For export
Deferral for export counterparties / factoring
Your clients ask for deferral, but you can't afford it? We pay you at shipment — the buyer pays us in 7–60 days. Recourse on the buyer
Learn moreTrade financing without collateral
Have an order or a deal ready, but no working capital? We finance within 24 hours — no collateral, with a personalized rate for your case and up to $100,000
No collateral2–5% per monthDecision in 24 hours
Solutions
For import
Working capital credit
Deal financing — up to $100,000 without collateral in 24 hours
Learn morePayments
International payments
Pay invoices worldwide instantly with no hidden fees
Client case studies
How companies from different industries solve problems with Yubank
Factoring / Deferral
Mariya Fruits LLC
Fruit and vegetable export
Problem
European buyers request deferred payment, but farmers need to be paid immediately. Banks require collateral and at least 5 years of market experience.
Solution
We saw that the buyers are large European import chains with strong creditworthiness, and financed the deal in 24 hours.
24 h
financed
0
collateral
0%
exporter risk
Payment solution
FaFi
Marketplace for agricultural products
Problem
Suppliers on the marketplace could only sell with full prepayment. Bank transfers from Europe took up to 5 days, and fresh produce could spoil.
Solution
Integration of a deferred payment solution. Result: +60% monthly order volume, more buyers, payment arrival time reduced to 1 day.
+60%
order growth
1 day
payment time
+25%
buyers on platform
Factoring / Deferral
AgroExport KG
Dried fruit export, Osh
Problem
UAE buyer requested 60-day deferral, but the company couldn't wait — farmers needed immediate payment.
Solution
Yubank paid the full amount at shipment. The buyer paid us in 45 days. Recourse on the buyer.
$54,000
paid at shipment
45 days
buyer deferral
0%
exporter risk
How it works
01
Tell us about the deal
We'll ask all the necessary questions
02
Send documents
Founding documents, invoices, contracts, reports, statements
03
AI agent calculates terms
Initial interest rate calculation — unique for each case
04
Risk manager review
Double-checks and contacts you within 24 hours
05
Receive funds
Sign the agreement online and receive financing
Yubank vs. Traditional bank
Banks look at you. We look at the deal.
Yubank
Traditional bank
Approval time
24–72 hours
2–6 weeks
Collateral
Not required
Required
Min. company age
From 6 months
From 2–3 years
Rate based on
Buyer quality
Your credit history
Process
Fully online
Office, papers, stamps
Cross-border deals
Core focus
Limited or unavailable
Non-payment risk
Non-recourse
Risk stays with you
Hidden fees
None
Conversion, SWIFT, maintenance
* Terms are individual and depend on the deal, buyer and country. Bank data represents Central Asian market averages.
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