When your business needs cash

Convert your invoices into cash with a leading online lender

High limit
Up to $10M
We finance your invoices with a total limit of up to 10 million USD. Boost your turnover!
48 hours
We can do it online in 48 hours. No need to leave the office.
Only 2 docs
To start financing: get your Stenn contract and buyer’s notification signed
7.0B USD of invoices financed since 2015
Why do thousands of exporters convert their invoices into cash with Stenn?
What is Stenn?
What is Stenn?
Explains Greg Karpovsky,
the Founder
A turnover boost – no need to wait for deferred payments.
Quickly finance the supply of raw materials for the next production cycle.
Instant coverage of urgent business needs – taxes, debts, salaries.
You have a new buyer and need payment insurance.
The bank can’t support you (or you’re over the limits).
No financials or collateral needed.
Check cost-efficiency
Sum of invoice$150,000
Payment terms30 days
We finance$
Cost per-invoice
*Read more in our
How Stenn Works?
How Stenn Works?
Explains Greg Karpovsky,
the Founder
Who can apply for invoice finance?
Who can apply for invoice finance?
By Celine Hartmanshenn,
the Global Head of Credit
How to get financed?

Register with Stenn.com

Upload your invoices to get limits on your buyers

Get your cash in 48 hours once the documents are signed

Stenn is a market leader in supporting international trade via invoice financing online.

$7.0 Billion
invoices financed since 2015
74 countries
covered by Stenn’s online trade finance platform
Data confidentiality
We keep your financial data safe and secure.
Web app to fully track transactions
Use the Stenn App to stay in the loop with your invoice finance transactions.
Live support from Stenn
Get help and professional advice any time you need it.

Case studies

Solar panels, India
Solar panels, India
The supplier exports products to one of the leading manufacturers of solar PV mounting systems in North America.
Fish & Seafood, Peru
Fish & Seafood, Peru
Financial aid for trade – Stenn provided a seven-figure trade finance facility to help a Peruvian frozen seafood exporter expand its business with European buyers.
Wire & Cable, USA
Wire & Cable, USA
We completed a finance program for a maritime wire and cable firm in the USA, importing from suppliers in Canada and China.
Game developer, Netherlands
Game developer, Netherlands
A seven-figure trade finance facility for a Dutch game developer. The program is Stenn’s first finance program in the Netherlands to encompass both export and domestic trade.
Electronics, China
Electronics, China
A Chinese electronics manufacturer, delivering to a wholesale company in the US.
Seafood, Ecuador
Seafood, Ecuador
We are very happy to provide a working capital solution for this seafood exporter in Ecuador, shipping to a customer in Germany.
What is invoice financing/invoice factoring?
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When exporting goods to buyers overseas, suppliers typically wait 30 - 120 days for payment. Such ‘deferred payment’ is normal in international trade but it ties up capital and can have a crippling effect on cash flow and business growth. Invoice financing (also known as ‘invoice factoring’) provides the exporter with immediate payment of that debt – by transferring money to the supplier as soon as the goods are shipped and collecting money later from the buyer. In this way, the supplier gets the cash without delay and is protected against non-payment. Read more about invoice financing here.
How does invoice financing help an exporter’s business?
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Fast release of working capital
Stenn’s invoice financing platform provides fast payment of invoices and frees up working capital that could be tied up for between 30 - 120 days in international trades. It means that suppliers can get their invoices paid as soon as the goods are shipped, yet their buyers will not have to pay for them until later, giving buyers time to receive the goods and make use of them. In competitive international export markets, allowing buyers to pay later gives sellers a competitive advantage. Invoice financing means that sellers can offer such terms without tying up their capital and can deal with new foreign buyers without risking non-payment of invoices.

Competitive fees
The cost of such financing is usually 0.65% - 3.8% of the invoice value (which equates to an Annualized Percentage Rate (APR) of 7.9% - 11.4%) and Stenn takes the risk of the buyer defaulting.

No risk of buyer default
Stenn’s platform provides what is known as ‘non-recourse financing’, which means that suppliers have no risk of non-payment. This is particularly comforting when trading internationally with new buyers. Read more about invoice financing here.

Find out more in this video from Stenn’s founder.

Which suppliers can apply for Stenn’s invoice finance?
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Suppliers who meets the following criteria can apply for invoice finance:
  • A supplier must be an export company, a legal entity in existence for at least 12 months.
  • It must sell consumer or professional goods, such as: apparel, automotive parts, electronics, finished goods, food products and ingredients, machinery, equipment, metals, packaging, etc. We can also finance professional services such as software development and consultancy.
  • Stenn cannot finance invoices connected with oil, gas or coal; conflict minerals; sanctioned goods; weapons and firearms; precious metals.
  • We can finance invoices payable up to 120 days (sometimes up to 180 days as an exception).
  • Your buyer will be an importer in a country free of sanctions and cannot be one of your affiliated companies.
  • Your buyer cannot be in arrears, insolvent or involved in court proceedings in the last two years.
How much does Stenn financing cost?
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Stenn’s fees depend on the amount of finance requested, length of term, etc. and range from 0.65% - 3.8% of invoice value. These equate to an Annualized Percentage Rate (APR) of 7.9% - 11.4%.
Why is Stenn’s invoice financing better than bank credit?
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Faster than a bank, better than a loan
Stenn’s online invoice financing is much faster than a bank (assessment is quick and funds are paid within 48 hours of only two documents being signed) and is better than a loan (it has no influence on credit history, needs no collateral, and requires no lengthy applications and interviews).

Higher funding limits
It also offers a much higher limit than bank credit typically would - up to $10 million (USD) per buyer - and covers you against the risk of your buyer failing to pay your invoice.

Provides huge leverage
It can also give smaller companies tremendous leverage. For example, a company with assets of only $50 000 (USD) could finance a shipment of goods worth $500 000 (USD) if the buyer fits the criteria.

It will provide funding where banks often won’t
Finally, Stenn specializes in financing cross-border trade. Very often banks do not finance international deals because they don’t work in jurisdictions other than their home countries. Read more about invoice financing here.

Why should I trust Stenn?
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There are several reasons why our reputation is so solid:
  • Stenn is based in London and backed by financial giants like HSBC, Barclays, Natixis, Goldman Sachs, and many others.
  • We have financed over $7 billion (USD) of invoices since our formation in 2015.
  • Stenn has launched a variety of programs to help small and medium-size companies (SMEs) drive international trade in the developing world.
  • We are regularly mentioned in the financial press.
  • Stenn is run by a seasoned team of experts from the finance, FinTech, credit, and risk mitigation sectors. Meet our team here.
Stenn's factoring service is very good and provides us liquidity during our peak season. We appreciate that Stenn's fees are fair and acceptable.
Sports Connection Asia
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