Heavy industrial exports being loaded onto an ocean vessel

Convert Long-Term ReceivablesInto Immediate Liquidity.

Monetise eligible deferred payment obligations arising from international trade — focus on future opportunities, not outstanding collections.

Discuss your requirements How it works

Forfaiting

BEST FOR:

Higher-value or longer-tenor transactions where deferred payment terms form part of the commercial agreement.

Monetising Deferred Payment Receivables

International trade involving capital goods, commodities and project exports frequently requires exporters to extend deferred payment terms to overseas buyers. While these arrangements support commercial growth, they may also delay the conversion of receivables into working capital.

SPEC Finance’s Forfaiting solutions enable exporters to monetise eligible deferred payment obligations, improving liquidity while allowing businesses to focus on future opportunities rather than outstanding collections.

By converting future receivables into immediate liquidity, businesses can improve cash flow, strengthen balance sheet flexibility and reinvest capital into new trading opportunities.

KEY BENEFITS

What Forfaiting delivers

Immediate access to liquidity

Sell deferred payment obligations and receive cash without recourse.

Improved working capital efficiency

Remove long-dated receivables from your balance sheet entirely.

Monetisation of deferred payment obligations

Convert promissory notes and accepted bills into upfront value.

Support for capital goods and commodity exports

Finance big-ticket exports carrying extended credit periods.

Flexible transaction structuring

Structures shaped around tenor, geography and instrument.

Cross-border transaction expertise

Documentation and risk handled by a team fluent in international trade.

How It Works

Each transaction is structured individually following commercial, legal and credit assessment.

A commercial contract incorporates deferred payment terms.

Goods are supplied in accordance with the contract.

A qualifying payment obligation is issued or accepted.

SPEC Finance evaluates the transaction.

Eligible receivables are purchased at an agreed discount.

The exporter receives immediate funding.

Payment is received from the obligor per the documentation.

Suitable customers

Customers

Capital equipment exportersEngineering companiesCommodity exportersIndustrial manufacturersInfrastructure suppliersMining equipment suppliersRenewable energy equipment manufacturers

Transactions involving deferred payment arrangements, particularly those relating to capital goods, industrial equipment and commodity exports.

Eligibility is determined following commercial, legal and credit assessment.

Also exploreTrade Finance Export Factoring Reverse Factoring Supply Chain Finance Bill Discounting

Find Your Ideal Solution

For further information or to speak to a member of our team.