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Receivables financing facility enables competitive open account terms and supports international growth

SHANGHAI, CHINA – Media OutReach Newswire – 21 April 2026 – Tradewind Finance has provided a USD 2.5 million non-recourse export factoring facility to a cable manufacturer based in Vietnam. The facility, structured by Tradewind’s Shanghai office, converts export receivables into immediate liquidity and provides credit protection on buyers in the United States and Australia.

With this structure in place, the exporter maintains 90-day open account terms for its international buyers without placing pressure on working capital.

How Longer Payment Terms Strained a Manufacturer’s Liquidity

The client is a cable manufacturer with over 30 years of operating history in Vietnam. For most of that period, the company relied on advance payments and letters of credit to manage its export transactions.

As competition in global cable supply increased, buyers began requiring open account terms as a condition of continued business. The exporter transitioned accordingly, but the shift created a significant gap between production costs and the moment of payment collection.

The company had export credit insurance in place, which provided partial protection against buyer default. However, the residual risk exposure of 10 to 20 percent remained uncovered, and the insurance did not address the working capital shortfall that came with extended payment cycles. Despite a strong order book and established buyer relationships, the exporter’s cash position was under pressure.

How the Facility Works: Converting Receivables into Working Capital

Tradewind structured a non-recourse export factoring facility aligned with the client’s trade flows to the United States and Australia. The facility operates as follows:

• Advance funding: Tradewind advances up to 90 percent of each invoice value shortly after shipment, converting receivables into available cash.
• Credit protection: Because the facility is non-recourse, Tradewind assumes the buyer credit risk. By leveraging this structure, the exporter benefits from 100% credit protection against buyer default or insolvency.
• Collections management: Tradewind manages the receivables administration and collection process, reducing the operational burden on the exporter’s finance team.

This structure replaces the partial protection previously offered by export credit insurance with a more comprehensive solution that covers both the financing gap and the full buyer credit risk on approved receivables.

What This Means for the Exporter

With the facility in place, the exporter can offer 90-day payment terms to its buyers without absorbing the cash flow impact internally. Production cycles are no longer constrained by the timing of buyer payments, and the company has a predictable source of liquidity tied directly to its shipment activity.

The non-recourse structure also removes a layer of financial uncertainty. Rather than relying on insurance with residual exposure, the exporter now operates with full credit coverage on approved buyers through Tradewind’s facility.

Why Tradewind Was Selected

Tradewind was selected for its ability to structure receivables financing solutions for cross-border trade flows involving multiple buyer markets. Key factors in the decision included:

• Over 25 years of experience in international trade finance, with particular depth in export factoring across Asia, the Americas, and Europe
• Local structuring capability through Tradewind’s Shanghai office, with direct knowledge of Vietnamese export markets
• A financing structure tailored to the client’s specific trade corridors and buyer payment terms
• Consistent execution and clear communication throughout the onboarding process

A Facility Built Around the Client’s Trade Flows

“This facility gives the client a reliable source of working capital tied directly to its export activity,” said Chris Chang, Regional Commercial Director, Far East at Tradewind Shanghai. “By structuring the solution around their specific trade flows to the United States and Australia, we were able to address both the financing gap and the credit risk exposure in a single facility.”

Facing Similar Pressure from Extended Buyer Payment Terms?

Tradewind structures receivables financing solutions for exporters managing cash flow across international trade corridors. Whether you are dealing with longer payment cycles, buyer credit risk, or the operational complexity of cross-border collections, we can help you find the right structure for your situation.

Contact us at www.tradewindfinance.com to discuss how a tailored trade finance solution can support your export business.Hashtag: #Tradewind #TradewindFinance #Cable #Vietnam #Factoring #Manufacturing

https://tradewindfinance.com/
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About Tradewind Finance

Founded in 2000, Tradewind Finance is a global trade finance company specialising in cross-border receivables financing, export factoring, supply chain finance, and credit protection. Tradewind maintains a network of offices across Bangladesh, Bulgaria, China, Hong Kong SAR, Hungary, India, Pakistan, Turkey, the United Arab Emirates, and the United States, alongside its headquarters in Germany. By combining financing, credit protection, and collections into a single integrated solution, Tradewind helps exporters and importers manage working capital, reduce risk, and grow their international trade with confidence.

