Ebury business loan review: Rates & eligibility

Ebury sits in an unusual place in the business finance landscape. It isn’t a traditional lender, and it isn’t simply a payments platform. It’s a global trade engine, a company built to help businesses operate across borders with the same ease they expect from domestic banking.

That makes Ebury’s financing tools feel different from what most SMEs picture when they hear the word “loan.” The company’s lending sits alongside international payments, currency accounts, FX risk management, and large-scale mass-payment infrastructure, which means funding is just one part of a much larger ecosystem.

For businesses that buy, sell, or operate internationally, that ecosystem can be a strategic advantage. Ebury’s financing is designed to work in lockstep with global cash flow, not replace it. Below, you’ll find a detailed breakdown of how Ebury’s facilities work, who qualifies, and how the application process compares to other lenders.

An overview of Ebury business loans

Ebury’s lending revolves around Supplier Payment Finance, a form of trade finance that helps businesses cover the cost of international goods and services. Unlike lenders that offer a wide mix of term loans and credit facilities, Ebury builds its funding around one very specific pain point: SMEs often need to pay suppliers long before revenue comes in.

The result is a product that feels more like a working capital tool than a traditional business loan.

Unsecured business loans

Ebury’s Supplier Payment Finance is fully unsecured, meaning the company does not take collateral over your goods or assets. Instead, funding is based on:

Revenue performance
Trading history
Net worth
Submitted financial statements

You send Ebury your supplier invoice, and Ebury pays that supplier directly in any supported currency. You then repay Ebury up to 150 days later, in your domestic currency. The structure is built to smooth cash-flow cycles without requiring assets, personal property, or inventory as security.

Ebury does note that in rare cases it may request a personal or cross-company guarantee, but the product is fundamentally unsecured by design.

Secured business loans

Ebury does not appear to offer traditional secured loans based on equipment, real estate, or other tangible assets. Its lending model relies on credit analysis rather than collateral. Any mention of security is limited to occasional guarantees, not asset-backed lending.

Growth Guarantee Scheme

Based on the information we gathered, Ebury does not appear to advertise a Growth Guarantee Scheme or an equivalent government-backed lending program.

Additional funding products

Where Ebury stands out is in everything wrapped around its lending. Its broader ecosystem includes:

International payments and collections across over 130 currencies
Local currency accounts in your business’s name
FX risk management, including forwards, options, and hedging strategies
Mass payments, with 99.9% on-time delivery across more than 160 countries
Supplier Payment Finance, offering extended payment terms without collateral

These tools allow businesses to centralise global operations (pay suppliers, hedge risk, receive international revenue, and finance purchases) all from one platform. For SMEs with global supply chains, that cohesion can be more valuable than a standalone loan.

What is Ebury's typical interest rate

Ebury does not publish a fixed “interest rate” in the conventional sense. Instead, Supplier Payment Finance charges interest on a per-30-day basis, applied daily after a minimum 30-day period.

The exact cost varies by assessment. The only explicit example provided is:

£100,000 financed
1% per 30 days
Repaid after 150 days = total repayment £105,000
Repaid after 60 days = total repayment £102,000

*This is illustrative only, not indicative of a guaranteed rate.

For FX products such as forward contracts and hedging tools, Ebury charges no upfront fees but earns via spreads or facility costs, depending on the product type and jurisdiction.

How much can I borrow with an Ebury business loan?

Ebury does not publicly publish minimum or maximum borrowing limits for Supplier Payment Finance. Instead, credit availability depends on:

Annual revenue
Net worth
Trading history
Submitted financials

The company does state minimum eligibility requirements, but not a firm upper limit. Given Ebury’s scale — 21,000+ clients, 1.6M+ payments, operations in 29 markets — the facility size is likely tailored to the business rather than fixed by product category.

If exact borrowing limits matter for planning, a direct conversation with Ebury will be your best bet.

What is the acceptance rate for an Ebury business loan?

Ebury does not publish an approval or acceptance rate. Most trade finance providers make decisions based on cash flow, financial stability, and supplier profiles rather than credit score alone, but no specific probability or benchmark is disclosed.

Eligibility criteria and whether you qualify

Ebury’s Supplier Payment Finance requires a business to meet several tangible thresholds:

At least £1M annual revenue
£100,000 tangible net worth
At least two years of healthy trading history

These are clear, quantitative markers, and more transparent than what many lenders provide. The criteria lean toward established SMEs rather than early-stage founders or pre-revenue businesses.

Beyond these benchmarks, Ebury also considers:

Up-to-date management accounts
Aged debtor and creditor lists
Consistency of revenue
Supplier relationships and invoice patterns

Since the product is unsecured, financial discipline and stable performance are key indicators.

Additional information

Let’s round up operational details that often influence a business’s decision long before pricing does.

Early repayment fees

Ebury does not list any penalties for early repayment. Because interest accrues daily after the minimum 30-day period, repaying earlier simply reduces total cost, as shown in the examples above. There is no reference to added fees for settling ahead of schedule.

How long does it take to get approved?

Ebury states:

Once all required documentation is submitted, setup can take up to two weeks.
The company works to expedite this timeline when possible.

