How This Irish Startup Used Trade Finance to Unlock Growth and Cash Flow

Cash flow is the lifeblood of any business — especially when you’re early-stage, growing fast, and need to hold stock to meet demand. But what if you could sell first and pay later?

That’s exactly what one of our recent clients — a young Irish business in the motorsports industry — achieved using a flexible trade finance facility we arranged through a leading non-bank provider.

The Challenge: Stocking Up Without Running Dry

Our client had just secured valuable contracts to sell motorcycles — a major opportunity to expand. They were already selling accessories online and at events, but stepping into bike sales required holding expensive stock, going to shows, and increasing visibility to new buyers.

Cash flow was tight. Bank finance wasn’t a fit. And tying up working capital in inventory would have slowed down everything from marketing to sales to hiring.

That’s where we came in.

The Solution: Buy Now, Pay Later for B2B

Through our lending partner’s innovative buy now, pay later solution for businesses, we helped them access trade finance — a facility that allows businesses to:

  • Pay suppliers upfront (on the client’s behalf)

  • Get goods in quickly

  • Repay the facility up to 120 days later

The result? Our client could now:

  • Hold motorcycles in stock to meet new demand

  • Attend shows with display models ready to go

  • Keep cash available for marketing, wages, and growth

All while avoiding the usual stress of large upfront supplier payments.

How Trade Finance Helps Irish Businesses Scale

This type of facility is ideal for growing businesses that import goods or need to purchase large volumes from suppliers, especially if:

  • You want to avoid cash flow dips caused by big stock orders

  • You’re tired of making small orders and paying too much per unit

  • You’d benefit from early payment discounts with your suppliers

  • You want to improve margins without chasing risky loans

With trade finance, you can often negotiate better pricing with suppliers while improving your own working capital position.

Flexible, Transparent, and Fast

There are no recurring fees or hidden costs — you simply pay a flat fee per invoice, and only when you use it.

Many of our clients find that supplier discounts and bulk savings outweigh the finance cost, leading to better margins and higher profitability overall.

Ready to Break Free from Cash Flow Constraints?

If your business needs to hold stock, manage long payment cycles, or stop tying up working capital in inventory — we can help.

At BusinessLoans.ie, we work with trusted partners to provide smart finance solutions that help Irish SMEs grow without unnecessary pressure.

Call the BusinessLoans.ie team on 01 55 636 55 or APPLY HERE.