Trade Finance

Never miss another opportunity - finance up to 100% of your supplier costs.

If your suppliers want paying up front, but your cashflow is a little tight right now, we’ll lend you the money so you don’t miss out on business.

We won’t make you jump through hoops or tangle you up in complex fee structures. We prefer to make trade finance simple, personal and accessible – so it works for you. All backed by responsive support, expert advice, and flexible options.

Plus, as part of the WeDo Group, we offer expertise beyond finance, supporting you with your day-to-day challenges as well.

What is trade finance?

Trade finance is a way to help you get hold of the goods you need, without killing your cashflow.

It’s a classic Catch-22 situation. You can’t get the goods until you’ve made the profit from selling them. And you can’t make the profit until you get the goods. But if your supplier won’t offer you credit, what do you do?

We’ll help you bridge the gap, so you don’t miss out on any opportunities. Our trade finance package can help your business grow without destroying your cashflow.

And because we’re not slowed down by committees or scorecards, we can make quick, commercial decisions, while taking the time to genuinely understand your business and situation.

Perfect for UK companies trading internationally

We’ll help you to pay suppliers for new stock and cover the costs of shipping. We can cover up to 100% of the landed cost of imported goods, to help make sure you fulfil your customer orders, keep your cashflow positive and grow your business.

Here to help seasonal businesses

Seasonal businesses face unique challenges, that’s why we offer tailored solutions to provide the support you need all year round. We’ll work together to create a flexible, creative solution that works best for your business, whatever industry you’re in.

How it works

You provide us with your supplier invoice and customer orders

We pay your supplier directly on your behalf, and they send you the goods

You then deliver the goods to your customers and raise your sales invoices

The debt is now ours and we’ll take responsibility for collecting and chasing it

We’ll send you the profit once the trade finance balance has been repaid – minus the small fee we’ll have agreed from the start

Benefits

We fund up to 100% of the landed cost of goods

Trade finance is an easy way to free up cashflow. We’ll take the strain of covering your supplier payments, allowing you to use day-to-day cash to run your business.

Facility limits can grow with your business

As you win new customers and grow your order book, we can increase our facilities to support your increased turnover.

Don’t worry about winning new business

We pay your supplier to ensure you’re able to maintain the supply of stock to your existing and new customers, supporting your cashflow until they pay you.

Ideal for seasonal businesses

If your business supports a seasonal sector, we understand the unique pressures you face. We’ll help free up your cashflow when you need it most.

Access to our specialist teams

Our hugely experienced team have over 100 years of combined trade finance experience. We’ve got the commercial knowhow to guide you through your best options, and structure a facility that will help your business grow.

Why choose WeDo Finance?

Because your ambition is bigger than your bank balance
Because you’re fed up with hearing “computer says no”
Because we don’t have catches or sneaky hidden extras

Because you want to deal with actual humans who care about your success
Because you want more than just finance – hello WeDo HR Support, Accountancy, IT Services, and Back Office

What people say about WeDo Trade Finance

“When I refer a client directly to a lender, it’s vitally important for me to know that their experience of dealing with the lender will be a positive one. I’m incredibly fortunate to know Vince Tovey (WeDo Trade Finance Director). I know that his rare combination of professionalism, likability, and industry knowledge will always impress my client. He specialises in finding routes to finance where others may fail, and I have two recent clients who are gratefully benefitting from this expertise.”

“WeDo are a fantastic team with an excellent service.”

Alan Rogers
Water Bear

“WeDo have been a god send to my business, we were stuck in a position of increasing sales with cashflow never catching up. WeDo provide a fast and efficient solution, paying suppliers incredibly quick and also sending ourselves money back just as quick through invoice finance. Without their help we would not have seen the growth we have achieved over the last 12 months, I would highly recommend them!”

Gary Woodward 
GW Projects Ltd

“WeDo Trade Finance have a great risk appetite and common sense approach to getting deals done. Vince and the team dealt with the enquiry quickly and efficiently.”

Russell Green
Amplified Growth

“Ethics and honesty are paramount for us. That is one of the main reasons we have long standing relationships with our customers and suppliers. I really appreciate the team’s help and understanding – they made things as smooth as possible for us with this very challenging deal. I look forward to working with you on more transactions in future.”

Kaushal Sareen
Brightways Concepts Limited

“The set-up process was very straightforward, and we were able to repay the funding line well within the realistic timeframe set by WeDo. We will definitely be using their trade facilities again to assist our growth.”

Stuart Ogg
Sales and Marketing Director – Coz-e living and CRAGGI

“I have worked in Finance for almost 35 years now and I have worked with most international banking institutions and I can say that I have never come across such a quality and highly professional team than I have in the team that you have built at WeDo Trade Finance.”

Brian Walsh
Fourth Wall Creative

“WeDo are always willing to look beyond the black and white. They take the time to get to know the businesses and individuals behind it.”

G Jones
Ascendis Funding Solutions

WeDo Back Office

Add on back office support to free up time for growth

We’ll handle all the daily admin and paperwork, so you can focus on what you do best.

Learn more

FAQs

How do I know if my business is eligible for trade finance?antmadethis@gmail.com2024-03-13T15:28:23+00:00

How do I know if my business is eligible for trade finance?

WeDo Trade Finance is great for seasonal businesses or those whose growth is outpacing their cashflow – but we can also help SMEs who’ve seen their existing credit terms suddenly change or disappear altogether.

It’s not limited to any particular business industry or size, but you need to be a limited company registered in England or Wales that buys finished goods from your suppliers.

The majority of our clients work on a B2B basis. We will also consider supporting B2C opportunities for businesses that are already trading and can demonstrate a strong track record of growing sales.

Is there a maximum or minimum amount of funding I can access?antmadethis@gmail.com2024-02-25T23:09:10+00:00

Is there a maximum or minimum amount of funding I can access?

The minimum facility we offer is £25K, with a minimum deal size of £10K. We can fund deals up to £1M for new clients, or provide facilities of up to £2M as a combined WeDo Trade Finance and WeDo Invoice Finance solution.

These limits can be reviewed and increased over time to support the growth of your business.

Can I use the service more than once?antmadethis@gmail.com2024-02-25T23:09:56+00:00

Can I use the service more than once?

Our trade finance facilities are designed to be revolving facilities, which you can use as and when you need to pay your key suppliers for goods.

How long does my business need to have been trading for?antmadethis@gmail.com2024-03-04T13:11:35+00:00

How long does my business need to have been trading for?

We’ll consider each unique case. There’s no minimum trading period required. We’re looking to support business owners who understand their sector and have experience in it, rather than looking at how long a business has been trading.

Can WeDo Trade Finance facilities be combined with other WeDo services?antmadethis@gmail.com2024-02-25T23:11:19+00:00

Can WeDo Trade Finance facilities be combined with other WeDo services?

The simple answer is: yes, of course. We can provide an invoice finance facility in tandem with our trade finance solution, and can also look at working alongside the WeDo Loans and Asset Finance products, as well as in conjunction with services offered by other parts of the WeDo Business Services group.

“WeDo are always willing to look beyond the black and white. They take the time to get to know the businesses and individuals behind them.”