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Trade Loans

What are the benefits?

A Natwest Trade Loan is a tailored funding solution based on your working capital needs. A Trade Loan could help in many ways including: 

  • Funding supplier payments or stock purchases. 
  • Providing the required working capital required to import, export or trade within the UK.
  • Allow you to offer more attractive terms to your suppliers and customers

A Natwest Trade Loan could be more cost-effective and may provide higher amounts of working capital compared to some other funding methods.

Our team of qualified trade finance and working capital experts are ready to work with you. We'll take the time to understand your trade cycle and identify opportunities where a trade loan could help.

Trade Loans Explained

A Natwest Trade Loan could be used as a revolving facility supporting regular funding needs, including supplier payments or stock purchases, or to provide the working capital required to fund a specific contract.

 

We'll work closely with you to create a customised solution that fits your business, providing confidential financing that is kept separate to any other debt you may have.

Where can we help?

Use our needs selector to explore where we can help.

Where can we help?
Where can we support you dealing with your suppliers?

Mitigate risks to support the timely and secure receipt of goods and services

Import Letters of Credit could be a valuable tool for managing supplier risk.

An Import Letter of Credit is a commitment from us to pay your seller on your behalf, using a pre-agreed credit facility. Payment is only made upon receipt of specified documents from your seller, ensuring that the transaction details are verified.

These letters of credit are designed to assist with supplier negotiations and facilitate the receipt of goods or services, whether sourced domestically or internationally. 

Alternatively, solutions such as Bonds, Guarantees, and Collections could also support your needs.

Whether you are engaging with a new supplier or managing risk with an existing one, we are here to support you every step of the way.

Manage costs and strengthen supplier relationships

A Trade Loan or Import Letter of Credit could be used to offer attractive terms to your suppliers, potentially achieving preferential terms without impacting your working capital. 

Alternatively other solutions that could support your business include Collections and Bills of exchange Discounting.

Whether you are negotiating with a new supplier or discussing pricing with an existing one, we are here to support you every step of the way.

Funding supplier payments

A Trade Loan could assist you in funding regular supplier payments or those required for a one-off contract. 

This type of loan can bridge the funding gap between paying your suppliers and receiving payment from your buyer. 

Alternaively, other solutions such as Import Letters of Credit and Collections could further support your business needs.

Whatever your funding requirements, we are here to provide a working capital facility tailored to your needs.

Where can we support you dealing with your buyers?

Manage risk, helping you to get paid

Export Letters of Credit could help you reduce risk when trading in the UK or overseas. You would receive a commitment from your buyer’s bank to pay on behalf of their client, provided certain pre-agreed conditions are met.

Alternative solutions that could potentially support your business include Collections, Bonds and Guarantees.

Whether you are working with a new buyer or looking to manage risk exposure with existing buyers, we are here to support you every step of the way.

Win contracts & strengthen relationships

A Bond or Guarantee could give you a competitive advantage when seeking new business opportunities or participating in contracts that require a bank guarantee. 

Other solutions that could provide a competitive edge include Trade Loans, Letters of Credit, and Collections.

Our solutions could support you in negotiations with buyers, helping to offer extended payment terms or provide assurance to buyers, potentially giving you a competitive edge.

Funding buyer credit terms

A Trade Loan could provide the working capital you need while waiting for payment from your customers. 

Alternative solutions that could potentially support your business include Export Letters of Credit, Collections, and Bills of Exchange Discounting.

Whatever your funding requirements, we are here to provide a working capital facility tailored to your needs.

What do you need working capital for

Funding supplier payments

A Trade Loan could assist you in funding regular supplier payments or those required for a one-off contract. 

This type of loan can bridge the funding gap between paying your suppliers and receiving payment from your buyer. 

Alternaively, other solutions such as Import Letters of Credit and Collections could further support your business needs.

Whatever your funding requirements, we are here to provide a working capital facility tailored to your needs.

Stock

A Trade Loan could provide the working capital you need to purchase stock. This type of loan can bridge the funding gap between paying your suppliers and receiving payment from your buyer. 

Alternatively, other solutions such as Import Letters of Credit and collections could further support your business needs.

Whatever your funding requirements, we are here to provide a working capital facility tailored to your needs.

Buyer credit terms

A Trade Loan could provide the working capital you need while waiting for payment from your customers. 

Alternative solutions that could potentially support your business include Export Letters of Credit, Collections, and Bills of Exchange Discounting.

Whatever your funding requirements, we are here to provide a working capital facility tailored to your needs.

A new contract

A Trade Loan could provide the working capital you need to deliver on new contracts.  This type of loan could bridge the funding gap between paying your suppliers and receiving payment from your buyer.

Our solutions offer the necessary funding at every stage of a new contract, whether it's for payables, stock, the manufacturing period, or buyers' terms.

Alternative solutions that could potentially support your business include Letters of Credit and Collections.

Whatever your funding requirements, we are here to provide a working capital facility tailored to your needs.

GBNI logo - Proud to support Great Britain and Northern Ireland

Tools to help you Trade

We’re proud to support the government’s campaign to help businesses expand internationally. Through the use of schemes provided by UK Export Finance, NatWest and the Department for Business and Trade and UK Export Finance could provide access to finance that might not otherwise be possible.

How other businesses use Trade Loans

Counterline

See how UK manufacturer, Counterline, used Trade Loans to grow in new markets. 

NH Case

Thomas Case shares his insights on running the family business, from managing food processing costs to mitigating risks in the supply chain.

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Bayliss Metals

David Bayliss shares his insights on making a profit in a sustainable way, keeping suppliers happy and learning how to mitigate risk.

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To find out more about Trade Loans, take a look at our Fact Sheet (PDF, 107KB).

New customer? Enquire now

If you have a working capital requirement, give us a call on 0345 303 0077.

Customers with hearing and speech impairments can contact us by using our Relay UK Service: 18001 0345 303 0077.

Mon to Fri 9am-5pm (excl.public holidays).

For more information on accessibility visit our accessibility page

Calls may be recorded for training and monitoring purposes.

To see how much your call might cost, visit the call charge information page.

Existing Trade Customers

Thanks for choosing Trade Loans. If your Relationship Manager has confirmed you have a credit line in place to support this request, complete your drawdown request through our application form below.

 

Other Trade Finance options

We offer a wide range of trade finance products, discover how these could help out with your business needs…

Provide a secure method of settlement and reduce the risk of non- payment for delivered goods. Once issued they are legally binding, irrevocable and cannot be cancelled unless all parties agree.

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Documentary collections provide a secure way to make and receive payments during international trade.

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Bonds & guarantees, and standby letters of credit, provide companies with additional protection in respect of their business or customers, performance or financial obligations. We can issue guarantees on your behalf or receive and validate guarantees issued by other banks in your favour.

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Additional support for your business

Managing risk

Help protect against the impact of exchange rate fluctuations and the risk of not being paid

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Max Trad

Our secure online platform lets you manage your international trade transactions from anywhere, 24 hours a day

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Trade Finance Portal

Our new online platform lets you manage your domestic and international trade transactions effectively.

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To compare all of our Trade Finance products, see our Trade Finance Homepage


For our Currency lending interest rates, please visit Business Currency Current Account page

Something else we can help you with?