The collaboration combines Paymentology’s cloud-first processing platform with Change Financial’s local BIN sponsorship, regulatory expertise and in-market presence – enabling fintechs, digital banks and programme managers to launch and scale debit, credit and prepaid programmes more efficiently in the Australian market.

Change Financial is a Mastercard Principal Issuer in Australia, providing local scheme connectivity and compliance support. Together with Paymentology’s real-time, multi-cloud processing infrastructure, the partnership creates a streamlined pathway for fintechs looking to enter or expand in the country.

Australia represents one of the world’s most advanced digital payments markets. The national payments market was valued at USD 849.1 billion in 2025 and is projected to reach USD 1.35 trillion by 2034, growing at a CAGR of 5.09% between 2026 and 2034. Cards and mobile wallets now sit at the centre of everyday transactions, as digital adoption continues to accelerate. Australians made approximately AUD 160 billion in mobile wallet payments in the past year alone, with billions of transactions recorded annually, highlighting strong demand for digital-first, contactless and mobile-enabled payment experiences.

Minh Ha Truong, Head of Growth Asia Pacific at Paymentology commented: “Australia is one of the most sophisticated payments ecosystems globally, with strong consumer adoption of digital, contactless and mobile-first experiences. By partnering with Change Financial, we’re combining next-generation issuing infrastructure with trusted local BIN sponsorship and expertise, unlocking faster payment method adoption for fintechs and helping them scale confidently in the Australian market.”

Change Financial brings deep experience supporting fintechs and financial institutions through local sponsorship, scheme relationships and programme enablement.

Jennifer Mateer, Chief Commercial Officer at Change Financial added: “We collaborate closely with fintechs and programme managers every day to launch innovative payment solutions with speed and confidence. Our partnership with Paymentology combines our local market expertise with global-scale issuing infrastructure, enabling innovators to accelerate time to market and deliver compelling card payment experiences to Australian consumers and businesses.”

Hashtag: #Paymentology #Fintech

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About Paymentology

Paymentology is the leading next-generation issuer processor, empowering fintechs, digital banks and retail banks to effortlessly launch and manage innovative payment solutions on a global scale. The company drives greater customer choice and value through easy-to-use, integrated platforms and services that help clients to disrupt the status quo, accelerate time to market, and achieve growth.

With a superior multi-cloud platform offering a vast global footprint, and enhanced real-time data, Paymentology distinguishes itself as a leader in the payments industry. Its team of payments experts, with deep local market knowledge, operates across 50 countries and 14 time zones, providing 24/7 support. Paymentology is deeply committed to expanding financial inclusion globally, changing lives and positively impacting the communities in which it operates.

For more information, visit https://www.Paymentology.com.

By Nantoo Banerjee Pakistan may be right that peace in Lebanon is essential for talks between the US and Iran. But, the key question is: will Iran’s theological regime ever ask its terror sponsor, Hezbollah, to go soft on Israel which lately launched massive waves of airstrikes across southern Lebanon, hitting over 200 Hezbollah targets, […]

The article Pakistan’s Back-Channel US-Iran Peace Negotiation May Not Work appeared first on Latest India news, analysis and reports on Newspack by India Press Agency).

This year’s ESG Achievement Awards are centred around the theme “Shaping a Resilient Future Through People and ESG,” placing a strong emphasis on ESG education and human capital development. In today’s fast-evolving landscape, organisations are increasingly recognising that sustainable success depends not only on strategy, but on equipping people with the right skills, capabilities, and mindset. This year, entrants are invited to showcase how they embed ESG into their culture, invest in talent development, and foster accountability and employee engagement in ESG across all levels of the organisation.

In addition to continuing to recognise holistic ESG excellence across environmental stewardship, social responsibility, and governance, the Awards introduce new award that reflect evolving market priorities. And the newly launched Outstanding Women Empowerment Awards will celebrate organisations that drive measurable progress in gender equality, workplace inclusion, and leadership representation.

Mr Paul Pong, Co-Founder of IESGB, highlighted the significance of this year’s theme, stating, “As ESG continues to mature, we are seeing that resilience is built not only through strategy, but through people who understand how to turn ESG principles into action. This year’s Awards are designed to recognise organisations that are investing in human capital, reinforcing ESG ownership, and embedding sustainability into the way they work every day.”

