A Funder that understands your company and
supports you in everything to do with
international trade is good for business.
Your partner in trade.
How many banking services does a company need? Every business is
unique and has its own very specific requirements, which means that no
two businesses make exactly the same demands of their bank.
Your business target is long-term,
sustainable growth.
So just how many banking services does your company need?
It all comes down to the business you are in, and your organization’s
requirements. First, we’ll offer you sound advice, based on your
business’s needs, goals and processes. Then we’ll introduce you to the
comprehensive offering of products and services available to you, and
work with you to devise a solution specifically tailored to your
company’s requirements.
It doesn’t matter whether you’re a large or a small company, whether
you manufacture products or provide services, or even whether your
business is local, national or global in scale: we will provide you with
exactly the banking services you need. Which allows us to create added
value for you – and that’s always good for business.
Strengthen your position as first-choice business
partner.
Red Apple Finance Partners Limited provides trade finance to clients
involved in exporting or importing finished goods through:
Providing appropriate finance to fund the transaction;
Minimising risks, particularly credit and political risks; and
Managing the supply chain cash flow.
Red Apple Finance Partners Limited comprises knowledgeable and
technically proficient Trade Finance professionals and corporate risk
managers who understand the commercial pressures and demands of
cross-border risk management, finance and logistics.
Red Apple Finance Partners Limited originates structures and finances
business where there is an underlying trade. We use a range of financial
and risk mitigation solutions to help meet your exact requirements
including:
Procurement Finance
Order Finance
Receivables discounting , as part of an overall solution
Letters of Credit confirmations
Forfaiting
Pre- Export finance
Commodity Finance
Import finance facilities
Guarantees and Standby Letters of Credit
Capital Goods Finance and Leasing
Credit Insurance
Gas BBQ’s; Children’s clothing; Commercial batteries; Replacement
windscreens; Hi Tech cameras; Machine parts to Africa; Giftware to
major retailers; Used Vegetable Oil; Pizza boxes; Garden games and
capital goods.
CORE CRITERIA FOR TRADE FINANCE
PARTNERS (“Red Apple Partners Finance
Limited”)
Red Apple Partners Finance Limited is a provider of traditional
transactional trade finance. Red Apple Partners Finance Limited will
purchase finished goods on behalf of their clients, against confirmed
purchase orders from credit worthy end customers. Red Apple Partners
Finance Limited is not a Bank; it does not lend, it physically buys and
sells goods on behalf of its clients. Typically clients are medium sized
businesses that have confirmed purchase orders but are unable to fund
their supply chain. Red Apple Partners Finance Limited inserts
themselves into the supply chain between the client and their supplier.
Client:
Ideally established business with 2 years track record;
Can be domiciled in most countries;
Must be a Limited Company.
Product:
Ideally finished goods, we don’t take manufacturing risk;
Trading Margin (Gross Margin) of at least 15%;
At least 8 months shelf life (not perishable goods);
No onerous on-going support obligation by the client.
Transactions:
Maximum tenor of 90 days pre-shipment finance, 120 days post
shipment finance;
Minimum purchase quantity of £80,000 from any one supplier
over a 2 week period;
Confirmed orders from end buyers (no sale or return or call off
orders);
End buyers must be credit insurable by Red Apple Partners
Finance Limited insurer, or offering Letter of Credit or Bank
Guarantee from Investment Grade bank. Can be domiciled in most
countries;
One off transactions only considered if quantum is in excess of
£250k equivalent;
Maximum transaction size of £1m to any one end buyer, or £3m to
multiple end buyers. Larger trades considered on an exceptional
basis up to £25m;
All trades conducted on a disclosed basis to buyer and suppliers.
Costs and Security:
Cost varies on size and tenor of trade. Typical range is 2% to 3.5%
per 30 days for cash use and 2% per month pre-shipment Letters
of Credit and not in product;
Security may include Debenture, Personal Guarantees or
Warranties / Indemnities, or specific debt waivers from existing
lenders relating to transactions being financed. Cross guarantees
may be required for group structures or SPVs.
TYPICAL TRADE FINANCE TRANSACTION PROCESS
FLOW
Client:
Approaches Red Apple Partners Finance Limited to fund the
transaction.
Red Apple Partners Finance Limited approves funding and Issue
L/C or supplier undertaking to supplier.
Supplier
Red Apple Partners Finance Limited confirms to the
Supplier/Manufactures/sources goods and ship.
Supplier invoices Red Apple Partners Finance Limited for the
goods.
Red Apple Partners Finance Limited purchases the goods and
pays to the supplier.
Red Apple Partners Finance Limited
Invoices the client for the goods plus fee’s.
Sells goods to its customer’s proceeds assigned to Red Apple
Partners Finance Limited.
Pays to Red Apple Partners Finance Limited on due date.
Discharges its invoice to the client and pays profit to the client.
Do Not Hesitate to Contact Us. Are you interested?
Would you like to know more about the opportunities available for your
Company?
Your client advisor will be happy to help, or you can call us.
The contents of this brochure are for information purposes only. Services, products and prices may
change at any time without prior notice. Not all products mentioned are available in all jurisdictions.
Some services and products may be legally restricted for residents and citizens of certain countries