Suppliers
- Cost-effective, flexible funding options
- Access working capital funding in hours
- Reduced administrative burden
- No need to renegotiate payment terms
Working Capital Notes™ convert verified trade activity into legally recognised digital instruments. Because the buyer's payment obligation is embedded in the instrument, funders can act with greater certainty and speed. WCNs deliver a 90-100% advance rate against invoice value, are fully transferable prior to maturity, and are legally enforceable under the UK's Electronic Trade Documents Act. Every action is fully auditable. Steps 1 to 3 completed within minutes.
More working capital unlocked than would otherwise have been available
From documentation and signatures to funding released
Major systems integration or operational disruption required
Access to funding when needed in the trade cycle, without renegotiating payment terms
Capital mobilised against highly enforceable, transferable digital instruments
Greater resilience and stability across an important UK grocery supply chain
Working Capital Notes™ can cut transaction costs by up to 80%. And because they are legally enforceable instruments under the UK's Electronic Trade Documents Act, banks can fund them with confidence.
Book a demo to see a Working Capital Note™ issued in real time and explore how the structure could support your working capital strategy.
A UK-based food importer used Working Capital Notes™ to unlock approximately 20% more working capital than would otherwise have been available. The transaction was enabled through ETR Digital's Flownote™ technology, TETA's Signal platform, and financed by Investec Capital Solutions.
Working capital pressure begins well before products arrive. Invoice-based funding left cash trapped and did not fully address the importer's needs across a long international supply chain.
The importer adopted Working Capital Notes™, issued as digital bills of exchange via ETR Digital's Flownote™ platform and enabled through TETA's Signal system.
"Working Capital Notes™ demonstrate how digital innovation can take working capital efficiency to the next level and give lenders an alternative funding approach. They have enabled us to provide an innovative solution to a new customer, which meets all their working capital goals. We are delighted about the future pipeline of opportunities and continuing to scale this solution with our partners." - Hugh Liddane Head of Sales, Investec Capital Solutions
ETR Digital's Flownote™ platform transforms verified trade activity into Working Capital Notes™, giving businesses access to deep pools of liquidity without complex onboarding. Paper slows you down. Digital speeds you up. Capital can follow.
Investec Capital Solutions provides working capital financing to UK businesses through flexible funding structures built around real commercial needs. A trusted partner in delivering practical, scalable trade finance solutions.
TETA's Signal platform manages trade documentation, shipment visibility, and financing workflows, helping suppliers, buyers, and financial institutions collaborate more effectively across international supply chains.
