How trade credit works —
and whether you should offer it to your customers

Trade credit is one of the most widely used forms of business finance, helping companies get the materials and products they need while managing their cash flow and maintaining sufficient working capital. But is it an internal or external source of finance? Let’s explore how trade credit works, why it’s classified as external finance, and what it means if you’re looking to grow your business while keeping an eye on your cash flow.

February 19, 2025

For UK businesses, the rise of B2B Buy Now, Pay Later (BNPL) and digital trade credit solutions has introduced new, simpler ways to manage these liabilities more efficiently. In this article, we’ll look at what exactly trade payables are, how to manage them, and how flexible financing solutions like iwocaPay can help keep you on track.

February 19, 2025

When it comes to keeping your business liquidity on track, it pays to keep an eye on your trade receivables. Understanding what you’re owed and how you’re managing your money owed is a key part of managing your cash flow, and good financial habits can reap big rewards.

February 10, 2025

Offering trade credit to your customers can be a double-edged sword. While it can open the door to increased sales, conversions and customer loyalty, there is always a risk that some customers might not pay up. That’s where trade credit insurance comes in.

February 10, 2025

In this guide, we’ll explore everything you need to know about trade accounts: what they are, how they work, and how modern finance solutions are transforming them for the digital age. Whether you’re considering applying for your first account or looking to offer them to your customers, we’ve got you covered.

February 10, 2025

Offering trade credit accounts can help businesses build stronger relationships with their customers, encourage repeat purchases, and support the cash flow needs of buyers – but they can also bring risks for sellers. In this article, we’ll cover how trade credit accounts work in practice and how to make them deliver for your business.

January 22, 2025

Offering long term trade credit can open the door to more deals and partnerships, but it also brings more risks for your business. Let’s explore how it works, who benefits, and how to make the most of it.

January 20, 2025