Import & Export Financing

International trade can create complex working capital requirements.

Importers may need to pay overseas suppliers before products are manufactured, shipped, or sold. Exporters may need to finance production and operating expenses while waiting for international customers to pay.

 

Lirodean helps businesses involved in international trade evaluate financing solutions designed to support these working capital cycles.

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Financing for Importers

Import businesses may require capital to:

• Pay overseas suppliers

• Purchase inventory

• Fund deposits

• Finance large customer orders

• Cover freight and logistics expenses

• Support customs and related costs

• Bridge the period between purchasing and selling inventory

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Depending on the business, financing options may include working capital lines, asset-based lending, purchase order financing, inventory financing, and other credit facilities.

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Financing for Exporters

Exporters can experience significant delays between producing or shipping goods and receiving customer payment.

Potential financing structures may include:

• Business lines of credit

• Accounts receivable financing

• Asset-based lending

• Factoring

• Purchase order financing

• Equipment financing

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Can I Finance a Large Purchase Order?

Potentially.

A business with a confirmed customer order may be able to obtain financing for certain costs required to fulfill that order.

The lender will generally evaluate the customer, supplier, transaction economics, purchase order, and the company’s ability to complete the transaction.

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Can International Accounts Receivable Be Financed?

Certain lenders may finance eligible international receivables.

Eligibility depends on factors including the customer’s location, creditworthiness, payment terms, currency, transaction structure, and applicable lender requirements.

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Cross-Border Financing

International transactions often require more than simply finding a source of capital.

The financing structure may need to account for suppliers, customers, currencies, jurisdictions, payment terms, collateral, and timing.

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Lirodean’s cross-border perspective helps businesses evaluate financing structures for transactions involving multiple markets.

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What Do Lenders Evaluate?

Depending on the transaction, lenders may review:

• Company financial statements

• Purchase orders

• Customer credit quality

• Supplier information

• Accounts receivable

• Inventory

• Payment terms

• Existing debt

• Transaction margins

• Countries involved

• Currency and payment risks

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Financing International Growth

If your business imports, exports, or operates across international markets, Lirodean can help evaluate potential financing solutions.