B2B Factoring for Imports: Securing Deferred Payments from Chinese Suppliers

B2B Factoring 2026: Scaling Your Imports

One of the main problems for importers in 2026 is the lack of working capital. Factories in China and Turkey increasingly demand 100% prepayment, while logistics and customs can take up to 30-40 days. This creates a 'cash gap' that limits business growth.

Why Traditional Bank Factoring Isn't Working?

Banks are extremely reluctant to finance high-risk cross-border deals. Approving an import factoring limit can take months, and collateral requirements make it inaccessible for medium-sized businesses.

The Onex Solution: Financial Use

We have developed a system that allows our regular clients to optimize cash flow:

1. Supplier Payment in 24 Hours: We pay your invoice from our own reserves in CNY or USD.
2. Flexible Reimbursement Schedule: You can repay Onex after the goods clear customs or even after they are sold.
3. No Collateral: The goods themselves, in transit under our control, serve as your collateral.

How This Helps Your Business?

• Increased Procurement Volume: You can order 2-3 times more goods without waiting for money to return from retail chains.
• Supplier Discounts: 100% prepayment allows you to negotiate better prices with Chinese factories.
• Protection Against Exchange Rate Fluctuations: You lock in the rate at the moment of supplier payment.

  Problem: You have a supply contract with a major chain but lack the funds to pay for the production of a new batch in China. Consequences: Lost profits and the risk of losing the chain contract due to empty shelves. Solution: Use Onex trade finance. We will finance your procurement so you can grow faster than your competitors.

Case Study: 300% Turnover Growth in Six Months

One of our clients in the construction materials segment used Onex financial use to purchase seasonal inventory. Thanks to the ability to pay in installments, the company was able to capture 15% of the regional market in a single season.

References & External Insights

• BIS: Analysis of Cross-Border Payment Systems
• IMF Financial Technology and Digital Assets Research
• SWIFT Global Financial Transaction Standards & Reports
• Federal Reserve Payment System Policy
• European Central Bank Payments & Markets Strategy

How does ONEX CRM work?

ONEX ensures secure cross-border payments and KTS defense.

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