From Invoice to Cash in Four Steps
No bank meetings, no 6-week LC process. Upload your documents, receive an advance offer, confirm, and receive 90% of your invoice value within 24 hours.
The four steps
Submit Your Invoice and Documents
Upload your export invoice, bill of lading, and supporting trade documents directly through your Tradevynt dashboard or via API integration with your ERP system. We accept all major B/L formats including electronic telex release and straight bills.
- Commercial invoice (PDF or structured XML)
- Bill of lading or sea waybill
- Optional: packing list, certificate of origin
Time: 5–10 minutes
Automated Verification and Buyer Scoring
Our platform cross-checks your documents against carrier databases and customs records. Simultaneously, the buyer scoring engine assesses your buyer's creditworthiness using registry filings, payment benchmarks, and country risk data.
- B/L verification against carrier manifest data
- Buyer creditworthiness score generated in 2–4 hours
- FX rate calculated at prevailing mid-market rate
Time: 2–4 hours
Receive and Accept Your Advance Offer
You receive a binding advance offer showing the advance amount (up to 90% of invoice face value), the applicable financing fee, the locked FX rate (where applicable), and the expected disbursement timeline. Accept online — no paperwork.
- Advance rate: typically 80–90% of invoice face value
- Financing fee: quoted as % of invoice, not LIBOR-spread
- FX rate locked at offer acceptance
Time: 5 minutes to review and accept
Funds Disbursed, Residual Released at Maturity
The advance is disbursed to your nominated bank account within 24 hours of acceptance. When your buyer pays at invoice maturity, the residual (invoice total minus advance minus fee) is released to you automatically, net of any FX settlement.
- Advance to your account via SWIFT (same day in most corridors)
- Residual released automatically on buyer payment receipt
- Full transaction history in your dashboard
Time: 24h to disbursement
Traditional LC vs. Tradevynt
Letter of Credit (Traditional)
- Week 1–2LC application and bank approval
- Week 2–3LC issuance and transmission to advising bank
- Week 3–4Document presentation and compliance check
- Week 4–6Document transit, confirmation, and payment
- Total: 4–8 weeksPlus 5–8 bank fees
Tradevynt Invoice Financing
- T+0 to 2hDocument upload and automated verification
- T+2h to 4hBuyer credit score and offer generation
- T+4hAdvance offer delivered — accept online
- T+24hFunds in your account via SWIFT
- Total: 24 hoursSingle transparent fee
Common Questions About the Process
We finance export invoices for physical goods with an underlying bill of lading. Eligible invoices must be for goods-in-transit or recently delivered (within 10 days of B/L date), payable by a buyer in an OECD country or select emerging markets, and denominated in EUR, GBP, USD, PLN, or CZK. We do not finance pure services invoices or invoices without a B/L.
The advance rate (80–90% of invoice face value) is primarily determined by your buyer's credit score. A buyer with a strong score and short payment history with you will yield a higher advance rate. Invoice currency, destination country, and your export history with Tradevynt also factor in.
Tradevynt provides non-recourse financing for qualified transactions. If a buyer defaults after Tradevynt has verified and accepted the invoice, we absorb the credit loss — not you. Non-recourse protection is subject to our standard terms and requires disclosure of any known disputes at the time of submission. Recourse terms may apply to higher-risk buyers.
Yes. Scale and Enterprise clients can maintain concurrent advances against multiple buyers, subject to per-buyer and portfolio-level limits. Your dashboard shows all active advances, due dates, and residual positions in real time.
Fees are expressed as a percentage of the invoice face value and are deducted from the residual payment when the buyer settles. You receive the advance minus nothing — the fee comes out of the residual at maturity. This means your working capital impact on the day of advance is the full advance amount.
Ready to Accelerate Your Export Receivables?
Check eligibility in minutes. No commitment required until you accept an advance offer.