Cross-border timing creates cash gaps
Suppliers may require payment well before goods are delivered and customers settle. Financing can support the commercial cycle between those events.
← All business financing uses
Business financing / TRADE / 12
Finance international trade
Finance the gap between buying, shipping, delivering and getting paid. WTE Bank finances international trade requirements including supplier payments, production, inventory, freight, logistics, duties and working capital across the trade cycle.
YOUR FINANCING NEEDConnect the order, shipment and payment
12Recognize your situation
This financing need may sound familiar.
Every business starts from a different position. These are examples of the situations our financing service is built to address.
01
You must pay an overseas supplier before goods can be sold.
02
An export order requires production and shipping costs up front.
03
Long shipment or payment terms create a trade cash gap.
The scope
What we can finance.
WTE Bank offers financing for the cash requirements created by international buying and selling—from supplier commitments and production through shipment, delivery and settlement. Cross-border timing, documentation and currency complexity do not by themselves prevent a trade from being financed.
01Import purchases and supplier deposits
02Export production and fulfillment
03Freight, logistics and shipping costs
04Inventory during transit
05Costs tied to contract milestones
06Working capital until overseas payment arrives
The work behind connect the order, shipment and paymentWhy this financing matters
Finance the opportunity—not just the history.
WTE Bank finances international trade requirements including supplier payments, production, inventory, freight, logistics, duties and working capital across the trade cycle.
The transaction itself matters
A financing request can be organized around the buyer, supplier, goods, contracts, shipment path, margins and settlement terms rather than treated as a generic business loan request.
Fund the trade cycle
Show the commercial documents, counterparties, costs, shipment timetable, payment terms and the cash requirement from sourcing through settlement.
Finance the movement from order to settlement
Move the goods. Finance the trade cycle.
International trade can tie up cash across suppliers, production, freight, customs and customer payment periods. Financing can bridge those stages so a viable trade is not constrained by timing alone.
01
Finance sourcing and production
Provide capital for supplier payments, deposits, inventory, manufacturing and other pre-shipment requirements.
02
Fund shipment and delivery
Cover freight, logistics, insurance, customs-related costs and other expenses required to move goods to the customer.
03
Bridge settlement timing
Support the period between shipment or delivery and final customer payment, including transactions with longer cross-border collection cycles.
An international trade financing approach
Financing may be linked to purchase orders, sales contracts, trade documents, shipment milestones and the expected settlement path, with the structure matched to the transaction.
A clear path forward
From supplier commitment to customer payment
You do not need to turn your financing need into bank jargon. Start with the commercial reality: what you need to fund, why you need it now, what the capital will accomplish and the information that supports the request.
01
Define the financing need
Identify the amount, purpose and timing of the capital required. Connect every major cost to the business objective.
02
Organize the supporting case
Bring together the contracts, budgets, operating information, forecasts and other evidence relevant to this financing use case.
03
Choose your next step
Use the readiness tool to prepare the request, open your WTE Bank account, or contact our team when you need direct assistance.
Choose your next step
Ready to move international-trade financing forward?
The financing need is clear. Now choose the route that best matches where you are today: prepare a structured financing request, establish your banking relationship, or speak directly with our team.
01Prepare your financing requestUse the Business Financing Readiness Tool to organize the information for your next financing step.START THE READINESS TOOL ↗02Open your bank accountBegin your WTE Bank relationship and access our banking services.OPEN A BANK ACCOUNT ↗03Contact our teamHave a specific financing requirement or need help deciding how to proceed? Reach the appropriate team.CONTACT OUR TEAM ↗
Prepare the essentials
What to have ready.
01Purchase order or sales contract
02Supplier quotations and trade terms
03Shipment and payment calendar
04Cost, margin and currency assumptions
Financing is subject to individual assessment, applicable documentation, final terms and approval. The readiness tool helps you prepare a request and does not itself constitute financing approval.