FCA & ICC REGULATED TRADE FINANCE

Powering Global Trade
with Smart Finance

Letters of credit, escrow payments, invoice factoring, supply chain finance, and trade insurance — all on one platform. Built for UK & international B2B commerce with full regulatory compliance.

£4.7B+ Trade Volume Financed
12,000+ Businesses Served
85+ Countries Covered
99.7% Payment Security Rate
FCA Regulated
ICC UCP 600 Compliant
Bank-Grade Security
85+ Countries
Trade Assurance
FINANCE PRODUCTS

Trade Finance Solutions

From letters of credit to supply chain finance — choose the right financial instrument for every trade.

Popular

Letters of Credit (LC)

Bank-guaranteed payment assurance for international trade. Reduce counterparty risk on cross-border transactions.

  • Sight & usance LCs
  • Standby letters of credit (SBLC)
  • ICC UCP 600 compliant
  • 200+ issuing banks worldwide
  • Digital document submission

Escrow Services

Secure third-party payment holding. Funds released only when both parties confirm delivery and satisfaction.

  • Multi-currency escrow
  • Milestone-based releases
  • Automated dispute resolution
  • Real-time tracking dashboard
  • FCA regulated accounts
Fast

Invoice Factoring

Unlock cash from unpaid invoices within 24 hours. Improve working capital without taking on debt.

  • Up to 90% advance rate
  • 24-hour funding
  • Recourse & non-recourse options
  • Selective invoice discounting
  • Credit control support

Supply Chain Finance

Optimise payment terms across your supply chain. Suppliers get paid early while buyers extend terms.

  • Reverse factoring
  • Dynamic discounting
  • Multi-tier supplier support
  • ERP integration ready
  • Automated payment matching

Trade Credit Insurance

Protect against buyer default, political risk, and non-payment. Trade confidently in any market.

  • Single buyer & whole turnover cover
  • Political risk insurance
  • Pre-shipment & post-shipment
  • Export credit guarantees
  • Lloyd's syndicate backing

Bank Guarantees & Bonds

Performance bonds, advance payment guarantees, and bid bonds for tenders and contracts worldwide.

  • Performance guarantees
  • Advance payment bonds
  • Bid/tender bonds
  • Retention money guarantees
  • URDG 758 compliant

From Application to Funding in 4 Steps

Our digital-first platform makes trade finance fast, transparent, and accessible to businesses of all sizes.

1

Apply Online

Submit your trade finance application in under 10 minutes. Upload invoices, POs, or LC requests digitally.

2

Credit Assessment

Our AI-powered risk engine assesses your application using trade data, financial history, and counterparty analysis.

3

Get Approved

Receive multiple funding offers from our panel of 50+ lenders, banks, and institutional investors within 24–48 hours.

4

Trade & Get Paid

Execute your trade with confidence. Track shipments, manage documents, and receive payments — all from one dashboard.

Trusted by Thousands of Businesses

Enterprise-grade trade finance with unmatched speed and transparency.

£4.7B+
Total Trade Financed
24hrs
Average Approval Time
50+
Lending Partners
0.05%
Default Rate
USE CASES

Finance Every Type of Trade

Whether you're importing raw materials or exporting finished goods, we have the right solution.

Import Finance

Finance the purchase of goods from overseas suppliers with pre-shipment funding, LCs, and import loans. Extend payment terms while suppliers get paid upfront.

Export Finance

Access pre-export working capital, export LCs, and forfaiting to fund production and bridge the gap between shipment and payment collection.

Commodity Trade

Structured commodity finance for oil, metals, agriculture, and soft commodities. Warehouse receipts, pre-payment, and tolling finance available.

Distributor & Dealer Finance

Stock finance and channel finance for dealers, wholesalers, and distributors. Fast inventory funding with flexible repayment aligned to sales cycles.

E-Commerce & Marketplace

Working capital for online sellers, marketplace escrow, and buyer financing. Integrated with Elinom Marketplace for seamless B2B digital trade.

