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Home Business Finance Supply Chain Finance

Supply Chain Finance

Supply Chain Finance pays your supplier upfront on your behalf, allowing you to spread repayments over agreed payment terms while supporting supplier relationships and protecting your cash flow.

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Tailored Broker Support

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Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Improve cash flow without disrupting supplier relationships
  • Suppliers get paid early, you pay later on agreed terms
  • Negotiate better supplier terms or secure bulk discounts by paying suppliers upfront
  • Supports growth without traditional borrowing pressure

How Does Supply Chain Finance Work?

Let’s look at a breakdown of how Supply Chain Finance works step by step

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Upload Invoice

You upload the invoice due to your supplier and select a repayment term that suits your cash flow.

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Lender Pays Supplier

The lender pays your supplier 100% of the invoice value upfront, ensuring they receive funds quickly and in full.

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Repayment

You repay the funds over the pre-agreed repayment term in manageable monthly instalments.

Is Supply Chain Finance Right for You?

Supplier finance can be an effective way to improve working capital while supporting your supply chain. It’s particularly useful for established businesses with regular supplier invoices and strong trading relationships. By unlocking cash flow without disrupting operations, you can focus on growth, stock purchasing and managing seasonal demand.

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This product might be right for you if...

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You want to extend payment terms without harming suppliers

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You have regular, high-volume supplier invoices

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You need to protect cash flow during growth

This product might not be right for you if...

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You have very low monthly supplier spend

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Your supplier relationships are short-term or irregular

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You need unsecured funding not tied to invoices

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

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Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Finance Specialists to help us better understand your goals.

  • 2

    Receive a Solution

    Choose a bespoke funding solution proposed by our team and send over the required documents for our lenders.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as soon as possible.

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What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Read Our FAQs

Still have questions about Supply Chain Finance? We may have the answer within our FAQs.

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Why Use Charles & Dean?

Why should you choose us to help with Supply Chain Finance

Why Us 1

Bespoke Solutions

Every business is different. We structure funding around your trading cycle, supplier terms and growth plans to ensure the facility works for you.

Why Us 2

Ongoing Support

From initial enquiry through to drawdown and beyond, our team provides clear guidance and regular reviews to make sure your facility continues to support your business.

Why Us 3

Specialist Expertise

As an independent broker, we compare a wide panel of UK lenders to find competitive supplier finance solutions tailored to your business needs and cash flow profile.

Our FAQs

Common questions about Supply Chain Finance answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

What is the difference between supply chain finance and invoice finance?

Supplier finance focuses on paying your suppliers early, whereas invoice finance helps you unlock cash from your customer invoices. Both improve cash flow, but from opposite sides of the ledger.

Will my suppliers know I’m using supply chain finance?

Yes, suppliers are typically aware as they receive early payment from the finance provider. It is often positioned as a benefit, helping strengthen your relationship.

How much can I access with supply chain finance?

Funding limits depend on your turnover, credit profile and supplier volumes. Facilities can range from modest limits to multi-million-pound programmes.

Does supply chain finance affect my balance sheet?

The treatment depends on the structure of the facility and your accounting practices. Your accountant can advise on how it will be recorded in your financial statements.

How quickly can supply chain finance be arranged?

Timescales vary, but many facilities can be arranged within a few weeks, subject to due diligence and agreement between all parties.

How much can a supplier receive through supply chain finance?

Suppliers can typically access up to 100% of the approved invoice value, less an agreed fee. The exact advance rate will depend on the buyer’s credit strength and the structure of the facility.

Are there limits on the terms of a supply chain finance arrangement?

Yes. The funding period usually mirrors the agreed payment terms between the supplier and buyer, commonly 30, 60, 90 or 120 days, with the facility running until the invoice reaches its due date.

Can supply chain finance support my wider funding profile?

While it doesn’t directly impact your credit score, supply chain finance can help strengthen cash flow consistency and working capital management. This can place your business in a stronger position when seeking additional funding in the future.

What happens if the buyer fails to pay?

Supply chain finance facilities are typically structured around the buyer’s creditworthiness. In the event of non-payment, the terms of the agreement will determine how the situation is handled. It’s important to understand the structure of the facility and any risk protections in place before proceeding.