Mr Vincent Pang, Chairman of the Jury Panel, shared his perspective, saying,”What truly distinguishes the strongest entries is not just ambition, but tangible evidence — measurable progress, genuine execution, and long-term impact. Under this year’s theme ‘Shaping a Resilient Future Through People and ESG,’ we are especially looking for organisations that embed ESG into their culture, invest in human capital development and ESG education, and drive meaningful inclusion and women’s empowerment.”

The Awards will continue to honour excellence across a comprehensive range of categories, covering corporate ESG performance, innovative projects, sustainable vision, talent development, and individual leadership. With a distinguished and diverse jury panel comprising experts from academia, finance, corporate governance, and sustainability, submissions will be evaluated based on impact, innovation, transparency, and alignment with ESG principles. Winners of the ESG Achievement Awards 2025/2026 will be celebrated at the prestigious Awards Ceremony Luncheon, scheduled for September 2026. The Awards continue to serve as a leading platform for knowledge exchange, peer learning, and recognition of best practices that contribute to a more sustainable and resilient economy.

Award Categories

Key Dates (Subject to change)

Jury Panel (in alphabetical order of last name)

Hashtag: #IESGB

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IESGB

The Institute of ESG & Benchmark (IESGB) is a non-profit organization founded in 2020, dedicated to advancing environmental, social, and governance (ESG) practices in Hong Kong and beyond. Through professional training, certification, and industry collaboration, IESGB promotes ESG education and fosters the development of a robust and sustainable ecosystem that drives long-term value and positive impact.

According to statistics from the China General Administration of Customs, emerging markets in Asia, Africa, and Latin America have become a key driver of export growth. However, underdeveloped local financial infrastructure, incomplete cross-border payment systems, and shortages of foreign exchange mean buyers often struggle to access U.S. dollars. As a result, exporters in these markets frequently face low settlement efficiency, slow cash recovery, and risks such as account freezes.

To address these collection challenges, XTransfer has developed a comprehensive set of cross-border collection solutions. In 2025, payment collections from emerging markets in Asia, Africa, and Latin America rose 106% year-on-year. By region, collections increased 273% in Africa, 82% in Southeast Asia, and 94% in Latin America.

Over the same period, customs statistics show that in 2025, China’s total goods exports to Asia, Africa, and Latin America increased 14.6% year-on-year, with exports to Africa, Southeast Asia, and Latin America up 26.6%, 14%, and 8%, respectively. XTransfer’s significantly faster growth in collections compared with export growth suggests exporters are accelerating the shift from informal channels to secure, compliant collection methods, and that market recognition of high-quality cross-border payment services continues to rise.

Bill Deng, Founder and CEO of XTransfer, said emerging markets offer long-term opportunities for Chinese exporters, but many are held back by the “last mile” of collections. He added that XTransfer is committed to helping SMEs collect funds safely and quickly through secure, compliant, and efficient cross-border financial services comparable to those used by multinational companies.

Release of XTransfer PMI
At the Canton Fair, XTransfer partnered with the Yicai Research Institute to publish the “China Small and Medium Enterprises (B2B) Merchandise Export Purchasing Manager Index” (XTransfer Export PMI), offering operational guidance and decision-making reference for small and micro export-oriented businesses.

This edition draws on a sample survey of XTransfer’s 800,000 SME users, selecting over 3,000 companies nationwide. It covers the full export process across export orders, pricing, procurement, logistics, staffing, and cash flow. The report shows that the March 2026 XTransfer PMI was 51.56%, indicating export conditions for SMEs are generally improving. Despite a complex external environment, SMEs have remained resilient and steadily strengthened their pricing power in international markets. Meanwhile, demand structures in emerging markets are reshaping, with export focus shifting toward intermediate goods and higher value-added products.

Resilience Amid Geopolitical Disruptions
Customs data show that in the first quarter, China’s goods exports reached RMB 6.85 trillion, up 11.9% year-on-year, marking a strong start to the year and benefiting SMEs. The XTransfer PMI also shows expansion in the export order index (53.85) and the export price index (56.15). While seasonal factors like the Spring Festival affected the short term, the underlying “volume and price rising together” trend suggests SMEs are accelerating their shift from “low-price internal competition,” strengthening pricing power through technology upgrades and improved quality.

