Supplier Payment Financing FAQ

If the annual revenue of your business is more than £1m, has a tangible net worth of £100,000, and displays a healthy trading record for at least two years, you can apply for Ebury financing

The best way to get started is to get in touch with one of our relationship managers and discuss your business needs.

We don’t take ownership of your goods or require security against your business. In rare cases, we may require a personal or cross-company guarantee to provide financing.

To assess your business, we will need your full accounts for the last two years, management accounts for the past 12 months, and your aged debtors and creditors lists. To ensure your credit account remains active, we also request regular financial updates.

Once you’ve submitted your information, the process usually takes up to two weeks, though we’ll always aim to move faster for you whenever possible.

No. Since we don’t ask for security, our financing solution should not conflict with your other banking and finance relationships.

Once your account and credit line are set up, funds are available to draw and pay your suppliers as soon as you sign your T&Cs.

We offer a flexible credit line for up to 150 days to fund your purchases and support your global growth ambitions.

Yes, you can use our solution to fund both your international and domestic purchases.

Yes, you can choose which invoices you would like us to finance.

Yes, you have the freedom to choose how you pay your suppliers, whether you need to cover a deposit or settle the full invoice up-front.

Yes, provided they are not related business entities (i.e., shared ownership), and they meet our supplier criteria.

Yes, you can if it is within your credit limit.

You can repay us within 150 days, along with interest accrued on the line, in your local currency at a rate pre-decided and mentioned in your terms and conditions.

Interest is quoted on a 30-day basis and applied daily after an initial 30-day minimum period.

For example: if you were to use £100,000 of financing at a rate of 1% per 30 days, your total repayment after 150 days would be £105,000. If you chose to repay after 60 days, the total would be £102,000.

With nearly two decades of experience and the backing of Banco Santander, Ebury provides secure, FCA-regulated solutions to help you scale globally. You can trade with confidence knowing your funds are protected, supported by our dedicated global team and intuitive platform.

Ebury offers fast, unsecured financing with higher limits and more flexibility than traditional bank loans. You only pay interest on the amount you use, and our intuitive platform handles the tracking and reporting so you can stay focused on growing your business.