Financial services

Maintain a sustainable future for your company

We discount invoices issued on credit for immediate liquidity.

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Commitment

Your business longevity
is our top priority

We assume control of your entire sales ledger and will offer a financing confidentially and without the knowledge of your Debtors.

We have partnered with leading global credit insurance companies to provide protection in the event a customer becomes insolvent or fails to pay the outstanding amount according to the terms agreed with you

We collect your trade receivables and provide debtor management services. We evaluate credit risk and offer credit insurance against risk of default.

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Invoices discounted

  • Invoice Discounting
  • Domestic Factoring
  • Credit Insurance
Invoice Discounting

Confidential Invoice
Discounting

We offer confidential invoice discounting of your entire ledger. This means you secure financing from etfl on all your receivables, but your customers are not aware of the arrangement.

  • No Collateral
  • Fast & Flexible
  • Competitive Costs
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Domestic Factoring

Concentrate on your business and let us manage your entire ledger

Have immediate access up to 90% of the funds your customers owe you with the added advantage of benefiting from our expertise in credit management and debt collection.

  • Identify strengths and weaknesses
  • Optimize operational efficiency
  • Increase revenue streams
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Credit Insurance

Minimise your risk
with our services

We have partnered with leading global credit insurance companies to provide your company the appropriate protection.

  • Flexible insurance coverage
  • Minimize risks
  • Expand growth
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International Services

Transform your business with our International services

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Import Finance

Etfl provides funding for the goods or services being imported after the goods are cleared from customs and after the Importer accepts the invoice to ease the pressure of payment and keep your cash flow positive.
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Export Finance

In the past, exporters would demand payment from their overseas customers through confirmed Letter of Credit (L/C) or bank guarantee, but nowadays, as part of efforts to reduce expenses and bank charges, many prefer to receive partial payment in advance.
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Deferred Letters of Credit (L/C) Financing

Etfl discounts receivable L/C after the documents are accepted by the Issuing bank, and extends immediate financing to the Exporter against the assignment of proceeds of L/Cs.
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Trade finance signifies financing for trade of goods and services, and it concerns both domestic and international trade transactions.

Invoice discounting is the financing of an invoice which is due at a future date. You sell your outstanding invoice to etfl, and we pay you up to 90% of the total invoice value in advance. After we receive full payment of the invoice from your debtor, we shall transfer the remaining balance to you, less our fees, which are of course agreed in advance.

Etfl offers its alternative funding solutions to businesses based on ability to repay, debtor quality and diversification, financial strength and future prospects. The only collateral we take is the invoice that has been assigned to us.

In general we prefer to transact with businesses that are profitable, but the issue of profitability will depend on the facility you are seeking. For international trade or when invoices are credit insured, there is no such requirement.

An operating legal entity which is engaged in the selling of products or services and issues credit invoices that have been accepted by its debtors is eligible for invoice financing. In general, we accept all legal entities operating in the EEA and involved in most areas of economic activity that are not on EU/UN sanctions list.

The following sectors are considered as high risk:

  • Weapon manufacturers;
  • Art and antique dealers;
  • Unregulated charities;
  • Unregulated “non-for-profit” organisations;
  • Electronic gambling /gaming through the internet;
  • Dealers in high value or precious goods;
  • Remittance houses;
  • Exchange houses;
  • Betting;
  • Gambling related;
  • Bank note traders;
  • Cash intensive business;
  • Adult industry

There is no minimum. Etfl specializes in serving the Small and Medium Sized Enterprises (SMEs).

We serve legal entities established in all countries and enterprises that are not under the EU’s Sanctions List.

There is no restriction on the location of Debtors, but we may decline Debtors who are not credit-worthy irrespective of where they are based.

We offer our alternative funding services to companies that have a satisfactory spread of customers and avoid dealing with companies with high concentration of risk.

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