Geopolitical disruptions have also extended delivery times, pushing the logistics time PMI down to 37.50. In contrast, the sales collection (receivables) index rose to 68.59, showing a pattern of “goods moving slower, money returning faster”. This suggests overseas buyers remain strongly tied to China’s high-quality supply chain and are willing to raise prepayment ratios or shorten payment terms to secure capacity. One exhibitor, Mr Wang, said, “A Southeast Asian customer increased its deposit from 30% to 70% to lock in production, worried our capacity would be booked by others.“

Emerging Markets Demand Trends Toward “High-End” Upgrading
The report highlights a shift toward higher-end demand in emerging markets. Africa’s export orders index (57.55) points to rising infrastructure-related demand; Latin America’s export orders index (56.47) and price index (57.81) signal opportunities in electromechanical and optical medical equipment; and Southeast Asia is absorbing components and semi-finished goods, calling for SMEs to move from finished-goods suppliers to supply-chain partners.

As industrialisation accelerates in emerging markets, demand for high-quality intermediate goods, complete electromechanical equipment, and technical services is rising. SMEs are moving from “low-end capacity exports” to “exports of technology and supply chain support”.

The composite PMI for the “New Three” (new energy vehicles, photovoltaics, and lithium batteries) was 54.59. The “New Three” sectors continue to hold growth potential, and enterprises need to enhance profit margins by delivering differentiated value.
Hashtag: #XTransfer #PMI #Crossborder #Payment #SMEs

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The deal did not arrive in isolation. It came only weeks after KKR invested $95 million, taking the wider financing linked to that phase of fundraising to about $315 million. Lenskart said the fresh capital would support expansion of its online business and physical store network, reinforcing its strategy of building an omni-channel model rather than relying solely on digital sales. That approach helped distinguish it from many internet-first companies that were still testing how to translate app traffic into durable consumer brands.

Founded in 2010, Lenskart entered physical retail in 2013 and built its business around prescription eyeglasses, contact lenses and sunglasses, using technology tools such as virtual try-on features and a tightly managed supply chain to bring down delivery times and widen consumer choice. The 2021 fundraising gave investors another signal that eye care and vision products could support a scaled consumer business in a market where organised retail had long remained fragmented. It also underlined growing confidence that health-linked discretionary categories could attract repeat spending even outside the big metropolitan centres.

At the time, the broader market backdrop was unusually supportive. India’s start-up sector went through a record funding cycle in 2021, with Reuters later reporting that start-ups in the country raised about $35 billion that year before the market turned more difficult in 2022. Lenskart’s round therefore became part of a larger story: global investors were competing for exposure to domestic consumption, digital adoption and a new generation of companies that blended software, logistics and offline distribution. That enthusiasm also produced a wave of unicorns, richer private valuations and a heavier pipeline for later public listings.

What makes the Lenskart story more durable than a single boom-year headline is what followed. The company continued to attract capital after the 2021 round, raising another $200 million in 2024 from Temasek and Fidelity in a deal that valued it at about $5 billion, according to reports. That step-up suggested investors still saw room for growth despite the post-2021 funding reset that hit many privately held technology firms. It also showed that consumer-facing businesses with large store networks, repeat demand and clearer revenue visibility were being treated differently from cash-burning platforms built around discount-led expansion.

By 2025, Lenskart had moved into the next phase of that journey, filing for an initial public offering and seeking a valuation of nearly $8 billion at the top end of its price band. Reuters reported that the company had 2,067 stores across the country and another 656 overseas, reflecting a business that had grown well beyond its original online-only identity. That proposed public market debut placed Lenskart among a wider group of venture-backed companies testing whether private-market optimism could translate into sustained investor demand on the stock exchange.

Operationally, the business has also shown signs of maturing. Reuters reported in November 2025 that Lenskart had turned profitable in financial year 2025 and posted a 23% rise in revenue to 66.53 billion rupees. Another Reuters report in February 2026 said about 80% of its revenue came from prescription eyeglasses, while international revenue from Southeast Asia, Japan and the Middle East was rising strongly. Those figures matter because they suggest the company’s scale is now being supported not only by funding rounds and valuation jumps, but by a more established earnings and expansion profile.

