Import financing
Align import payments with your cash cycle.
We map when cash goes out, what can be negotiated with the supplier and which alternatives deserve comparison by estimated total cost in Brazilian reais.
Tandom structures and coordinates. Approval, limit, rate, term and collateral depend on the applicable institution's analysis and contract.
Cash gap
See where cash is tied up before the cargo creates value.
The operation calendar shows which outflows happen before delivery and which leg may make sense to finance.
Supplier
Physical operation
Committed capital
Financing term
Structure design
Make three decisions in the same conversation.
Supplier payment, source of funds and FX are part of a single financial architecture.
When the supplier gets paid
Define the deposit, balance, cash discount and commercial terms.
Who funds each leg
Compare the company, supplier, bank or another applicable financier.
How to handle FX
Align currency, closing dates and exposure protection.
One joint decision
Define financing and the import model before issuing the order.
Direct, on-behalf-of and predetermined-order imports change who buys, pays, borrows and issues the receivable. The operating model alone does not determine whether financing exists.
Direct importYour company buys, imports and defines how to fund the operation.
On-behalf-of importYour company is the actual buyer; the financing structure must reflect the operation's roles and flows.
Predetermined-order importThe importer buys and resells; payment, credit and receivables follow that relationship.
Possible routes
Compare structures, not isolated rates.
Put term, currency, collateral, limit and estimated cost in Brazilian reais on the same basis. The answer may be not to finance.
| Alternative | What changes | What to compare |
|---|---|---|
| Own cashNo credit | What changesAvoids interest and consumes liquidity. | What to compareOpportunity cost and operating reserve. |
| Supplier termsTrade credit | What changesDefers part of the purchase payment. | What to compareCash discount, embedded interest, currency and maturity. |
| FINIMPBank facility | What changesFunds the import subject to the product and institution. | What to compareLimit, term, currency, collateral and total cost. |
| Letter of creditDocumentary undertaking | What changesStructures documentary security for payment. | What to compareCosts, documents, discrepancies and any separate financing. |
| Cargo or receivableLinked structure | What changesMay support the analysis or collateral package. | What to compareAsset eligibility, control, coverage and term. |
| Working capitalGeneral purpose | What changesFunds cash needs without relying only on the cargo. | What to compareThe same term, currency, collateral and effective cost. |
Availability, approval, limit, rate, term and collateral depend on the company, transaction and applicable institution. Total cost in Brazilian reais is always estimated using stated assumptions and a reference date.
Decision package
Receive a financial recommendation, not a list of products.
Tandom builds the calendar, organizes comparable alternatives and coordinates the selected route when applicable.
- Cash calendar
- Map of alternatives
- Estimated total cost
- Assumptions and documents
- Recommendation and next steps
- Contracting coordination
Clear roles
Choose the structure with clarity about who decides.
The recommendation organizes the decision. Credit and FX remain subject to the applicable institutions' analyses and contracts.
Tandom structures.
Maps the cycle, compares proposals and coordinates the selected execution path.
Your company chooses.
Approves assumptions, the alternative, obligations and contracting.
The institution analyzes.
Defines approval, limit, pricing, term, collateral and contract.
When it fits
Evaluate a defined import, not generic credit.
The analysis starts when there is a supplier, value, schedule and a meaningful gap between outflows and use or sale of the goods.
Best fit
- Known supplier and commercial terms
- Estimated production and delivery schedule
- A need to preserve cash or compare terms
Not the best starting point
- A search for a credit line without a defined import
- An expectation of guaranteed approval or rate
- An operation without minimum data on value, currency and timing
Next import
Start with the real calendar of your purchase.
We map the outflows and identify which alternatives are worth comparing on the same basis.
If you already have this information, it helps. You do not need to prepare it before the first conversation:
- value, currency and supplier
- deposit, balance and proposed terms
- production, shipment and arrival dates
- import operating model, if already defined
You can start by simply explaining the context.
You do not need to define the solution or prepare files before the first conversation.
Start a conversation No commitment. You decide whether there is a useful next step.