Red Apple Finance Partners solutions

for today’s Importers/Exporters.

A Funder that understands your company and

supports you in everything to do with

international trade is good for business.

Your partner in trade.

How many banking services does a company need? Every business is

unique and has its own very specific requirements, which means that no

two businesses make exactly the same demands of their bank.

Your business target is long-term,

sustainable growth.

So just how many banking services does your company need?

It all comes down to the business you are in, and your organization’s

requirements. First, we’ll offer you sound advice, based on your

business’s needs, goals and processes. Then we’ll introduce you to the

comprehensive offering of products and services available to you, and

work with you to devise a solution specifically tailored to your

company’s requirements.

It doesn’t matter whether you’re a large or a small company, whether

you manufacture products or provide services, or even whether your

business is local, national or global in scale: we will provide you with

exactly the banking services you need. Which allows us to create added

value for you – and that’s always good for business.

Strengthen your position as first-choice business

partner.

Red Apple Finance Partners Limited provides trade finance to clients

involved in exporting or importing finished goods through:

Providing appropriate finance to fund the transaction;

Minimising risks, particularly credit and political risks; and

Managing the supply chain cash flow.

Red Apple Finance Partners Limited comprises knowledgeable and

technically proficient Trade Finance professionals and corporate risk

managers who understand the commercial pressures and demands of

cross-border risk management, finance and logistics.

Red Apple Finance Partners Limited originates structures and finances

business where there is an underlying trade. We use a range of financial

and risk mitigation solutions to help meet your exact requirements

including:

Procurement Finance

Order Finance

Receivables discounting , as part of an overall solution

Letters of Credit confirmations

Forfaiting

Pre- Export finance

Commodity Finance

Import finance facilities

Guarantees and Standby Letters of Credit

Capital Goods Finance and Leasing

Credit Insurance

We have funded a diverse range of finished goods,

including:

Gas BBQ’s; Children’s clothing; Commercial batteries; Replacement

windscreens; Hi Tech cameras; Machine parts to Africa; Giftware to

major retailers; Used Vegetable Oil; Pizza boxes; Garden games and

capital goods.

CORE CRITERIA FOR TRADE FINANCE

PARTNERS (“Red Apple Partners Finance

Limited”)

Red Apple Partners Finance Limited is a provider of traditional

transactional trade finance. Red Apple Partners Finance Limited will

purchase finished goods on behalf of their clients, against confirmed

purchase orders from credit worthy end customers. Red Apple Partners

Finance Limited is not a Bank; it does not lend, it physically buys and

sells goods on behalf of its clients. Typically clients are medium sized

businesses that have confirmed purchase orders but are unable to fund

their supply chain. Red Apple Partners Finance Limited inserts

themselves into the supply chain between the client and their supplier.

Client:

Ideally established business with 2 years track record;

Can be domiciled in most countries;

Must be a Limited Company.

Product:

Ideally finished goods, we don’t take manufacturing risk;

Trading Margin (Gross Margin) of at least 15%;

At least 8 months shelf life (not perishable goods);

No onerous on-going support obligation by the client.

Transactions:

Maximum tenor of 90 days pre-shipment finance, 120 days post

shipment finance;

Minimum purchase quantity of £80,000 from any one supplier

over a 2 week period;

Confirmed orders from end buyers (no sale or return or call off

orders);

End buyers must be credit insurable by Red Apple Partners

Finance Limited insurer, or offering Letter of Credit or Bank

Guarantee from Investment Grade bank. Can be domiciled in most

countries;

One off transactions only considered if quantum is in excess of

£250k equivalent;

Maximum transaction size of £1m to any one end buyer, or £3m to

multiple end buyers. Larger trades considered on an exceptional

basis up to £25m;

All trades conducted on a disclosed basis to buyer and suppliers.

Costs and Security:

Cost varies on size and tenor of trade. Typical range is 2% to 3.5%

per 30 days for cash use and 2% per month pre-shipment Letters

of Credit and not in product;

Security may include Debenture, Personal Guarantees or

Warranties / Indemnities, or specific debt waivers from existing

lenders relating to transactions being financed. Cross guarantees

may be required for group structures or SPVs.

TYPICAL TRADE FINANCE TRANSACTION PROCESS

FLOW

Client:

Approaches Red Apple Partners Finance Limited to fund the

transaction.

Red Apple Partners Finance Limited approves funding and Issue

L/C or supplier undertaking to supplier.

Supplier

Red Apple Partners Finance Limited confirms to the

Supplier/Manufactures/sources goods and ship.

Supplier invoices Red Apple Partners Finance Limited for the

goods.

Red Apple Partners Finance Limited purchases the goods and

pays to the supplier.

Red Apple Partners Finance Limited

Invoices the client for the goods plus fee’s.

Sells goods to its customer’s proceeds assigned to Red Apple

Partners Finance Limited.

Pays to Red Apple Partners Finance Limited on due date.

Discharges its invoice to the client and pays profit to the client.

Do Not Hesitate to Contact Us. Are you interested?

Would you like to know more about the opportunities available for your

Company?

Your client advisor will be happy to help, or you can call us.

The contents of this brochure are for information purposes only. Services, products and prices may

change at any time without prior notice. Not all products mentioned are available in all jurisdictions.

Some services and products may be legally restricted for residents and citizens of certain countries