Request a Trade Finance Quote Talk to a Relationship Manager

 

What is Trade Finance? 

 

Trade Finance helps businesses buy and sell goods locally and internationally—more safely and smoothly. 
It supports your trade transactions by: 

  • reducing payment and delivery risk 
  • improving working capital and cash flow 
  • giving you bank-backed credibility with suppliers and partners 

 

Who is it for

 

Importers, exporters, distributors, manufacturers, contractors, and growing SMEs—whether you trade regularly or only a few times a year. 

 

 

Why businesses use Trade Finance

Common Challenges

 

  • “I’m not sure my supplier/buyer will pay on time.”
  • “My cash is tied up while goods are in transit.”
  • “My customer requires a guarantee to award the contract.”
  • “Documents and shipping requirements are complicated.”

What Trade Finance helps you do

 

  • Get paid with more assurance
  • Receive goods with clearer conditions
  • Win tenders and secure contracts
  • Keep your working capital moving

Our Trade Finance Products

 

Bank Guarantee (BG)
Build trust with suppliers and partners—without tying up cash.

Bank Guarantees and Standby LCs support tenders and contracts by providing bank-backed assurance.




Good for:
  • tender / bid security
  • performance guarantees
  • advance payment guarantees
  • contract obligations
Find out more
Documentary Collection (Collection)
Lower-cost trade settlement with bank-controlled documents.

A cost-effective option for trade with established partners. The bank manages the documents and releases them based on agreed payment/acceptance terms.



Good for:
  • regular trade partners
  • cost-sensitive transactions
  • businesses that want more structure than open account
Find out more
Letter of Credit (LC)
Secure payments for import & export.

An LC is ideal when you’re working with a new supplier/buyer, handling larger shipment values, or want stronger payment assurance.




Good for:
  • new overseas suppliers or buyers
  • higher-value shipments
  • situations where both sides want clearer conditions
Find out more
Trust Receipt (TR)
Get goods first, pay later—better cash flow for your business.

TR helps importers access goods and sell/produce first, then repay on an agreed due date (subject to approval).






Good for:
  • importers needing working capital relief
  • distributors and fast-moving goods traders
  • seasonal inventory needs
Find out more
Trade Invoice Financing (TIF)
Turn supplier invoices into short-term funding for smoother trade.

TIF helps buyers and importers access short-term financing based on confirmed commercial invoices issued by suppliers. Once the transaction and movement of goods or services are verified, the Bank disburses the loan and pays the supplier directly.



Good for:
  • supplier payments
  • managing cash flow gaps
  • short-term working capital
  • maintaining strong supplier relationships
Find out more
Accounts Receivable Financing (ARF)
Unlock cash from unpaid invoices and improve working capital.

ARF helps businesses access funds from eligible outstanding receivable before payment is received from buyers. After the Bank verifies the underlying transaction, funds are advanced to support immediate cash flow needs and day-to-day business operations.



Good for:
  • businesses with outstanding buyer invoices
  • improving short-term working capital
  • reducing cash flow pressure while waiting for payment
  • companies with regular receivables from customers
Find out more

 

 

Which product should I choose

 

Not sure what fits? Use this simple guide:
  • Need strongest payment protection for import/export → LC
  • Need tender/contract support → BG / SBLC
  • Want lower-cost settlement + document control → Documentary Collection
  • Need goods now and pay later → Trust Receipt (TR)

 

Why Wing Bank

 

Make trade easier, faster, and more accessible.

  • SME-friendly access (start small)
  • clear process and guided support
  • faster turnaround when documents are complete
  • promotion pricing available on selected services
  • GDCE e-payment support: Pay customs duties/taxes and import–export fees through Wing Bank via GDCE e-payment collaboration 

 

Talk to Us Today

We’re ready to help you take the first step.

Call
(+855) 23 999 989
Email
care.centre@wingbank.com.kh
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Wing Bank App
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