STOCK & TRADE FINANCE

Smarter Working Capital for Goods You Buy, Hold, or Move
At Business Finance Trust, we help businesses free up working capital and keep supply chains moving with tailored Stock Finance and Trade Finance solutions.

Whether you're purchasing goods in bulk, funding international trade, or holding inventory to meet demand, we provide trusted, flexible finance — so you can grow without cash flow barriers.

WHAT IS STOCK AND TRADE FINANCE

Stock and Trade Finance are working capital solutions designed to fund the purchase, movement, or storage of goods — from raw materials and inventory to finished stock and bulk imports.

Both finance types help bridge the cash flow gap between ordering stock and receiving payment from customers, but they support different stages of your supply chain:

Stock Finance helps you buy and hold goods ready for sale
Trade Finance helps you pay suppliers (often internationally) and complete trade transactions

Used individually or together, they offer the flexibility and support your business needs to manage large orders, long lead times, and growth opportunities.

STOCK FINANCE

Buy and hold more stock — without tying up cash

Stock Finance provides the funding to purchase goods or raw materials that your business needs for resale or production. It allows you to increase inventory levels without putting pressure on your cash flow.

It allows you up to 120 days credit to pay your suppliers. This is used alongside an Invoice Finance facility.

Use it to:

Buy goods in bulk to access supplier discounts
Manage seasonal or peak trading periods
Hold stock longer without cash strain
Finance raw materials, finished goods, or resale stock

Best for:
Retailers, wholesalers, manufacturers, distributors

TRADE FINANCE

Finance your supply chain — from purchase order to delivery

Trade Finance supports your business through the entire trade cycle, especially when dealing with large supplier orders, imports, or longer payment terms.

We can fund transactions both domestically and internationally, giving you the confidence to place large orders, pay suppliers promptly, and manage complex trade arrangements.

Use it to:

Pay overseas or UK suppliers in advance
Fulfil large customer orders
Import or export goods with long lead times
Improve supplier terms and supply chain efficiency

Best for:
Importers, exporters, wholesalers, manufacturers

WHY WORK WITH US

✔️ Independent, Trusted Advice
We’re not tied to one lender — we find the right finance structure for your business.

✔️ Access to Specialist Lenders
We work with a panel of funders who understand trade and inventory cycles, offering competitive and flexible facilities.

✔️ Support for Complex Transactions
We help with international trade, multi-currency deals, supplier funding, and combined stock-trade structures.

✔️ Tailored to Your Supply Chain
Facilities can be structured around your specific payment terms, trading partners, and product flow.

✔️ Fast, Responsive Support
Our experienced team guides you through every step — from enquiry to drawdown — with clear, proactive communication.

Ready to Keep Your Stock Moving and Your Cash Flow Flowing