Trade Finance

We understand the complexities of trading across borders and the significant impact international trade can have on our clients' cash flows. We work with our clients to design solutions to assist the growth of their business. 

Solutions include:

• Working Capital – We enable you to unlock funds, strengthen your cash flow, and optimise liquidity with tailored working capital solutions.
• Letters of Credit – Mitigate payment risks associated with the importing and exporting of goods.
• Trade financing – discounting or financing of working capital requirements in international trade transactions
• Bank Guarantees – Bolster trust in your organisation, and secure larger contracts by assuring payment to beneficiaries.
• Foreign Bills of Collection –Manage international payments, while staying in control of your goods, with secure cross-border transactions.
• Supply Chain Finance – Improve your cashflow and build sustainable supply chains by giving suppliers access to financing and optimising trade payables.

Working Capital Finance :

Our range of flexible secured and unsecured working capital facilities is tailor-made for your unique requirements. These facilities help to optimise your cash flow by improving your working capital cycle, unlocking business value, and ensuring efficiency, stability and growth.

Our solutions and services include:

• General Banking Facilities – Ensure you have the liquidity you need with our General Banking Facilities, designed to help you manage your day-to-day operations without cash flow interruptions.
• Inventory Finance – Transform your inventory into working capital without disrupting your cash flow or operations.
• Receivables Finance – Improve your cash flow by optimising balance sheet efficiency and accelerating access to unpaid invoices.
• Payables Finance – Ensure your liquidity with our Payables Finance solutions with the flexibility to manage working capital gaps without disrupting supplier payments.
• Structured Finance –Tailored to your specific needs, our Structured Finance solutions leverage your working capital assets into customised funding strategies.

Letters of Credit (LCs):

While LCs are financial instruments that are used regularly, it is how we implement them, that makes the difference. We use our regulatory expertise and our depth of talent to tailor each LC to meet your unique business requirements, working around constraints like supplier location and trade terms of funding hurdles.

• For the exporter – As an exporter, your organisation is guaranteed payment upon meeting the specified terms of delivery in the LC.
• For the importer – As an importer, you are assured that payment aligns with LC terms, guaranteeing you receive the goods and services as agreed upon. You can use LCs as a working capital tool in collaboration with your suppliers to finance your imports. These solutions enable you to secure more competitive global funding and maintain the extended trade payable, while paying your suppliers on time as agreed.
  We consider the continually evolving regulatory landscape, trade barriers, possible sanctions, and geopolitical tensions, when tailoring our solutions to your unique needs. We also ensure the mitigation of risk for both parties and boost trust in the transaction.

Bank Guarantees (BGs):

Our Bank Guarantees ensure risk is mitigated across all your business transactions, regardless of location. BGs help in building trust, allowing you to secure contracts that may have otherwise been challenging to attain.

Guarantees are useful in four key scenarios:

• Ensuring payment and financial commitments – Includes: Payment Guarantees, Lease Guarantees, Advance Payment Guarantees.
• Supporting performance and contract delivery – Includes: Performance Guarantees, Environmental Rehabilitation Guarantees.
• Facilitating bidding and tender processes – Includes: Bid Guarantees.
• Enabling trade and regulatory compliance – Includes: Customs Guarantees (e.g. for SARS duties).

Foreign Bills for Collection (FBCs):

This is a trade settlement method that offers simplicity, structure and control.

• For Exporters – FBCs ensure that you maintain control of your goods until the buyer has either paid or accepted a future-dated payment responsibility. As a professional intermediary, we ensure that international collection standards are met, and payment terms are honoured before the release of documents.
• For Importers – FBCs provide a structured yet flexible payment process. Your interests are protected, document accuracy is ensured, and you are able to negotiate payment terms that align with your cash flow.
• Supply Chain Finance –We are a leading provider of supply chain finance in South Africa and across key African markets. By allowing suppliers to access financing and optimising trade payables, we enable improved relationships with your suppliers and create stronger, more sustainable supply chains for you. Our cloud-based technology ensures seamless interactions between the parties involved, and by improving the working capital position, both buyers and supplier's benefit.