Ship the order. Get paid before your buyer does.
Pre-shipment finance from Trade Lenda covers your production and packing costs so you can fulfil export orders without straining working capital.
The export cash flow problem that turns down orders.
Raw materials, production, packing, and freight are all paid before your overseas buyer settles — typically 30 to 90 days after delivery. Nigerian exporters who cannot bridge that gap decline orders they could have filled.
Capital before production starts
A confirmed purchase order from an EU or UAE buyer is valuable. But raw materials must be sourced and production funded weeks before the goods leave Nigeria. This is the gap that causes most declined orders.
Freight and packing costs
Container booking, freight charges, and packing materials must be paid before the goods leave Nigeria. Pre-shipment finance covers this entire disbursement phase.
Offering competitive payment terms
EU and UK buyers expect 30 to 60 days after delivery as standard terms. Nigerian exporters who cannot offer those terms lose orders to competitors in other markets. Pre-shipment finance lets you offer the payment terms the buyer wants without waiting to be paid before accepting the next one.
How pre-shipment export finance works
Advance against a confirmed purchase order
Submit your confirmed purchase order from the overseas buyer, a production cost breakdown, and your NEPC (Nigerian Export Promotion Council) or NES documentation. We advance capital against the confirmed order value — before production begins.
Buyer risk scored too
We score your overseas buyer, not just your business. Payment history, dispute frequency, and country risk all feed our model. A buyer with a clean payment record unlocks better financing terms for you.
Repayment on buyer settlement
Repayment is aligned to when your overseas buyer pays — typically 45 – 120 days. Your cash flow matches the trade cycle, not an arbitrary bank schedule.
We finance trade to these markets
Our model carries buyer risk data and trade corridor intelligence for these export destinations from Nigeria. We do not currently finance export orders to markets under active CBN foreign exchange restrictions.
Stop declining export orders because of the cash flow gap.
Pre-shipment finance from ₦10M covers production through to delivery. Capital decision in 48 hours.