Feed, fertiliser and fuel are due long before the processor pays. Invoice finance advances cash against your trade invoices so a slow harvest cycle never starves the business of working capital.
The specifics that make or break a facility in this sector.
Supermarkets and large processors are exactly the debtors lenders want on the book, yet they set the payment terms. Invoice finance turns those slow, reliable invoices into cash the same week you raise them.
Cashflow is lumpy around drilling, harvest and production peaks. A facility sized to your ledger scales up and down with the season instead of leaving you short at the worst possible moment.
Contract growing and forward sales create clear invoice schedules that fund well, though lenders will want to see the supply agreement and delivery evidence behind each invoice.
Many agri suppliers sell to just a few large buyers. A single processor over 40% of the ledger can trigger a concentration limit, though specialist lenders will price for it with the right contracts in place.
Move the slider to your typical invoice value to see what would hit your account and what it would cost.
We benchmark your facility across a panel of specialist invoice finance and revolving credit lenders, and match you with the ones whose appetite fits agriculture & farming. You get whole-of-market access from one conversation, at no cost to you.
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No. Invoice finance advances cash against business to business trade invoices raised to processors, packers, merchants and other commercial buyers. Direct to consumer farm shop and market sales are not eligible because there is no trade invoice on credit terms to fund.
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