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Importers & wholesalers · Ireland
Importer & wholesaler
business loans.
Buying stock months before you get paid is the hardest part of importing and wholesaling. We help Irish importers and wholesalers compare trade finance, term loans and invoice finance through specialist lenders.
Trade finance for stock
For importers and wholesalers buying physical goods to resell.
- Repayment terms up to 180 days — time to land, sell and get paid for the stock
- The lender pays your supplier directly, in Ireland or overseas
- Some qualifying overseas supplier payments can be funded without a letter of credit
- Typically suits businesses with 12+ year trading and around €500,000 in annual sales, ideally profitable
- Supplier checks and transaction documentation still apply
Term loans & working capital
For established businesses covering the gaps between buying stock and getting paid.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Cover duty, freight, warehousing and the day-to-day costs with monthly repayments
Invoice finance
For wholesalers selling to trade customers on credit terms.
- Unlock cash from unpaid invoices instead of waiting 30–90 days
- Finance can cover your whole sales ledger as it grows
- One-off or ad hoc invoice finance starts at €100,000 per invoice
- Suits established wholesalers with business customers on credit terms
- Eligibility depends on your customers and trading history
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Trade finance facilities fund eligible supplier invoices subject to lender approval and agreed terms.
Client success · March 2025
A €500,000 stock facility, used again and again
An Irish battery, lighting and recycling supplier serving Ireland and the UK imports much of its stock from China. In 2024 we arranged a €500,000 trade finance facility, and by March 2025 the business had used it repeatedly to fund supplier payments as orders came in.
Because the facility pays the supplier directly, the business can take on bigger orders without tying up its own cash — and some qualifying overseas payments can be funded without a letter of credit.
Importing stock yourself? Our trade finance page explains how the facility works, and invoice finance may suit if your own customers pay on credit terms.
Guides for your industry
4 November 2026
Trade Finance in Ireland: Get Your Stock Funded and Take Up to 180 Days to Pay
Buying stock before customers pay? Trade finance can fund eligible supplier invoices and give Irish importers, retailers and wholesalers up to 180 days to repay.
Read guide →
2 November 2026
Invoice Finance Ireland for Growing SMEs
Release cash tied up in unpaid B2B invoices. Understand factoring, invoice discounting, lender fees and the documents Irish SMEs need.
Read guide →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
Common questions
Do I need a letter of credit to pay overseas suppliers?
Not always. Some qualifying overseas supplier payments can be funded without a letter of credit, which can make importing far simpler. The lender still checks the supplier and the transaction paperwork.
How does trade finance work for importers?
The lender pays your supplier directly and you repay over up to 180 days, giving you time to land the goods, sell them and get paid before the repayment falls due. It typically suits businesses with at least one year trading, around €500,000 in annual sales and a profitable track record.
My customers pay me on 60-day terms — what are my options?
Invoice finance can unlock cash from your unpaid invoices instead of waiting for trade customers to pay. It can cover your whole ledger as it grows, and one-off invoice finance starts at €100,000 per invoice. A term loan can also smooth the gap between buying stock and getting paid.
Free to you. Lenders pay us a commission when your loan completes. How we get paid