Buyer lending products
Buyer pre-financing credit facility
Fair trade buyers often want, or are required, to provide
producer groups with pre-finance when placing an order.
However, buyers can find themselves struggling to provide
sufficient pre-finance from their own cash reserves. We
assist by offering fair trade buyers a facility which can be used
to pre-finance orders with their producers. In addition a
buyer can also benefit from a further credit period after the order
is received enabling them to sell their product and receive an
income prior to repayment of the amount borrowed.
Shop loans are specifically designed for retailers of fair trade
products. They enable a business to finance their fair trade
stock purchases, with repayment in an agreed period. We agree
the loan amount in consultation with each applicant.
We provide loans generally for the purchase of assets and
working capital. Borrowing is for between one and five years
and repayments are set depending upon the circumstances of the
buyer. Loan sizes are determined by the financial situation
of the buyer and their ability to repay the loan.