Getting an injection of cash from investors might be a great proposition for your business – but with equity comes dilution. If you want to keep full ownership of your business, Treyd can be a simple way to get what you need, with a lot less compromise.

Not everyone has personal funds available for this to be an option – but even if it is, beware that this carries a lot of risk and uncertainty. With Treyd, you can get the boost you need to grow your business without tapping into your personal finances (or potentially even savings or emergency funds).

Compare financing based on how your business actually runs

Q: Revenue-based financing

RBF is a great way to get growth capital without dilution, but the repayment terms can be quite aggressive, and with relatively high interest rates. With Treyd, prices are more transparent – and you can choose when you want to repay. We charge a flat fee on top of each financed invoice, which is clearly provided before you make an order.

Q: Traditional inventory financing

Traditional inventory financing helps you access credit by using some (or all) of your inventory as collateral. This comes with a lot of inventory inspections and controls. Treyd, on the other hand, finances your inventory without taking any security – so you get what you need with a lot less administrative hassle

See how banks, invoice finance, and credit lines stack up when cash is tied up in inventory, suppliers, and customer payment terms.

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Compare 5 financing options for your business

Traditional bank loans

Bank loans are a great option for larger, established businesses. But banks tend to be less favourable to smaller or growing companies. Approval processes also tend to be lengthy and slow – so you’ll likely have to wait some weeks before hearing back. With Treyd, growing businesses have a better chance of being approved – and you can often get an answer a lot more quickly. Please note you won’t get cash to spend as you wish though, as Treyd only covers your supplier invoices.

Illustration of bank building with a maze on the front wall

Revenue-based financing

Traditional inventory financing

Equity financing

Personal funds

How they compare, side by side

Every financing tool is built for a different problem. Here's an honest look at how the main options work — and where each one fits best.

	Treyd Payables + Receivables	Bank overdraft HSBC, Barclays, Lloyds	Invoice finance Bibby, Close Brothers	Revenue-based finance Wayflyer, Uncapped
What it finances	Supplier payments and customer invoices. Designed to bridge both sides of the cash cycle — what you owe and what you're owed.	General working capital. A flexible buffer for day-to-day cash needs. Not linked to specific transactions.	Outstanding customer invoices. Unlocks cash tied up in unpaid invoices. Receivables side only — doesn't help with supplier payments.	A lump sum advance. Cash upfront against predicted future revenue. Repaid automatically as revenue comes in.
Covers both sides of the cash gap	Yes — pay suppliers and collect from buyers.	No. Provides a drawdown buffer but doesn't distinguish between payables and receivables.	No — receivables only. Useful if your cash gap is on the collections side. Doesn't help fund supplier orders.	No — advance only. Repayment is linked to revenue flow, not to the supplier/buyer cycle.
Transaction-level flexibility	Finance individual invoices selectively. Choose which supplier payments to fund. No commitment to use the full limit.	Facility-level, not transaction-level. Flexible for general use, but no logic tied to specific invoices.	Partial — often whole-ledger. Some providers let you pick invoices; many require you to assign the full debtor book.	No — advance is revenue-linked. Works best when cash needs are general, not transaction-specific.
Speed to first funding	Hours once set up. Onboarding takes a few days. Once live, individual transactions fund the same day.	Weeks to months. Relationship-based underwriting, credit committees, and legal review add time.	Weeks. Full-ledger setup, legal documentation, and onboarding typically take 2–6 weeks before any cash moves.	Days to a week. Faster than banks. Revenue data-driven decisions speed up approval — though terms vary.
How your limit is calculated	Live bookkeeping and bank data. Underwriting reflects current trading performance, not accounts filed 12–18 months ago.	Filed accounts and banking history. Fast-growing businesses often find limits lag behind actual performance.	Debtor quality and filed accounts. Limit is driven by the strength of your customer book.	Revenue data. Fast to assess, but advance size and repayment are both tied to revenue trajectory.
Limit grows with your business	Yes — reviewed dynamically. As trading grows, the Treyd limit can increase without waiting for a formal review cycle.	Slow to increase. Increases typically require a formal application and credit review — often annual.	Tied to debtor book size. Useful for scaling collections, less so for payables.	Tied to revenue growth. Scales naturally with revenue, but advances are recalibrated periodically.
Works alongside other lenders	Yes — no ledger commitment required. Use Treyd in addition to your existing bank or credit facilities.	Generally yes. Some covenants may restrict additional borrowing.	Often no. Whole-ledger facilities require exclusive assignment of your debtor book.	Yes — no ledger requirement. Revenue-based lenders don't typically require ledger exclusivity.
Covers overseas supplier payments and FX	Yes — pays suppliers directly in their currency. Handles international transfers including import deposits.	Partial. You draw funds, then arrange the international transfer yourself. An extra step, but workable.	No. Invoice finance is receivables-focused and doesn't facilitate outbound supplier payments.	No. General cash advance — not structured around individual supplier payments or FX transactions.
Pricing model	Per-invoice fee with upfront cost preview. You see the cost before committing to each transaction. No surprises at month end.	Interest on drawn balance plus arrangement fee. Cost varies with how much you draw and for how long.	Discount rate on invoice value plus service fees. Pricing is layered — discount rate, service charge, and sometimes minimum volume commitments.	Factor rate on total advance. Easy to understand, but effective APR can be high for longer durations.
Best for	UK importers who need to pay overseas suppliers today and collect from buyers in 60–120 days — without tying up their cash or committing their entire debtor book.	Businesses with an established banking relationship that need a general-purpose cash buffer to smooth day-to-day operations.	Businesses with a large, consistent B2B debtor book that want to accelerate collections and improve receivables cash flow.	Businesses with strong, predictable revenue that need a fast injection of general-purpose working capital.

Cover marketing, freight, production and raw materials

You can use Treyd to cover your supplier invoices concerning freight, production (including raw materials) and marketing. If you’d like an indication of the credit limit we can offer your business, get in touch with our team. Applying for a Treyd limit is free of charge and comes without strings attached.

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