Trade Finance provides businesses with financial solutions to manage supplier payments, inventory purchases and receivables while maintaining healthy working capital.

Whether you are importing goods, financing stock or waiting for customers to settle invoices, Reliance Banking Services Consultancy helps identify suitable trade finance solutions to support your cash flow and business operations.

Import Finance / Loan Against Trust Receipt

Loan Against Trust Receipt provides short-term financing to help importers settle supplier or shipping obligations while allowing time to sell the goods and generate cash from the business.

Key Benefits

Improved Cash Flow
Bridges the gap between paying suppliers and receiving proceeds from the sale of imported goods.

Preserves Working Capital
Reduces the need to use existing cash reserves to clear shipments, keeping liquidity available for other operational requirements.

Business Continuity
Helps trading, retail and manufacturing businesses maintain a steady flow of inventory without disrupting operations.

Stronger Supplier Relationships
Timely settlement can strengthen supplier confidence and may support better commercial and credit terms over time.

Invoice Discounting

Invoice Discounting allows businesses to access funds against eligible unpaid sales invoices rather than waiting for customers to settle them.

It can be particularly useful for companies supplying established corporate customers on extended payment terms.

Key Benefits

Faster Access to Cash
Convert outstanding invoices into working capital without waiting for customer payment cycles of up to 120 days.

Supports Day-to-Day Operations
Use available funds for supplier payments, inventory, payroll and other business expenses.

No Traditional Property Collateral
The financing is primarily structured against eligible receivables, subject to the bank’s assessment.

Flexible Funding
The available facility can grow in line with eligible sales and receivables, subject to approved limits.

Cheque Discounting

Cheque Discounting helps businesses convert eligible post-dated customer cheques into immediate working capital before the cheque maturity date.

Instead of waiting several weeks or months for the cheque to become due, businesses may obtain an advance against the value of the cheque.

Key Benefits

Immediate Liquidity
Access funds against future-dated receivables to support supplier payments, salaries, rent and other operating expenses.

Short-Term Working Capital Support
Useful for businesses with regular post-dated cheque collections and temporary cash-flow gaps.

Receivable-Based Financing
The facility is generally assessed based on the underlying transaction, cheque issuer and overall credit profile rather than traditional property collateral.

Advance Against Cheque Value
Banks or finance providers may advance a percentage of the eligible cheque amount, subject to their internal policy and credit assessment.

Bank Guarantees

Bank Guarantees help businesses meet contractual and project requirements by providing financial assurance to customers, suppliers, government entities and project owners.

They are particularly useful for contractors, trading companies, suppliers and businesses involved in projects or tenders.

Common Types of Bank Guarantees

Advance Payment Guarantee
Provides assurance to the project owner when an advance payment is made to a contractor or supplier.

Performance Guarantee / Performance Bond
Provides assurance that contractual obligations will be performed according to agreed terms.

Tender / Bid Bond
Supports businesses participating in tenders where a financial guarantee is required as part of the bidding process.

Retention Guarantee
May be used in place of retained project payments, helping businesses improve cash flow while meeting contractual requirements.

Payment / Financial Guarantee
Provides assurance for specified payment or financial obligations.

Reliance assists clients with structuring suitable guarantee facilities and coordinating with banks on limits, cash margin, pricing, validity and other terms.

Basic Eligibility

• UAE-based company
• Minimum 2 years in business
• Minimum AED 5 Million annual turnover
• Satisfactory banking history
• Acceptable financial performance and credit profile

How Reliance Helps

We review your trade cycle, supplier payments, receivables and banking history to identify suitable trade finance structures.

Our team assists with facility structuring, documentation, bank coordination, application follow-up and negotiation of limits, pricing and terms through approval and utilization.