Money · Financing
Purchase financing for goods in China
You pay an advance payment of 25% of the purchase value — the remaining 75% is paid to the supplier by our financial partner. Financing costs 2% per month, and interest is fixed for the delivery time we promised you: if we delay the cargo, nothing accrues for the days of delay. Available from the first deal, with no collateral and no credit history.
What this solves
The classic importer's arithmetic looks like this. You pay the factory today. The goods are produced over two or three weeks, then spend around 70 days at sea. You start selling two and a half months after the money left your account. All that time the sum is frozen — it exists, but you cannot use it.
The consequence is always the same: order volume is set by your account balance rather than by demand. You order less than the market would absorb, because the free cash has not yet come back from the previous shipment. The gap between turnover and delivery time is the main reason an importer grows more slowly than it could.
Financing closes that gap. You pay a quarter of the purchase value, we pay the rest to the supplier, and your money stays in whatever generates turnover right now: advertising, the next shipment, points of sale. You settle up when the cargo arrives in Ukraine — when the goods can already be sold.
Where a freight forwarder gets the money for your purchase
A logistics company is not a financial institution — and should not pretend to be one. That is why we built financing as a separate partnership: we work with a finance company that lends exclusively against deals of TCG Logistics clients. It is not an outside lender that sends you off to collect certificates, and not a bank with its own assessment rules — it is a partner that works only within our perimeter and only against our shipments.
Thanks to this partnership and the investment behind it, we can offer terms that are out of reach for a standalone freight forwarder: a 25% advance payment instead of the usual 30% on the market, a decision from the first deal, no collateral and no credit history.
For you it looks like one service and one contract. You do not need to deal with the finance company separately, collect documents for it or coordinate anything in parallel with logistics — everything goes through your manager.
The terms in numbers
25% of the purchase value
You pay a quarter of the invoice amount, and we transfer the remaining 75% to the supplier from our own funds. Import financing services usually ask for a 30% advance payment — ours is lower, because the cargo is in our hands along the whole route.
2% per month
The cost of financing is fixed in writing before the supplier is paid and is not recalculated retroactively. A preliminary quote takes 30 minutes.
From the first deal
No collateral and no credit history. We finance a specific deal rather than a company: we see the supplier, the invoice and the cargo we carry.
Payment on arrival
You pay the balance once the cargo has arrived in Ukraine. You can collect the goods in parts and pay in parts.
If we are late, no interest accrues
Interest is fixed for the delivery time we promised you. If the cargo arrives even one day late, no interest accrues at all for the days of delay. Our delay is our responsibility, and it is built into the product itself instead of being left for negotiation after the fact.
Accrual resumes the day after the cargo arrives — if you decide to collect the goods later or collect them in parts. So you never pay for the time we added, and you pay only for the time you chose yourself.
A financing service that does not handle delivery cannot offer such a condition — it does not control the timeline. We can, because we carry the cargo we finance: our own warehouses in China, our own carrier chain, customs clearance for the specific cargo. The timeline we promise is the timeline we answer for with our own money.
How it works
You show us the order
The supplier, the product range, the invoice amount, the production time. If you do not have a supplier yet, we find and check one ourselves.
Preliminary quote in 30 minutes
The logistics rate, the delivery time and the financing terms in a single calculation. By default the rate is calculated from our warehouse in China to our warehouse in Ukraine, and everything is fixed in writing before the money goes to the factory.
You pay a 25% advance payment
A quarter of the purchase value. No collateral is required and no credit history is checked — financing is available from the first deal.
We pay the supplier the remaining 75%
The transfer goes through our channels from the Chinese side. The supplier sees the payment and starts production.
The cargo goes to our warehouse in China and on to Ukraine
Guangzhou, Beijing, Yiwu or Hong Kong: we receive it, inspect it if needed and consolidate it. Then sea, rail or air — to fit your deadline and budget. Interest runs against the fixed delivery time, and nothing accrues for days of delay on our side.
You settle up on arrival
The balance is paid once the cargo has arrived in Ukraine. You can collect the goods in parts and pay in parts. If you collect later, interest accrual resumes the day after the cargo arrives.
TCG versus a typical import financing service
| Condition | TCG | Typical import financing service |
|---|---|---|
| Client's advance payment | 25% | Usually 30% |
| Cost of financing | 2% per month | Different at every service |
| Interest paused when delivery is delayed | Yes: no interest accrues for the days of our delay | No: the service does not control delivery |
| Logistics and financing in the same hands | Yes, we carry the same cargo we finance | No, delivery is handled by a separate contractor |
| Available from the first deal | Yes, no collateral and no credit history | After a company check |
We compare with the typical terms of import financing services on the market, without reference to specific companies — every service has its own terms.
Why we can offer these terms
Our financial partner works only with us
The partner company lends exclusively against deals of TCG Logistics clients. Decisions are therefore made quickly and by our rules, not by banking regulations.
We finance the cargo we carry ourselves
The money goes into a shipment that passes through our warehouse and our route. We see it at every stage — so the risk is lower and the terms for you are better.
We answer for the timeline with money
If delivery is delayed through our fault, no interest accrues for the days of delay. No finance company without its own logistics can offer this.
Who this suits best
Marketplace sellers
You know exactly how much you will sell in a month, and your limit is working capital rather than demand. A 25% advance payment lets you order against real demand instead of your account balance.
Producers buying raw materials and components
Delivery time falls directly into the production cycle, and every frozen week costs money. Paying the supplier with our funds removes the cash gap between buying raw materials and selling the finished product.
Those who have not worked with us before
Financing is available from the first deal — no collateral and no credit history. We assess the deal, not the age of your company: we see the supplier, the goods and the route ourselves.
FAQ
Frequently asked questions
Quote · free of charge
A quote in 30 minutes
Describe the order — we will name the logistics rate, the delivery time and the financing terms: 25% advance payment, a rate of 2% per month, interest paused if we are late.