Export Finance Solutions for UK SMEs

We specialise in export finance and tailored funding solutions that empower UK SMEs to grow and thrive in international markets. Exporting goods or services can open up exciting new revenue streams, but it also presents unique financial challenges. That’s why we work with a network of trusted commercial lenders to deliver flexible, strategic finance structures designed to support cash flow, manage risk, and fund international expansion.

Whether you're new to exporting or scaling established overseas operations, our export finance solutions are designed to help you trade with confidence.

Our Export Finance Options

We offer a range of funding products to support exporters at every stage of the trade cycle:

📦 Stand-Alone Trade Finance

A flexible solution for one-off or ad-hoc international trade transactions. Stand alone trade finance provides the working capital required to complete a specific deal, including covering upfront supplier costs, shipping, and delivery.

Ideal for:

  • First-time exporters

  • Large, single overseas orders

  • Gap funding between supplier and buyer payments

🔁 Export Lines of Credit

Export lines of credit provide businesses with access to a lines of credit, giving them the freedom to draw funds as needed to meet ongoing working capital requirements tied to export activities.

Ideal for:

  • Businesses with frequent export transactions

  • Companies scaling up production to meet overseas demand

  • Managing payment cycles in international trade

🔄 Export Revolving Credit

A continuous, replenishing credit facility that automatically renews as repayments are made. Export revolving credit ensures that finance is always available for businesses managing regular export contracts.

Ideal for:

  • Businesses with recurring overseas orders

  • Exporters requiring reliable access to capital

  • Streamlining cash flow across trading cycles

🚀 Export Loans for SMEs

Structured business loans specifically designed to support export led growth, including entering new markets, investing in production capacity, and fulfilling large export contracts.

Ideal for:

  • Market expansion and international business development

  • Funding upfront costs before receiving international payments

  • Export marketing, logistics, or compliance support

Why Choose Tor Business Finance?

Export finance experts – Deep knowledge of international trade, with funding solutions aligned to the realities of exporting.
Flexible finance options – From one-off deals to ongoing credit, our solutions are tailored to your business model.
Trusted lender network – We work only with reputable, FCA-regulated lenders who understand export markets.
SME-focused approach – We support UK small and medium-sized businesses with practical, accessible funding.
End-to-end support – From application to funding, our team guides you through the process to ensure you secure the right deal.

Frequently Asked Questions

  • Export finance refers to a range of funding solutions that support businesses involved in international trade. It helps cover the costs of manufacturing, shipping, and delivering goods or services overseas before payment is received.

  • Not at all. Whilst tangible goods increase options, export finance can also support UK service providers such as consultants, tech companies, and creative agencies, working with clients overseas.

  • While some lenders prefer businesses with an export track record, we also support newer exporters and can help structure deals for first time trade transactions.

  • Yes. Some facilities can include hedging solutions or structured repayments to reduce exposure to foreign exchange fluctuations or late payments from international buyers.

  • Depending on the facility, funding can be arranged in as little as 5–10 working days. We work to ensure a fast and smooth process.

  • Some lenders may require security, such as invoices, inventory, or personal guarantees. However, unsecured options are also available depending on the deal structure.

  • Yes. Export finance can often sit alongside other funding arrangements such as invoice finance, asset based lending, or business loans, creating a tailored funding strategy.

Ready to Explore Export Finance?

Whether you're exporting goods, services, or managing complex international supply chains, TOR Business Finance is here to help. Our tailored export finance solutions are designed to support your global ambitions while maintaining a healthy cash flow.

Speak to our team today to explore the best funding option for your business.