Construction & Project Finance

Performance bonds, advance payment guarantees, and retention release for infrastructure and construction projects. FIDIC-aligned instruments.

Fully Regulated & Compliant

Every transaction meets UK, EU, and international trade finance standards.

FCA Authorised

Fully authorised and regulated by the Financial Conduct Authority for all financing activities.

ICC Standards

All LCs comply with UCP 600 and guarantees follow URDG 758 — the global gold standards.

AML & KYC

Robust anti-money laundering checks, enhanced due diligence, and PEP/sanctions screening on every transaction.

OFAC & EU Sanctions

Real-time sanctions screening against OFAC, EU, UN, and HMT lists. Fully compliant with UK Export Control.

Trade Finance, Reimagined

We combine cutting-edge fintech with deep trade expertise to deliver faster, cheaper, and more transparent financing for global commerce.

  • Digital-first: apply, track, and manage everything online — no paper, no fax
  • 50+ lending partners including Tier 1 banks, fintechs, and institutional funds
  • AI-powered credit scoring with 24-hour turnaround
  • Multi-currency: GBP, EUR, USD, and 30+ currencies supported
  • Integrated with Elinom ERP, Marketplace, and FleetTrack modules
  • Dedicated trade finance advisor for deals above £100K
  • SWIFT-connected for real-time payment tracking
  • OpenBanking & API access for enterprise treasury integration
Apply Now Talk to Advisor
£4.7B+
Trade Volume Financed
24hr
Average Decision Time
0.05%
Default Rate
4.9?
Client Satisfaction

Banking & Institutional Partners

TESTIMONIALS

What Our Clients Say

Hear from businesses already using Elinom Trade Finance to power their global trade operations.

"We needed an LC for a £1.2M machinery import from Germany. Elinom had it issued through a Tier 1 bank in 48 hours — something our local branch quoted 3 weeks for. Game changer."

RH
Robert Hughes
CFO, Midlands Manufacturing Group

"Invoice factoring through Elinom freed up £400K in working capital overnight. The platform is seamless — upload invoices, get funded within 24 hours. No lengthy paperwork."

AP
Amira Patel
MD, GreenLeaf Textiles Ltd

"The escrow service gave both us and our Nigerian buyer confidence in a $3M equipment deal. Milestone-based releases meant we could ship in phases without risk. Outstanding service."

DK
David Kowalski
Director, EuroTech Engineering

Frequently Asked Questions

Everything you need to know about trade finance on the Elinom platform.

What is the minimum transaction size?

Our trade finance products are available from £5,000 for invoice factoring, £25,000 for escrow services, and £50,000 for letters of credit. There is no upper limit — we regularly handle transactions above £10M.

How long does approval take?

Invoice factoring decisions are typically within 24 hours. Letters of credit and escrow services are approved within 24–48 hours. Complex structured deals may take 3–5 business days. All applications are tracked in real time on your dashboard.

Which currencies do you support?

We support 30+ currencies including GBP, EUR, USD, JPY, CNY, AED, NGN, ZAR, INR, and more. Multi-currency transactions are handled seamlessly with competitive FX rates locked at the point of deal execution.

Is my business eligible?

We work with UK-registered limited companies, LLPs, and sole traders with at least 6 months of trading history. For international businesses, eligibility varies by product — our team can advise on the best route. We accept startups for invoice factoring with 3+ months trading history.

What documentation is required?

For invoice factoring: recent invoices, bank statements, and accounts. For LCs: proforma invoice, purchase order, and shipping documents. For escrow: signed trade contract and proof of goods/services. All documents can be uploaded digitally — no physical paperwork required.

What are the fees?

Fees vary by product: invoice factoring from 0.5–2.5% of invoice value; LCs from 0.15–1.5% per annum; escrow services from 0.25% flat fee. All fees are quoted upfront with no hidden charges. You can request a personalised quote before committing.

Ready to Finance Your Next Trade?

Join 12,000+ businesses using Elinom Trade Finance to power global commerce. Apply online in 10 minutes.