, credit approval and the terms of the funder. Terms, costs and availability vary.
Fund your next order without draining your cash
Book a free 20-minute analysis. We review your trade cycle and tell you which funding options are worth exploring, at no cost and with no commitment.
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