Supply Chain Finance
Stop tying up working capital in inventory. We pay your factory. You pay us 60+ days later.
After credit approval, MFE Sourcing provides OA 60+ day payment terms — giving you time to receive, inspect, and sell goods before settlement.
Financing designed for importers
Traditional trade finance is built for banks, not buyers. Our facility is designed specifically for
businesses sourcing physical goods from Asia.
OA 60+ Day Terms
Open account payment terms of 60 days or more, giving you time to receive, inspect, and sell goods before payment is due.
Credit-Based Approval
Financing decisions based on your business credit profile, not personal guarantees or collateral requirements.
Order-by-Order Flexibility
Use financing when you need it. No minimum volumes, no long-term commitments, no idle facility fees.
Built-in Risk Protection
Every financed order includes pre-shipment inspection and cargo insurance as standard — protecting both sides.
From application to payment in five steps
The process is straightforward. Once your facility is established, every order follows the same simple workflow.
Credit Application
Submit your business financials and trade history. We conduct a thorough credit assessment, typically completed within 48 hours.
Facility Setup
Once approved, we establish your financing facility with agreed terms, limits, and documentation. No upfront costs.
Place Your Order
Source through MFE as normal. When you are ready to commit, we pay the factory on your behalf under the agreed terms.
Ship & Inspect
Goods are produced, inspected, and shipped. MFE manages QC and logistics coordination throughout.
Pay on Your Schedule
You settle with MFE 60+ days after shipment, giving you time to receive, sell, and generate revenue from the goods.
How we compare to traditional sourcing
| Feature | Traditional Sourcing | MFE Supply Chain Finance |
|---|---|---|
|
Payment Terms |
TT in advance or 30 days |
✓ 60–90 days OA after shipment |
|
Credit Assessment |
Personal guarantees required |
✓ Business credit-based only |
|
QC & Inspection |
Extra cost, separate vendor |
✓ Included in every order |
|
Cargo Insurance |
Buyer responsibility |
✓ Included as standard |
|
Factory Payment Risk |
Buyer bears full risk |
✓ MFE manages factory relationship |
|
Minimum Order |
Often required |
✓ No minimums |
Built for buyers who need cash flow flexibility
Growing importers
You have the orders but need breathing room between paying suppliers and receiving customer payments.
Seasonal businesses
Cash flow peaks and valleys are normal. Finance lets you stock up for high season without draining working capital.
Buyers transitioning suppliers
New factory relationships often require different payment terms. Our facility smooths the transition.
Product launchers
Launching a new SKU means upfront inventory investment. 60+ day terms let you test the market before full commitment.
Common questions about supply chain finance
OA stands for “Open Account.” It means you receive goods and have 60 or more days to pay. Unlike letters of credit or advance payment, you get time to inspect, sell, and generate revenue from the goods before settling the invoice.
We assess your business financials, trade history, and banking references. The process is based on your company creditworthiness, not personal assets or guarantees. Most applications receive a decision within 48 hours.
No. You can use the facility for a single carton or a full container. The service is designed to flex with your actual sourcing needs, not force you into artificial minimums.
Every financed order includes pre-shipment inspection. If goods fail inspection, we do not release payment to the factory until issues are resolved. This protects both your investment and our exposure.
No. There are no setup fees, annual fees, or idle facility charges. You only pay when you actually use the financing for an order.
Financing is available for orders placed through MFE Sourcing. We need to manage the factory relationship, QC, and shipment to underwrite the risk properly. It cannot be used for direct factory relationships outside our management.
Services that work with financing
Product Inspection
Pre-shipment QC is included in every financed order. Additional inspection services available.
Container Consolidation
Combine multiple supplier orders into single shipments — reduces freight cost and simplifies logistics.
Cost Reduction
Optimize your landed cost through better supplier terms, logistics, and financing structures.