Insure Receivables. Unlock Working Capital.
tsmartcash helps B2B companies protect receivables, assess buyer credit risk, and access financing faster — all from one unified platform.
Total Receivables
$2.4M
Insured
85%
Available Credit
$1.8M
Buyer Risk Scores
Updated 2h agoAcme Corp
Credit limit: $500K
Global Logistics
Credit limit: $250K
TradeFlow Inc
Credit limit: $750K
Invoice Financing
ActiveB2B Trade Finance Has a Capital Problem
Running a B2B company means managing complex receivables, buyer credit risk, and limited financing options — all while trying to grow.
Slow-Paying Customers
Net-60, Net-90 terms stretch your cash conversion cycle, leaving working capital trapped in unpaid invoices.
Cash Flow Gaps
Seasonal demand spikes and delayed payments create liquidity gaps that limit growth opportunities.
Buyer Default Risk
A single customer bankruptcy can wipe out months of profit. Traditional credit checks are insufficient.
Limited Bank Access
SME-focused banks lack trade finance expertise. Traditional collateral requirements exclude many B2B companies.
No Trade Credit Tools
Spreadsheets and manual processes can't scale. You lack real-time visibility into buyer creditworthiness.
International Complexity
Cross-border trade adds currency, political, and regulatory risks that domestic-focused tools can't address.
Three Ways to Protect & Grow Your Business
A unified platform combining credit risk analysis, receivable insurance, and invoice financing — built specifically for trade-heavy B2B companies.
Buyer Credit Analysis
AI-powered credit risk assessment using global trade data, financial statements, and payment history. Get real-time buyer scores and credit limits.
- Global buyer database
- AI risk scoring
- Credit limit recommendations
- Continuous monitoring
Receivable Insurance
Protect your invoices against buyer default through our integrated trade credit insurance partners. Coverage up to $10M per buyer.
- Instant limit approval
- Claims processing
- Coface & Allianz partners
- Premium optimization
Invoice Financing
Unlock working capital from unpaid invoices. Get advances up to 95% within 48 hours. No collateral required.
- 95% advance rate
- 48-hour funding
- Non-recourse options
- Flexible terms
From Invoice to Capital in 5 Steps
A streamlined process designed for B2B companies who need fast, reliable access to working capital.
Upload Invoices
Connect your accounting software or upload invoices directly. We support QuickBooks, Xero, NetSuite, and manual CSV uploads.
Analyze Credit
Our AI evaluates buyer creditworthiness using global trade data, financial statements, and payment behavior patterns.
Get Insurance Approval
Receive instant credit limits and insurance coverage recommendations from our partner insurers.
Match Financing
Select from our network of factoring partners to match receivables with the best financing terms.
Receive Capital
Get funded up to 95% of eligible invoice value within 48 hours. Repay when customers pay.
Measurable Impact on Your Business
Join hundreds of B2B companies that have transformed their working capital with tsmartcash.
Advance Rate
Get up to 95% of invoice value upfront, maximizing your working capital access.
Funding Speed
From application to funding in as little as 48 hours. No weeks of waiting.
Risk Reduction
Protect against buyer default with trade credit insurance covering losses.
Faster Growth
Remove cash flow barriers to scale sales with reliable financing backbone.
Reduce Buyer Risk
Get comprehensive buyer credit analysis and insurance coverage that protects your bottom line from customer defaults.
Improve Cash Conversion
Shorten your cash conversion cycle from 90+ days to immediate access to locked capital.
Unlock Working Capital
Access 80-95% of eligible receivables to fund operations, inventory, and growth opportunities.
Strengthen Borrowing Base
Insured receivables count as high-quality collateral, improving bank lending terms.
Scale Sales Safely
Extend credit to new buyers with confidence knowing you're protected against non-payment.
Single Platform
Manage credit analysis, insurance, and financing from one unified dashboard.
Built for Trade-Heavy B2B Sectors
Specialized financial solutions designed for the unique challenges of each industry.
Freight Forwarders
International logistics companies moving cargo across borders face unique receivables challenges including long payment cycles, currency exposure, and complex buyer networks.
Pain Points
- Net-90 payment terms from shippers
- Currency fluctuation losses
- Fuel and carrier advance payments
- Limited access to trade finance
Solutions
- Invoice financing for shipper invoices
- Credit insurance for international buyers
- Foreign exchange hedging
Food Importers & Distributors
Perishable goods require fast inventory turnover. Cash flow gaps between procurement and retail payment can threaten business stability and growth.
Pain Points
- Short shelf-life inventory pressure
- Retailer payment delays (60-90 days)
- Seasonal demand fluctuations
- Quality and spoilage risks
Solutions
- Receivables financing for retailer invoices
- Purchase order financing
- Inventory-backed credit
Amazon / E-commerce Fulfillment
Marketplace sellers face delayed payments, high competition, and seasonal peaks. Access to capital is critical for inventory and advertising spend.
