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ACCESS NEW AVENUES

Businesses are often unable to gain access to financing when they need it. In addition to that, Financial Institutions continue to suffer from lack of transparency and accurate trade data to enable them to make informed decisions and lend to businesses accordingly.

When running a business, sometimes the most cost-effective option is from suppliers abroad. PESA CAPITAL's Financing program provide businesses with access to flexible financing and logistics solutions through PESA CAPITAL's network of buyers, wholesalers, and distributors. This allows for a seamless transaction between the business and the overseas supplier that does not interrupt cash flow. It also grants security and peace of mind to both the business, who may be uneasy with the risk associated with purchasing abroad and the supplier, who may be wary about shipping large amounts of goods without payment.

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HOW IT WORKS

Trade finance assists with trade cycle funding gaps and allows businesses to obtain goods from a supplier with cash upfront. When a supplier abroad is exporting goods to a business partner elsewhere, they will want assurance that payment will be received in a timely fashion. Instead of the business owner paying for goods right away, the institution handling their import financing will instead produce a letter of credit that will be presented to the supplier or their finance company. The letter of credit serves as a guarantee of payment when the conditions of the initial supplier agreement are met. Upon receipt of goods, payment is made to the supplier or their finance company.

This arrangement can be used for a one-time purchase of supplies or on a continuing basis if there will be a lasting business relationship between the importer and the exporter.

ASSET BACKED LENDING

  • Using a company’s balance sheet assets as a security to lend.
  • Secure an easy way to provide working capital loans.

INVOICE FINANCING

  • Known as receivable financing.
  • Providing Working Capital Loans against their invoices to help them unlock cash tied up invoices and therefore speeding up cash flow.

SUPPLY CHAIN FINANCE

  • Known as supplier finance / reverse factoring
  • We provide solutions to optimize cash flows by allowing businesses to lengthen their payment terms to their suppliers while providing the option for their large and SME suppliers to get paid early.

PURCHASE ORDER FINANCING

  • Lending to businesses with purchase orders to pay their suppliers and smooth out cash flow.
  • Effective option for those businesses which need a quick way to manage cash flows.

STRUCTURED TRADE FINANCE (STF)

  • Working Capital Loans dedicated to the financing of commodity flows.
  • STF transactions are structured around the supply chain and commercial terms of customers, usually involving bilateral strategic relationships