Flexible cross-border finance solutions designed to support UK businesses with links to the US—bridging currency gaps, smoothing international cash flow, and enabling global growth.
Built for UK businesses with US customers, this solution unlocks working capital from cross-border operations—bridging payment delays, reducing currency risk, and keeping cash flow steady.
Finance overseas operations and expansion confidently, without straining domestic resources or relying on traditional loans.
Access funding tied up in cross-border transactions to maintain steady cash flow while trading in the US.
Mitigate delays and fluctuations in exchange rates by securing predictable, timely funding against US receivables.
Ideal for UK companies transacting US customers, cross-border finance unlocks funding from international receivables—ensuring steady cash flow, reduced currency risk, and uninterrupted global operations.
Access funding that scales with your international operations and supports long-term global expansion.
Use the financing for international transactions, fulfilment, logistics, or reinvestment—whatever your cross-border business needs most.
Secure working capital for global trade without giving up equity or compromising financial independence.
Unlock funding tied up in US-based receivables—keeping cash flow steady even with extended international payment terms.
Avoid delays caused by international banking systems and get quick, reliable funding when you need it.
Protect against exchange rate volatility and cross-border payment delays—ensuring stable cash flow across markets.
OVERVIEW
A UK-based technology distributor secured a series of high-value contracts in the US. To capitalise on this growth opportunity, the business needed funding to establish a regional sales office and fulfil orders across the Atlantic.
CHALLENGE
Despite strong demand, the company faced extended payment cycles from US customers. Cross-border banking delays added further strain, creating liquidity pressures at a critical stage of expansion. While a UK facility supported domestic trading, it could not be extended to cover US receivables, leaving the business without a suitable route to unlock working capital overseas.
SOLUTION
Working in partnership with its US parent company, eCapital structured a cross-border facility secured against the client’s US invoices. This solution bridged the UK and US operations, providing immediate access to funds generated overseas. The financing enabled the business to:
With this facility in place, the company was able to expand confidently in the US market while continuing to strengthen its UK presence.
OVERVIEW
A fast-growing fragrance brand with headquarters in the UK and operations in the US needed additional working capital to manage seasonal demand and accelerate international distribution.
CHALLENGE
Despite strong performance and above-forecast revenues, the brand had outgrown the capacity of its existing UK facility. With a significant portion of receivables tied up in US customers, they struggled to access funding that could bridge both markets. Traditional bank lending failed to accommodate the complexities of cross-border operations, creating a gap in liquidity at a critical stage of expansion.
SOLUTION
The fragrance brand partnered with eCapital to unlock a tailored cross-border finance facility, secured against US-based receivables and supported by international assets. This solution gave the business seamless access to funding across its UK and US entities, enabling them to:
With this support in place, the brand gained the flexibility to sustain operations today while accelerating its long-term global growth.
OVERVIEW
A UK-based biotech company was preparing to launch a breakthrough product line and needed significant investment in research and development. With a subsidiary already operating in the US, the business required flexible funding to cover R&D costs and accelerate trials across both markets.
CHALLENGE
The company’s UK facility supported domestic operations but couldn’t extend to US-based R&D. Payment delays from US clients and cross-border banking timelines created liquidity strain, threatening to slow down critical trials and delay product launch. Traditional lenders were unable to recognise the value of US receivables or intangible R&D assets.
SOLUTION
eCapital group structured a cross-border finance facility secured against the company’s US invoices and supported by international assets. This solution provided working capital across both entities, allowing the business to maintain its R&D pipeline, fund projects in the US without disruption, and move forward with its innovation strategy at pace.
OVERVIEW
A UK-based electronics importer was expanding rapidly into the US market, securing large orders from major retailers. To keep pace with demand, the business required additional working capital to purchase inventory and manage logistics across both regions.
CHALLENGE
The company faced a credit squeeze as its existing bank reduced available facilities due to tightening lending criteria. With a significant portion of receivables tied up in US customers, the business struggled to secure funding that could bridge both markets. This created cash flow pressure at a crucial stage of fulfilling international contracts.
