Get a limit
Apply online in minutes and get a credit decision within 24 hours. Having a limit costs nothing; you only pay for what you finance.
Working capital solutions for product businesses
Working capital finance for product businesses
Cash flow finance that pays your suppliers now, or advances your customer invoices, so your cash isn't stuck in stock. Repay in 1–5 months with one flat fee you see upfront.
From 1.3% per month · Credit decision in 24 hours · For businesses with £200,000+ revenue · 1,500+ businesses funded
Trusted by 1,500+ growing businesses
Your cash is tied up in stock and unpaid invoices
Working capital finance is short-term funding that covers the gap between paying for stock and getting paid by your customers. For product businesses, that gap is where growth stalls.
You pay suppliers before goods arrive, hold stock for weeks, then wait 30 to 60 days or more for customers to pay. Seasonal peaks make the gap bigger, and a large order you can't fund upfront is an order you turn down.
Bank loans and overdrafts weren't built for this cycle. Treyd's working capital solutions are: you finance the specific supplier and customer invoices that create the gap, and nothing else.
What product businesses use it for
Retailers, ecommerce brands, wholesalers and importers
Seasonal stock build
Retailers and e-commerce and DTC brands buy Q4 and summer stock months ahead. Finance it now and repay after the season sells through.
Bigger supplier orders
Wholesalers and importers place bigger orders and get better unit prices without draining cash. Treyd pays the supplier upfront.
Bridging customer terms
Wholesalers selling to retailers on 30 to 60 day terms advance up to 90% of the invoice instead of waiting to be paid.
How Treyd works
One limit for supplier invoices and customer invoices.
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Pay suppliers now
Upload a supplier invoice and we pay your supplier directly. Deposit, proforma and final invoices all work.
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Or advance your invoices
Upload a customer invoice and get up to 90% of its value paid out in advance.
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Repay in 1–5 months
Repay each invoice in one payment after 1 to 5 months, or earlier. Your limit refills as you repay.
Treyd vs. a bank loan or overdraft
Plus revenue-based finance, on speed, security and cost
Bank loan
Weeks to approve. Usually secured on assets, often with a personal guarantee. Interest plus arrangement fees, repaid monthly over a fixed term whether you need the cash or not.
Overdraft
Takes time to arrange and is reviewed every year. Often secured. Interest on the balance plus arrangement or renewal fees, and usually repayable on demand.
Revenue-based finance
Days to approve, usually unsecured. A fixed fee repaid as a share of your daily sales, so repayments rise and fall with revenue. One lump sum at a time.
Treyd
Credit decision within 24 hours. Your stock isn't the security. One flat fee per invoice, 1.3–2.4% a month, shown upfront. Use it invoice by invoice; your limit refills.
Who Treyd's working capital is for
Product businesses with a year of trading behind them
You sell physical products
Retailers, e-commerce and DTC brands, wholesalers and importers selling goods or raw materials.
You've traded for a year or more
A limited company with at least one year of trading. No sole traders.
You turn over £200,000+
Annual revenue of £200,000 or more. Your limit is reviewed as you grow.
Not the right fit if…
You sell services rather than goods, need a long-term loan for property or equipment, or want more than five months to repay.
What it costs
One flat fee per financed invoice, based on the amount and how long you take to repay. UK fees range from 1.3% to 2.4% per month. No setup fee, no account fee and nothing to pay for a limit you don't use. Example at a monthly rate of 1.6%:
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Company X, a UK homeware retailer, has a £100,000 limit at a monthly rate of 1.6%.
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They use Treyd to pay a £40,000 supplier invoice for their Q4 stock and repay after 3 months.
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The total fee is £1,920 (1.6% of £40,000 × 3 months). They repay £41,920 in one payment.
“Cash flow is always the constraint – our growth is shaped by how fast we can fund and turn around inventory, the demand is not the issue.”
– Ville Rönkkö, Managing Partner, Nordic Beauty Inc.
Working capital finance questions
What UK businesses ask before applying.
Is Treyd's working capital finance a loan?
It's a revolving credit limit, not a term loan. Treyd pays your supplier invoices or advances your customer invoices, and you repay each one in a single payment after 1 to 5 months. There's no monthly instalment schedule, and your limit refills as you repay.
Do I need to give a personal guarantee?
Not as standard. Any security, including a personal guarantee, is decided case by case in the credit assessment, and you'll know before you sign anything. We don't take your stock as security.
How fast can I get funded?
Apply online in minutes and get a credit decision within 24 hours of a complete application. Once you have a limit, you choose which invoices to finance in the Treyd platform.
Can I use working capital finance for seasonal stock?
Yes. Finance the supplier invoices for your pre-season stock now and repay up to five months later, after the season's sales come in. You only pay for the invoices you finance.
How is Treyd different from an overdraft?
An overdraft is a bank facility you draw on as needed, usually with interest on the balance, arrangement or renewal fees, and often security. Treyd works invoice by invoice: each financed invoice has one flat fee, shown upfront, and a set repayment date. You pay nothing when you're not using your limit.
What can I finance with Treyd?
Supplier invoices for stock and raw materials, warehouse and shipping costs, and digital marketing. You can also advance up to 90% of your customer invoices.
What customers say
Trustpilot 4.8
- Tom
GB Jun 15These guys are just awesome
We’ve been working with Treyd now for close to two years and with their support and innovative financial products have been able to accelerate our growth plans, with access to higher stock inventories to power this growth. They are now considered as a built-in member of our team contributing greatly to our development and strategic direction.
- Tew GB Mar 30
Super quick and efficient service
Super quick and efficient service. No problem too big. Customer service handled with happiness and it has been an absolute pleasure dealing with this company. Highly recommend.
- Carlo SE Nov 20
Easy and smooth process all the way
Easy and smooth process all the way, team always available and reactive. Great for e-commerce companies facing liquidity squeeze due to big Q4 inventory purchases.
Fund your next order with Treyd
Tell us about your business and what you'd like to finance. We'll come back with a limit within 24 hours, and you'll see the exact fee before you finance anything.
Prefer to talk first?
Our team can walk you through your first order.
Contact us
Treyd AB is a regulated payment institution with Sweden's financial supervisory authority (Finansinspektionen), identification number 57683. Org. no. 559223-3208. Treyd AB, Vasagatan 10, 111 20 Stockholm, Sweden. UK office: Treyd Ltd, Cannon Green, 27 Bush Lane, London EC4R 0AA. All fees are shown above and on our pricing page. Read our reviews on Trustpilot.