This is slower than automated fintech approvals but standard for unsecured trade finance, especially when credit analysis replaces collateral.

Estimated time to receive funds

Once the facility is approved:

You forward your supplier invoice
Ebury pays the supplier directly in the required currency

There is no publicly stated turnaround time between invoice submission and supplier payment, but the product is designed for speed in international transactions. In practice, supplier disbursement happens quickly because this is the core purpose of the facility.

Can a loan be repaid early?

Yes. And repayment flexibility is one of the advantages of the product.

If you repay earlier than the full 150-day window, your cost adjusts downward because interest is calculated daily. There are no penalties mentioned for paying ahead of schedule.

Is security required?

For almost all customers:

No collateral is required
No title over goods is taken
No security is demanded up front

Ebury may, in rare cases, request a personal or cross-company guarantee. But the product is structured as an unsecured facility.

What documentation is required

Ebury’s documentation requirements are more robust than fast-turnaround lenders but common for trade finance.

Business information

You’ll need to provide:

Two years of full accounts
Monthly or quarterly management accounts for the last 12 months
Aged debtor and creditor lists
Evidence of healthy trading
Revenue and net worth confirmation

Since Ebury funds supplier invoices directly, the company may also request documentation related to supply chains or trading partners.

Business owner information

Ebury’s webpage does not list personal financial requirements or identity documentation for owners. Most regulated finance providers require KYC/AML checks at minimum, but Ebury does not specify upfront.

Funding requirement

To initiate a transaction under the facility:

Your supplier issues an invoice
You forward that invoice to Ebury
Ebury pays the supplier in their local currency
You repay Ebury in your domestic currency within the agreed window

Because this is invoice-backed financing rather than a cash advance, the “funding requirement” is the underlying supplier invoice itself.

How to apply for an Ebury business loan

The application is straightforward but documentation-heavy. You submit financials, meet eligibility thresholds, and Ebury completes its credit assessment.

Once approved, you gain access to a flexible credit line rather than a one-off loan.

Is the application process different to other lenders?

Yes. Most lenders ask for bank statements and credit scores. Ebury evaluates:

Trading history
Full sets of accounts
Supplier activity
Global currency exposure
Invoice cycles
Risk tolerance
Revenue consistency

The credit analysis is closer to traditional trade finance than to revenue-based lending or term loans. That reflects Ebury’s role as a partner in international payments, not just a capital provider.

How to improve your chances of getting funded

Based on Ebury’s criteria, the strongest applicants will:

Maintain clear, up-to-date accounting records
Show steady year-over-year trading performance
Demonstrate healthy net worth
Operate with consistent supplier patterns
Provide management accounts promptly
Show reliable debtor behaviour

Because Ebury’s facility is unsecured, financial hygiene carries more weight than collateral.

Pros & cons of an Ebury business loan

Before choosing a lender, it helps to see the trade-offs clearly. Ebury’s model works extremely well for certain types of businesses, and not at all for others.

Pros

Ebury offers several meaningful advantages:

Unsecured funding — no collateral and no title over goods
Up to 150-day repayment to match international trade cycles
Supplier payments in any currency, with repayment in your own
Long-term FX expertise supporting risk management
Integrated ecosystem (payments, accounts, FX, financing)
Improved supplier relationships through earlier payments
No upfront or subscription fees to open an account
Competitive FX rates via access to 15+ liquidity providers
Mass payment infrastructure with 99.9% on-time delivery

The combination of financing plus cross-border operations is where Ebury stands out.

Cons

Some limitations are worth noting:

Requires £1M or more in revenue, excluding smaller SMEs
Two-year trading history required, not suitable for early-stage firms
Approval can take up to two weeks, slower than fintech lenders
Interest rates are not published, making comparison harder
Documentation requirements are extensive
Facility amount not disclosed publicly, requiring manual consultation

Ebury is built for established businesses, not startups looking for quick cash.

Alternative funding options for different lenders

If Ebury’s model doesn’t quite fit, other lenders may offer:

Term loans
Revenue-based financing
Invoice factoring
Merchant cash advances
Working capital loans
Equipment finance

Each comes with different eligibility criteria, cost structures, and funding speeds. Businesses that don’t meet Ebury’s revenue or trading history requirements may find broader options through a marketplace like Swoop.

Why use a finance broker?

A broker doesn’t just compare rates, it helps you understand which products match your business model. With Ebury, that matters. Supplier Payment Finance is powerful but specialised. A broker can help determine whether trade finance, revenue-based funding, or a traditional loan gives you the most flexibility, the lowest cost, or the best fit for your cash-flow cycle.

Platforms like Swoop simplify this process by showing multiple lenders, criteria, and potential offers in one place.

Get started with Swoop's business funding platform

If you’re exploring Ebury as a potential partner or want to compare its facility with traditional lenders, fintech platforms, or SBA products, Swoop gives you a clean path forward. One application lets you review multiple funding options, assess eligibility, and understand which structure best supports your next stage of growth.

Apply with Swoop today to compare Ebury’s trade finance solution against a full market of business funding offers and choose the option that supports your global ambitions.

Ebury business loan review: Interest rates, eligibility, and the application process