SOLUTION
eCapital provided a cross-border finance facility secured against US receivables, aligned with its company’s existing UK facility. This gave the business immediate access to working capital, enabling it to meet retailer orders on time, stabilise liquidity despite restricted bank lending, and continue scaling operations across the UK and US.
Clients choose eCapital when they need an engaged, solutions-oriented, long-term funding partner with proven capacity, creativity, and continuity. Our expertise lies in bespoke funding — from small and mid-market facilities to large, complex solutions — delivered with meticulous, hands-on strategies that adapt to meet the unique needs of UK businesses.
Our regional experts are agile and client-focused, supported by the resources to handle complex challenges. We’re a reliable funding partner through every business cycle — flexible, patient, and proven. Our track record speaks for itself.
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Cross-border finance is a specialist funding solution that helps UK businesses trading—or looking to trade—with the US or Canada manage the cash flow challenges of international transactions. Instead of waiting weeks or months for overseas customers to pay, companies can unlock immediate working capital secured against US receivables.
When an invoice is issued to a credit-approved customer, eCapital advances most of the value upfront. Once the customer pays on their usual terms, the balance is released minus an agreed fee. This gives businesses predictable cash flow, reduces the risks of currency fluctuations and overseas payment delays, and supports smoother international growth.
Trading internationally is rewarding but creates financial complexity. Payment terms in North America are often 60–90 days, while UK suppliers must cover costs such as raw materials, shipping, and customs duties upfront. This mismatch can create liquidity gaps that strain operations.
Cross-border finance bridges this gap by converting receivables into immediate cash. It also reduces the risks of late or missed payments, especially when paired with bad debt protection. For UK businesses relying heavily on US or Canadian buyers, or having a presence in these territories, this is crucial—one delayed payment can have ripple effects across payroll, suppliers, and growth projects.
Ultimately, cross-border finance provides certainty. It allows you to pursue export opportunities, expand client relationships, and invest in growth without the worry that international payment delays will destabilise your business.
International trade carries additional risks beyond domestic transactions—currency fluctuations, delayed payments, and even buyer insolvency. Cross-border finance mitigates these risks in several ways.
First, it ensures you get paid quickly, reducing exposure to extended terms. Second, when combined with bad debt protection, it shields you from customer insolvency in another jurisdiction. Finally, working with a finance partner like eCapital, which operates in both regions, provides expertise in credit checking, compliance, and local practices.
By securing both liquidity and protection, cross-border finance allows UK exporters and importers to expand with confidence.
Yes. While many UK businesses use cross-border finance to accelerate receivables from North American and Canadian customers, importers can also benefit. By freeing up cash tied in receivables, UK importers can cover costs such as duties, shipping, and supplier payments while waiting for domestic customers to pay.
The cost depends on invoice volume, customer credit quality, and how frequently you use the facility. Typically, it includes a service fee plus a discount rate applied to the funds advanced.
While there is a cost, the value lies in the opportunities it unlocks. Being able to ship larger orders, maintain supplier confidence, or enter new markets often outweighs the service fees. Additionally, protecting against the financial impact of non-payment abroad can save businesses from devastating losses.
eCapital ensures transparent pricing with no hidden charges, so you can make informed decisions about when and how to use the facility.
Yes, it can be structured confidentially. With invoice discounting-style arrangements, customers in the US or Canada continue paying you directly, unaware of the finance facility. This protects client relationships and ensures your business image remains unchanged.
For companies that prefer more hands-on support, disclosed facilities with factoring options are also available. The flexibility to choose between confidential and disclosed arrangements is part of what makes eCapital’s solution adaptable to diverse business needs.
eCapital is uniquely positioned to support cross-border trade between these regions. With established operations in the UK, US, and Canada, eCapital understands the legal, financial, and cultural nuances of each market. This allows for faster approvals, better risk assessments, and smoother funding.
Benefits of choosing eCapital include:
For UK businesses navigating transatlantic trade, eCapital provides more than funding—it provides a partner that understands the complexities of cross-border growth and ensures you remain financially strong while pursuing new opportunities.
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