Convert your invoices into cash long before the due date
Get up to $10m in 48 hours, all online.
Sign up on Stenn.com and tell us about your company
Check your buyer and get a preliminary limit for a credit facility
Submit invoices and transport documents for financing
Get funded in 48 hours after the approval and signing 2 documents
Invoice financing for Suppliers
Invoice financing, also known as 'invoice factoring' or 'accounts receivable financing', is a form of financing based on outstanding invoices. It allows suppliers (exporters) to improve cash flow by receiving advances from a third-party finance provider against unpaid invoices.
Who Uses Invoice Financing?
Invoice factoring is incredibly accessible. Businesses of any size can benefit from invoice financing but the service is common in international trade where companies expanding into global markets are cautious about new Buyers that demand deferred payment terms for goods and services.
The Advantages of Invoice Financing
Instant cash flow - some factoring companies can deposit funds within 48 hours of approval, meaning SMEs can be paid soon after the invoice has been issued rather than waiting for payment from the Buyer.
No collateral needed - the invoice finance loan uses the invoice itself as collateral and thus is not a risk to any other business assets.
No need to chase the Buyer - if the Exporter applies for non-recourse financing, the financier will own the invoice, chase late payment and suffer the loss if the invoice isn’t paid.
Sellers and buyers who has a shipped deal
Companies engaged in international and domestic trade
Only invoice and transport document needed
Why companies trust Stenn
We’ve funded companies
to a current total of:
$20 Billion
and are getting started
We're backed by financial giants like:
HSBC
Citi
and many others
Based in London, we are
one of the fastest-growing FinTech companies in Europe.
Frequently Asked Questions
If you have any invoices waiting to be paid by your buyer you can convert them into cash even before the due date. Just upload your invoices and transport documents on the platform, get the approval, sign 2 documents and get the money in your bank account within 48 hours.
A turnover boost – no need to wait for deferred payments.
Instant coverage of urgent business needs – taxes, debts, salaries.
Funding when the bank can't support you (or you're over the limits).
Quickly finance the supply of raw materials for the next production cycle.
Suitable when you have a new buyer and need payment insurance.
No financials or collateral needed.
More About Applicants
Stenn finances invoices that are later paid by the buyer, so we need establish the buyer’s credit worthiness to set a funding limit.
The supplier can increase that funding limit by providing us with more information about its buyer.
A Supplier company must be a legal entity that’s been in operation for at least 12 months.
It must sell consumer or professional goods (apparel, electronics, automotive parts, etc.) or provide a service such as software development or consulting.
The Supplier’s Buyer must be based in a different country. Stenn only finances
international trade.
The Supplier’s Buyer cannot be: in arrears, insolvent, in court, or a company affiliated to the Supplier.
You as an importer...
Buy goods now and pay later.
Get better prices for better
trading terms.
Enjoy longer payment terms,
up to 120 days.
Onboard new suppliers on your
own terms.
Optimise your cash flow, reducing the number of operations.
Your supplier...
Receives 100% invoice payment*
Gets credit protection.
