How we compare

Different by structure, not by discount.

Most funding puts cash in your account and takes security over your business. Jinport does neither. We defer your payment on the goods themselves: the factory is paid 100% upfront, you pay a 20% deposit, and the balance settles 60 to 90 days later on your trade credit line. Here is how that sits against paying the factory yourself and the usual funding alternatives.

Category
Jinport
Paying the factory direct
Bank trade finance
Invoice finance
Revenue based advances
What it actually is
Deferred payment on the goods themselves. The factory is paid 100% upfront and you settle the balance later.
The standard route. You pay the Chinese factory yourself, typically a 30% deposit with the balance before shipment.
A credit facility from your bank, usually letters of credit and import loans drawn against the facility.
An advance against invoices you have already issued to your customers, repaid when they pay.
A cash advance against your future sales, repaid as a share of daily or weekly revenue.
What you pay
A flat 4.5% service fee per order, the same on every order, known before you commit. No interest, no line fees.
No financing cost, but all of your own cash, out weeks before the goods even sail.
Interest on the drawn balance, commonly 6% to 10% per annum, plus letter of credit, establishment and line fees.
Commonly 1% to 5% per 30 days, so a 60 to 90 day term typically costs a multiple of that, plus service fees.
A fixed fee, commonly 6% to 12% of the advance, priced per offer after underwriting your data.
Security and guarantees
The 20% deposit is your only upfront commitment. No property security, no personal guarantee, nothing registered.
None, but your own capital carries all of the risk from deposit to delivery.
Commonly a general security agreement, director guarantees, and sometimes property security.
A registered charge over your receivables is standard, and guarantees are common.
Registrations over the business and revenue sweep arrangements are common, sometimes with exclusivity.
Debit authority over your bank account
No. You pay the deposit and balance on the dates shown on each order.
No.
No day to day debit authority. Repayments follow the facility schedule.
Common. Repayments are typically collected by direct debit instalments.
Yes, daily or weekly, or repayments are intercepted before your sales even reach you.
Data access required
No. A document based credit application, decided in 5 to 10 working days.
None.
Full financial statements, with ongoing reporting covenants.
Your invoices, and commonly a connection to your accounting software.
Store, advertising, bank or processing data connected for underwriting each offer.
When you can use it
Before production starts. Your deposit confirms the order and the factory is paid the same day.
Whenever you have the cash. Every order locks up working capital until the goods are sold through.
After the facility is established, which can take weeks and needs an established trading history.
Only after you have shipped and invoiced a customer. It cannot pay your supplier upfront.
After a qualifying sales history, and the cash arrives before you have chosen what to buy with it.
How you settle
20% deposit at checkout, then the 80% balance within 60 days of port arrival on CIF or within 90 days of goods ready on Ex Works.
Cash upfront. Typically 30% at order and the remaining 70% before the goods ship.
Revolving interest until repaid, on the bank's terms and review cycle.
Typically 30 to 90 days, when your customer pays the invoice or by direct debit instalments.
Daily or weekly deductions from revenue until the advance and fee are repaid.
Effect on other funding
Your other financing stays untouched. With nothing registered over the business, other lenders stay available.
Nothing registered, but the cash drain is exactly what pushes buyers into the other columns.
Facility covenants and security can limit what other funding you can take on.
The charge over receivables can conflict with other lenders who want the same security.
Registrations and exclusivity clauses can block or complicate other funding.

Figures for other categories are indicative market ranges only, drawn from publicly available information in August 2026. Individual providers vary and set their own terms. This page is general information, not financial advice, and is not a comparison with any specific provider.

The structural difference

No cash advance. No security. Just supply terms.

Cash based products lend you money and recover it from your revenue or your receivables, which is why they need security, registrations and guarantees. Jinport never puts cash in your account. Your factory is paid in full upfront and your payment on the goods is deferred, so there is nothing to secure against your wider business, and your access to every other form of finance stays exactly as it was.

Funds the goods, not the gap

The trade credit line pays your factory before production. Invoice finance can only fund invoices you have already issued.

One flat fee

4.5% per order, shown before you confirm. No interest meter, no line fees, no surprises.

Nothing registered

No security, no personal guarantee, no debit authority over your bank account, and no registration sitting over your business.

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