Pain Points
- Amazon payout delays (14-90 days)
- Inventory tied up in FBA
- Advertising budget constraints
- Seasonal cash flow swings
Solutions
- Amazon inventory loans
- Invoice factoring for B2B sales
- Revenue-based financing
B2B Wholesalers
Wholesale distributors bridge manufacturers and retailers. Managing buyer credit risk while maintaining inventory levels requires sophisticated financial tools.
Pain Points
- B2B credit management complexity
- Large order credit extensions
- Multiple buyer concentration risk
- Limited banking relationships
Solutions
- Trade credit insurance
- Factoring for wholesale invoices
- Credit facility management
Backed by Leading Financial Partners
We work with world-class trade credit insurers, banks, and factoring partners to deliver comprehensive financial solutions.
Trade Credit Insurers
Coface
Allianz Trade
Atradius
Banking Partners
HSBC
Mizuho
Standard Chartered
Santander
Factoring Partners
Deutsche Factoring
Bibby Financial
Orbian
PrimeRevenue
And 50+ additional banking and factoring partners worldwide
The Platform Built for Modern B2B Trade
Experience the difference of a platform designed specifically for trade finance, not retrofitted from consumer lending.
AI-Powered Risk Workflows
Our proprietary machine learning models analyze thousands of data points to deliver accurate buyer credit scores in real-time.
Embedded Insurance Infrastructure
Seamlessly integrate trade credit insurance into your workflow. Get instant limit approvals through our API connections.
Financing Marketplace
Access competitive financing terms from multiple providers through a single platform. We match you with the best rates.
Built for Trade Sectors
Specialized solutions for logistics, distribution, e-commerce, and wholesale. We understand your industry's unique challenges.
Trusted by B2B Leaders
Hear from companies that have transformed their financial operations with tsmartcash.
"tsmartcash transformed our cash flow. We went from waiting 90 days for payments to getting funded within 48 hours. Our growth has accelerated 3x since partnering with them."
Michael Chen
CFO, Pacific Freight Solutions
Logistics & Freight Forwarding
"The buyer credit analysis helped us identify risky customers before extending credit. We've avoided two potential defaults that would have cost us $500K+. Essential for any distributor."
Sarah Williams
Owner, Atlantic Food Distributors
Food Import & Distribution
"As an Amazon seller, cash flow is everything. tsmartcash helped us access $2M in working capital to scale our advertising and inventory. Game changer for e-commerce."
David Park
Finance Manager, Fulfillment Pro
E-commerce Fulfillment
Frequently Asked Questions
Get answers to common questions about receivable protection and working capital solutions.
What is receivable insurance?
Receivable insurance, also known as trade credit insurance, protects your business against customer non-payment. If a buyer defaults or becomes insolvent, the insurer covers the loss up to the policy limit. This enables you to extend credit with confidence and use insured receivables as collateral for financing.
How does invoice financing work?
Invoice financing allows you to access working capital before your customers pay their invoices. You submit outstanding invoices to us, and we advance you 80-95% of the invoice value within 48 hours. When your customer pays the full amount, you receive the remaining balance minus a small fee. It's a fast, flexible way to bridge cash flow gaps without taking on new debt.
Do I need existing insurance coverage?
No, you don't need existing insurance coverage. tsmartcash helps you obtain trade credit insurance through our partnered insurers like Coface and Allianz Trade. We can also structure solutions that combine new insurance placement with financing, tailored to your specific needs.
What industries do you support?
We specialize in trade-heavy B2B sectors including freight forwarders and logistics companies, food importers and distributors, Amazon and e-commerce fulfillment businesses, and B2B wholesalers. Our platform is designed to address the unique financing challenges of each industry.
How quickly can funding happen?
Once your account is set up and invoices are verified, funding can be completed within 48 hours. The initial onboarding process typically takes 3-5 business days, including credit assessment and partner matching. For existing clients with verified invoices, we offer same-day funding for eligible requests.
Can you work with my existing bank or insurer?
Absolutely. tsmartcash works collaboratively with existing banking relationships and can integrate with your current trade credit insurance. Our financing marketplace approach means we can supplement your existing facilities or help you establish new ones. We coordinate with banks, factors, and insurers to deliver integrated solutions.
What are the eligibility requirements?
Eligibility depends on factors such as your business type, invoice volumes, buyer credit quality, and historical payment behavior. We work with companies having at least $500K in annual B2B revenue. Our team will assess your specific situation during the onboarding process and match you with suitable financing partners.
Is there recourse or non-recourse financing?
We offer both recourse and non-recourse invoice financing. Non-recourse options transfer the credit risk to the funder (typically requiring insurance), while recourse financing keeps the risk with you but often comes with lower fees. We'll help you choose the best structure for your risk tolerance and cash flow needs.
Protect Your Receivables. Accelerate Cash Flow.
Join 500+ B2B companies that use tsmartcash to analyze buyer credit risk, insure receivables, and unlock working capital — all from one platform.