Day 0
Pay a 50% deposit
Your supplier wants half upfront before production starts.
About Treyd
Working capital built for product businesses
Treyd is a Swedish fintech, founded in Stockholm in 2020, that helps product businesses pay suppliers upfront and get paid faster on customer invoices. More than 1,500 brands, wholesalers and manufacturers across the UK, Ireland and the Nordics use the Treyd platform to buy stock before they’ve sold it.
Founded: 2020, Stockholm
Markets: UK, Ireland, Sweden, Denmark, Norway, Finland
Team: 50+ people
Regulated by: Finansinspektionen, Sweden
Why Treyd exists
Growing businesses need better access to working capital
Small and medium-sized businesses drive a big share of the UK’s economic growth, but the finance available to them isn’t always built for how they actually work. For product businesses, the gap is especially clear: you usually pay long before you get paid.
A supplier may want a deposit before production starts. Then the goods are made, shipped and sold — and your customer might take 60 days to pay. It can be five months between money leaving your account and coming back. The faster you grow, the more cash gets tied up along the way.
Most businesses fill that gap with their own cash, supplier credit or traditional bank finance. Peter Beckman and Sameh El-Ansary started Treyd in 2020 to give growing product businesses a better way to access working capital — flexible, invoice by invoice, and built around how the business actually runs.
So you can act when the right opportunity comes along, not just when there’s cash in the bank.
Example: a £100,000 production order
Why a growing order can tie up cash for five months
- 1
- 2
~60 days
Production
The goods are being made. Your cash is already spent.
- 3
~30 days
Shipping
The stock is on its way, but you can’t sell it yet.
- 4
~60 days
Customer terms
A retailer buys, then pays on 60-day terms.
- 5
~150 days
Cash comes back
Around five months between paying for stock and getting paid.
One Treyd limit, two ways to use it
You choose which invoices to finance, and when.
Pay suppliers upfront
Upload a supplier invoice and we pay your supplier directly, in their currency. You get more time to pay us back, so the stock can arrive and start selling.
Get paid faster
Get an advance on eligible customer invoices instead of waiting out 30, 60 or 90-day terms. You pick the invoices, and your customer isn’t notified.
Repay, reuse, repeat
Each invoice is a flat fee you see before you confirm. Your limit frees up as you repay, and it’s set from live bookkeeping data, so it can grow with you.
Treyd in numbers
Figures as of October 2026, all six markets combined.
1,500+
product businesses financed
£500m+
financed across supplier and customer invoices
6
markets: UK, Ireland and the Nordics
50+
people in Stockholm, London and Cairo
4.8/5
on Trustpilot, from 146 reviews
What Treyd isn’t
People often mistake us for one of these. The differences matter when you’re choosing — and for some needs, something else fits better.
-
Not a lump-sum loan
No money lands in your account to sit there. We pay your supplier, or advance a specific customer invoice, and each one is repaid on its own.
-
Not factoring
You choose individual invoices. We don’t take over your sales ledger or chase your customers.
-
Not traditional trade finance
No letters of credit or bank documentation. It runs in the Treyd platform, connected to your accounting software.
-
When a bank loan fits better
For equipment, premises or long-term investment, a bank loan is usually the better tool. Treyd is built for the timing gap around stock and invoices.
Who we work with
Businesses that buy before they sell
Wholesalers and distributors importing goods, packaging and freight, and bridging supplier prepayments to take on bigger orders.
Retail and DTC brands funding seasonal buys, launches and campaign peaks without draining cash the rest of the business needs.
Manufacturers paying for stock, parts and inputs on the production schedule, not the payment schedule.
Common categories: apparel and footwear, beauty and wellbeing, food and drink, consumer goods and industrial products.
Is Treyd right for you?
Usually a good fit if you
Have traded for at least a year
Turn over £200K+ a year (UK)
Buy and sell physical goods
Are a limited company
Probably not the right fit if you
Are a sole trader
Sell services only
Need funding for equipment, property or long-term investment
Swole Panda
"Working with Treyd doesn’t feel like submitting requests into a void and waiting to see what a system decides. There are real people involved, and a genuine sense that the team understands the business."
– James Slacke, co-founder, Swole Panda
Trusted by 1,500+ product businesses
The people behind Treyd
Built to be easy. Backed by people.
Every customer gets a named account manager — one person who knows your business, your suppliers and your seasons. Behind them is a credit team that makes decisions on current data, with human judgment on top.
We’re 50+ people across Stockholm, London and Cairo, backed by Nineyards Equity, Zenith VC, J12 and Antler.
Meet the founders
Peter Beckman
Peter Beckman went from long-range reconnaissance in the military to a PhD at the University of St. Gallen, then advised on geopolitical risk while building companies on the side. He met Sameh through Antler and co-founded Treyd in 2020, after business after business told him their real problem was paying suppliers upfront.
Co-founder and CEO
Sameh El-Ansary
Sameh El-Ansary holds a PhD in computer science from KTH in Stockholm. He co-founded Hive Streaming, a peer-to-peer live video company that exited in 2012, and Racefox, which used real-time AI in sports. At Treyd, he leads the platform and the credit models behind every Treyd limit.
Co-founder and CTO
Our story so far
From Stockholm to six markets
2020
Founded in Stockholm
Peter Beckman and Sameh El-Ansary start Treyd to fund the gap between paying suppliers and getting paid.
2022
£7.5 million Series A
The same year, we launched in the UK — now our largest market.
2023
500 customers
We reached 500 customers, launched in Ireland and raised a £9 million Series A extension.
2024
10,000 orders financed
Ten thousand supplier orders and customer invoices financed.
2025
£300 million financed
£300 million of purchases financed across all our markets.
2026
1,500 customers
More than 1,500 product businesses, and £500 million financed across all our markets.
Where to find us
Headquartered in Stockholm, with teams in London and Cairo
Treyd AB
Vasagatan 10
111 20 Stockholm
Sweden
Treyd Ltd
Cannon Green
27 Bush Lane
London EC4R 0AA
United Kingdom
The Polygon Building 3, Sodic-Westown, Sheikh Zayed
Cairo 12588
Egypt
Questions people ask about Treyd
Quick answers about who we are and how we work.
What does Treyd do?
Treyd provides working capital for product businesses. It pays supplier invoices upfront so businesses can buy stock before they’ve sold it, and advances payment on customer invoices so they aren’t waiting 30 to 90 days to get paid.
Who founded Treyd?
Treyd was founded in Stockholm in 2020 by Peter Beckman, who is CEO, and Sameh El-Ansary who is CTO.
Where is Treyd based, and which countries does it serve?
Treyd is headquartered in Stockholm, with offices in London and Cairo. It serves businesses in the UK, Ireland, Sweden, Denmark, Norway and Finland.
Is Treyd regulated?
Yes. Treyd AB is a payment institution authorized and supervised by Finansinspektionen, the Swedish Financial Supervisory Authority (institution no. 57683).
Is Treyd a loan?
Treyd is a lender, but it doesn’t work like a business loan. Instead of a lump sum paid into your account, Treyd pays your supplier directly or advances a specific customer invoice, and you repay each one separately. You choose which invoices to finance.
Does Treyd ask for a personal guarantee?
Yes, usually from a company director. We’ll explain exactly what it covers before you sign anything.
How quickly can Treyd pay a supplier?
Suppliers are paid within 24 hours of approval.
Get funded
Tell us a little about your business and we’ll be in touch.