Unlock funds for your next opportunity
Flexible financing solutions built for businesses with big ambitions.
Flexible financing solutions built for businesses with big ambitions.
The credit lines you need, when you need them – with no hidden fees
setup costs
days to repay Ebury
credit lines you can access
The financing partner that you can trust
Fast and flexible credit lines to advance your global growth.
Fast and flexible credit lines to advance your global growth.
Make your working capital work for you
Buy raw materials, pay for freight or shipping costs and more, with easy repayment terms.
Buy raw materials, pay for freight or shipping costs and more, with easy repayment terms.
Pay your suppliers
Access unsecured credit lines from £50K to £5M to pay your invoices in most currencies.
Send your invoices
Upload your invoices to the Ebury Online platform, and we'll handle the rest for you.
Manage FX risk
We pay your suppliers in their currency, you settle with us in yours up to 150 days later.
Decide how you repay
Enjoy total flexibility with zero fees for early repayment and any unused credit.
Manage your currency risk
Protect your repayments from currency fluctuations with our flexible hedging solutions.
Protect your repayments from currency fluctuations with our flexible hedging solutions.
Get the funds you need in four smooth steps
Prepare for what’s next and accelerate your global success.
Check if you qualify
Access your credit line
Once you complete the process, send your invoices to Ebury.
We pay your invoices
We pay your suppliers in their local currency, eliminating their FX fees.
You repay us
Sell your goods and repay Ebury within 150 days.
Global growth, simplified
Access resources you need to power your global growth.
Access resources you need to power your global growth.
Geopolitical shocks are now feeding through to small and medium-sized enterprises (SMEs) faster than ever before. As operating across global supply chains, customer bases, and supplier networks becomes the norm for smaller businesses, disruption due to external events – such as the conflict in the Middle East – is no longer an unfamiliar thought.
Business owners are surprised to learn that debt is cheaper than equity. This is not just financial theory. It shows up clearly in how businesses grow, how much control owners retain, and how quickly capital can be deployed.
For internationally active SMEs, the cost of borrowing is rarely captured by the headline interest rate. It is shaped by how capital is accessed, how often it is used, and the conditions attached when plans change.
Rising geopolitical uncertainty, currency volatility and supply chain disruption are creating new pressures on working capital for internationally active businesses, pushing many companies to streamline operations, strengthen financial resilience and protect their bottom lines from unexpected shocks.
Most SMEs treat FX risk as a treasury execution issue. In this article, we highlight a deeper truth: FX exposure often originates inside credit and working capital structures long before any treasury intervention.
Here, we share how SMEs can effectively manage capital and mitigate currency risks.
Your funds are safe and secure
Transact confidently on our platform built with enterprise-grade security.
Transact confidently on our platform built with enterprise-grade security.
Our platforms require 2-factor authentication to prevent unauthorised logins.
Our strong security and multi-level encryption protect your funds and data worldwide.
Our payment services are regulated by national authorities around the globe.
We hold your funds in separate accounts in accordance with relevant safeguarding and client money rules.
Frequently Asked Questions
We are here to help you with any questions you may have.
We are here to help you with any questions you may have.
How do I check if my business qualifies for Ebury’s financing solutions?
If the annual revenue of your business is more than £1m, has a tangible net worth of £100,000, and displays a healthy trading record for at least two years, you can apply for Ebury financing.
How can I apply?
The best way to get started is to get in touch with one of our relationship managers and discuss your business needs.
How long does it take for the funds to be paid?
Once your account and credit line are set up, funds are available to draw and pay your suppliers as soon as you sign your T&Cs.
How do I repay Ebury?
You can repay us within 150 days, along with interest accrued on the line, in your local currency at a rate pre-decided and mentioned in your terms and conditions.
Why would I choose Ebury finance over a bank loan?
Ebury offers fast, unsecured financing with higher limits and more flexibility than traditional bank loans. You only pay interest on the amount you use, and our intuitive platform handles the tracking and reporting so you can stay focused on growing your business.
How long does it take to set up the financing account?
Once you’ve submitted your information, the process usually takes up to two weeks, though we’ll always aim to move faster for you whenever possible.
Do I have to provide security or a guarantee for the credit line?
We do not take title or security over your goods or business. But, in rare cases, we may need a personal or cross-company guarantee to provide financing.