Access 240 banks, funds &
alternative lenders globally
Trade & Receivables Finance facilities for businesses
to trade, import or export goods
Who We Are

Ponec Capital was established in 2016 to provide trade finance facilities to businesses in both the UK and abroad. In partnership with Commonwealth Eurocredit, we specialize in structured financing solutions that support global trade.

Our dedicated and highly experienced trade finance team boasts over 100 years of combined business experience and deep knowledge of international trade, enabling us to deliver tailored financing options for companies looking to trade successfully worldwide.

Ponec Capital also specializes in securing funding for the successful implementation of Clean Development Mechanism (CDM) projects, contributing to sustainable development and carbon reduction initiatives across the globe.

What is trade finance?
Trade Finance is the financing of services or goods in a transaction or trade, from a supplier through to the end buyer. It accounts for 3% of global trade, worth some $3tn annually. “Trade Finance” is an umbrella term, which includes a variety of financial instruments that can be used by an exporter or importer.
These include:
  • • Letters of Credit (LCs)
  • • Stock Finance
  • • Invoice Finance (Discounting & Factoring)
  • • Structured Commodity Finance
  • • Supply Chain Finance
  • • Purchase Order Finance
  • • Bonds & Guarantees
The terms Import Finance and Export Finance are used interchangeably with Trade Finance
Other benefits of trade finance
Trade finance allows companies to request higher volumes of stock or place larger orders with suppliers, leading to economies of scale and bulk discounts.
Short to medium-term working capital, using the underlying products or services being exported/imported as security/collateral. It increases the revenue potential of a company, and earlier payments may allow for higher margins.
Trade finance can also help strengthen the relationship between buyers and sellers, increasing profit margins. It allows a company to be more competitive.
Managing the supply chain is critical for any business. Trade and supply chain finance helps ease out cash constraints or liquidity gaps – for suppliers, customers, third parties, employees or providers. Earlier payments also mitigate risk for suppliers.
It is important to note that trade finance focuses more on the trade than the underlying borrower, i.e. it is not balance sheet led. Therefore, small businesses with weaker balance sheets can use trade finance to trade significantly larger volumes of goods or services and work with stronger end customers.
Due to the embedded risk mitigants that surround trade finance lending and instruments, it leads to the potential of a diversity of supplier base for trading companies. A more diverse supplier network increases competition and efficiency in markets and supply chains.
Companies can also mitigate business risks by using appropriate trade finance structures. Late payments from debitors, bad debts, excess stock and demanding creditors can have detrimental effects on a business. Revolving credit facilities or external financing can ease this pressure by effectively financing trade flows.
Join us
We’re always looking for talented people with the right experience. When you join our Ponec Capital, we’ll keep you up-to-date with the right opportunities
Join us as a
Senior Accountant

You’ll control the financial ledger through policy setting, control, and risk and systems frameworks

We’ll look to you to lead teams to make accurate and timely delivery of monthly, quarterly and annual financial information

For someone with great financial control experience, this is a chance to gain excellent exposure as you work with senior stakeholders across the bank

This role is available as a Senior Accountant or Team Lead

Apply position
Join us as a
Customer Service - Personal Banker

You’ll be integral to guiding and supporting our valued branch customers, helping them to achieve their financial goals

We’ll look to you to proactively find ways to enhance our customer banking experience

We’re committed to your career progression, so you’ll join us as an Associate Personal Banker and we’ll support your development to become a Personal Banker within two years

We’ll also help you to achieve a Professional Banker Certificate while working here

Apply position
Join us as a
Risk & Controls Manager

If you have a background in assessing risk, then join our team in helping to anticipate and assess the potential impacts of supply chain risk across the bank

We’ll look to you to proactively drive the assessment and implementation of risk framework and policy compliance and changes in relation to third party suppliers

In this highly collaborative role, you’ll have an ideal platform for building your network and advancing your career, while helping to create a safer environment

Apply position