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Trade Finance · Business

Trade & Working Capital Finance

Finance for importing, exporting and bridging the gap between paying suppliers and getting paid by customers.

Prime + 3%from
Indicative rate, risk-based
  • Import and export letters of credit
  • Invoice discounting against outstanding customer invoices
  • Bridging finance for confirmed purchase orders
  • Foreign exchange facilities for international trade

What's included

Import & export finance

Letters of credit and guarantees to support international trade transactions.

Invoice discounting

Access cash tied up in outstanding customer invoices before they're due.

Foreign exchange

Manage currency risk on international trade with forward exchange contracts.

Facility & fee details

ItemDetail
Facility typesLetters of credit, invoice discounting, bridging finance
Interest rate rangePrime + 3% to Prime + 7%, risk-based
Facility reviewAnnual
Foreign exchangeForward contracts available on request
Minimum facility sizeR100,000

Common questions

What's the difference between trade finance and a standard business loan?

Trade finance is structured around specific transactions — like a confirmed order or outstanding invoice — rather than being a general-purpose loan.

Can I use this for both imports and exports?

Yes, facilities are available for both import finance (paying overseas suppliers) and export finance (getting paid faster by overseas customers).

Do I need a trading history to qualify?

Most facilities require at least 12 months of trading history and financial statements.

Trading internationally and need support?

An adviser at Mzansi Advisors can connect you with a trade finance specialist — at no extra cost.

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