Trade finance for UK SMEs
Struggling to manage cash flow when importing or exporting goods? Trade finance provides your business with the working capital needed to cover supplier payments, customs duties, and shipping costs, helping you maintain smooth operations and expand your global reach.
Trusted by SMEs across the UK, trade finance offers flexible funding options such as letters of credit, invoice financing, and supplier credit. These solutions enable you to optimise cash flow, reduce payment risks, and seize new trade opportunities without straining your business finances.
With competitive rates and tailored terms, trade finance empowers your business to confidently manage international trade and accelerate growth.
What is trade finance, and how can it be used?
Trade finance provides businesses with essential cash flow support and risk mitigation for both domestic and international trading activities. It enables companies to finance the purchase of stock, raw materials, or finished goods, ensuring a smooth supply chain operation, even when customer payments are delayed.
How Does Trade Finance Work?
Trade finance solutions often involve lenders providing upfront capital to cover supplier payments. For example, purchase order finance releases funds once a confirmed purchase order is secured. Supplier finance allows the lender to pay your suppliers directly, letting you settle the balance later. Invoice finance unlocks the value of outstanding invoices after shipment, improving liquidity while awaiting final payment. Typically, repayments are made once the goods are sold, creating a vital cash flow cushion throughout the trade process.
Why choose Prospera Funding for trade finance?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
Trade Finance Calculator, Estimate Your Monthly Repayments
Rate from 4.5%, loans between £5,000 to £25,000,000.
360 overview of the whole UK lending market, all types of legal businesses considered.
Fast decisions, funding from as quickly as 24 hours.
No cost, risk or commitment...and no credit searches.
How to apply for trade finance in the UK
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us about your trade finance requirements
Let us know how much you’re looking to borrow, what it’s for, and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review trade finance options
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive your trade finance facility within 24 - 48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
