Trade finance

Purchase finance

For stronger, insurable buyers. The financier purchases on your behalf without needing an end-customer contract, insured against risk. Available from £50,000 upwards.

Apply for Purchase financeLearn moreOn qedfinance.com
Range
From £50,000
Term
To sale of goods
Family
trade
Search
Full market, one file

At a glance

  • From £50,000
  • No end-customer contract
  • Insurable buyers
  • Stock in

How it works

  1. 1For stronger, insurable buyers. The financier purchases on your behalf.
  2. 2No end-customer contract is required — the facility sits on the insurer’s view of you.
  3. 3Available from £50,000 upwards.

Who it’s for

  • Established buyers with insurable credit
  • Businesses stocking in ahead of sales rather than against a named order

Good to know

This is a trade product, not a vanilla loan. Expect questions on supplier, goods and how stock turns.

One application with QED searches the full market. That saves you running the same file around several lenders, and it avoids multiple credit searches on the business and directors. A hard search is only placed when you proceed with a chosen lender.

Documents QED will ask for

Same list as the attach-files section on the website application. Tick what you have when you apply; email the rest.

  • Last published accounts (full accounts, not abbreviated)
  • Latest management accounts if year-end is stale
  • Last 3 months’ business bank statements
  • Pro-forma invoice
  • Purchase order
  • Commercial invoice
  • Contract of sale
  • Transport document / bill of lading (if shipped)
  • Buyer and supplier names and addresses

FAQ

Drawn from qedfinance.com and the way the UK market actually underwrites these facilities.

Why would a funder buy the goods for me?

Because they have insured you. Title and risk sit in a structure that lets you trade without tying up cash in the purchase.

Do I need an end-customer contract?

No. That is the point. The financier buys on your behalf because you are an insurable buyer. Facilities from £50,000.

Who is this for?

Stronger, established buyers stocking in ahead of sales rather than against a named order. Expect questions on supplier, goods and how stock turns.

Why not just pay by telegraphic transfer?

A plain TT is fast but puts all risk on the buyer — you may pay for goods that never ship or fail quality. An open account does the opposite and loads the exporter. Trade finance is the middle path.

Can products be combined?

Yes. Import finance is often paired with a letter of credit and then repaid from invoice finance once goods are sold on.

Ready to discuss this facility?

Start a short application and QED will help you compare the available market.

Start an application

QED is a broker, not a lender. A low credit score can limit options with some houses; a search with us does not place a hard search on the business or directors until you proceed with a chosen lender.