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What is trade finance?
Trade finance makes it easier to buy and sell across borders, and across the ocean. It’s a set of finance tools that have developed over time to meet the needs of importers and exporters of both finished goods and raw materials.
Letters of credit, bills of exchange and loans designed specifically for international trade are all elements of trade finance. What they have in common is that they are all concerned with ensuring businesses have the right funds, at the right time.
Both importers and exporters want the confidence that they have access to the working capital they require to keep doing business. Trade finance gives them this confidence, and as a result, it helps keep the wheels of international commerce turning.

What is trade finance?
Trade finance makes it easier to buy and sell across borders, and across the ocean. It’s a set of finance tools that have developed over time to meet the needs of importers and exporters of both finished goods and raw materials.
Letters of credit, bills of exchange and loans designed specifically for international trade are all elements of trade finance. What they have in common is that they are all concerned with ensuring businesses have the right funds, at the right time.
Both importers and exporters want the confidence that they have access to the working capital they require to keep doing business. Trade finance gives them this confidence, and as a result, it helps keep the wheels of international commerce turning.
Could a Spotcap business loan be my alternative to trade finance?
A Spotcap loan can be a practical alternative to trade finance for firms in many industries. Here are just a few examples of how our loans help by:

How does a Spotcap unsecured loan compare with trade finance?
A typical trade finance arrangement is focused on ensuring your business has access to working capital when you’re importing or exporting. A Spotcap business loan delivers the same outcome, giving flexible access to finance as you need it.
A significant difference between a Spotcap business loan and many other forms of trade finance is that we do not ask for any security or a guarantee. Our unique approach to assessing a firm’s financial health makes it possible for us to offer unsecured loans.
Because the loan is unsecured, and delivered on flexible terms, it offers a genuine alternative to businesses looking for trade finance. The Spotcap loan solution has been designed to meet the needs of growing and ambitious businesses in the UK.
Key points about the Spotcap alternative to trade finance
Apply for our finance online using a process that can take just five minutes.
Business loan repayment calculator
£9,340
Monthly Repayment
Monthly Repayment
£9,340
Steps to applying for your trade finance alternative
Sign up
Applying for our business loan starts with the entry of basic personal and business information, all input online.
Complete the application
The application can be completed in around fifteen minutes, by uploading standard reports or by giving us read-only access to your accounting system.
Get approval
When you are approved, allow one working day to gain access to your business loan.