While fertility discussions often centre on women, statistics show that male factors contribute to approximately 50% of all infertility cases. Male factor infertility can arise from a range of factors, including low sperm count, reduced sperm motility, abnormal sperm morphology, hormonal imbalances, genetic conditions, or underlying medical issues. Lifestyle factors such as smoking, alcohol consumption, stress, and environmental exposures may also affect sperm quality over time.

Despite its prevalence, male factor infertility is often less discussed in Singapore, which can lead to delays in assessment and treatment. Early evaluation, including semen analysis and medical consultation, can help identify potential concerns and guide appropriate next steps for couples.

To support greater awareness, Monash IVF is launching a series of digital educational content aimed at de-stigmatising male reproductive health and providing actionable insights for men to take charge of their fertility. These resources will cover common causes of male infertility, when to seek medical advice, and the types of assessments and treatment options available. By making this information more accessible, the clinic aims to encourage earlier evaluation and more open conversations about male factor infertility, both within relationships and in the wider community.

As Singapore’s demographic landscape evolves, Monash IVF Singapore is contributing to broader discussions on reproductive health. With the national Total Fertility Rate (TFR) reaching a record low of 0.87 in 2025, the need for comprehensive and patient-centred fertility care continues to grow.

Understanding Modern Fertility Challenges: Beyond Biological Factors

The decline in fertility is not merely a biological hurdle but a reflection of the intense pressures that Singaporeans face today. The “workplace rat race”, high-stress environments, and environmental factors have contributed to a trend of delayed parenthood. Many individuals are choosing to start families later due to career progression, financial considerations, and evolving life priorities. At the same time, age remains a key factor, as both egg and sperm quality may decline over time.

As such, these same pressures do not just delay parenthood; they also make it more difficult for individuals to pursue fertility treatments in Singapore. Managing appointments, coping with the physical and emotional demands of treatment, and balancing work responsibilities can become an added strain for many.

“Fertility is often treated as a private struggle, but it is a societal challenge,” says June Jonet, Marketing and Business Development Head of Monash IVF Singapore. “We are calling for greater understanding and support within the workplace. Employees undergoing fertility treatments or preservation need an environment that recognises the physical and emotional toll of this journey, rather than one that penalises them for it.”

Monash IVF’s Approach to Assisted Reproductive Care

Monash IVF Singapore’s clinical and laboratory team is led by Chief Embryologist Ng Pei Hui, supported by a team of senior embryologists and Fertility Specialists, including Dr Kelly Loi, Dr Suresh Nair, and Dr Yap Lip Kee.

The clinic applies a range of established assisted reproductive techniques to enhance success rates, tailored to individual clinical needs. These include:

• Piezo-ICSI: A fertilisation method that uses a blunt needle with high-speed vibration to gently penetrate eggs and assist sperm injection. It may be considered in cases involving fragile oocytes or advanced maternal age.
• IMSI: A technique that uses high-magnification imaging to support sperm selection, enabling embryologists to identify and avoid sperm with morphological abnormalities, such as vacuoles.
• PICSI: A method of biological sperm selection using hyaluronic acid to help identify mature sperm with a lower likelihood of DNA damage.
• Embryoscope+: A time-lapse imaging system that continuously monitors embryo development without disrupting stable culture conditions, supporting the selection of embryos with strong developmental potential for transfer.

The Power of Planning: Fertility Preservation

Alongside treatment, Monash IVF Singapore highlights the importance of proactive planning. As more women and couples choose to delay parenthood, elective egg freezing (a form of fertility preservation) has become a vital tool. At the same time, early assessment of male factor infertility, including semen analysis, can identify potential concerns and help couples prepare more confidently.

“Even with the range of treatments available today, timing still matters,” says Chief Embryologist Ng Pei Hui. “Early consultation allows patients to better understand their options and make informed decisions.”

With infertility affecting approximately 1 in 6 individuals, it is now recognised as a relatively common medical condition rather than a rare exception. This is why at Monash IVF Singapore, fertility care is not only about addressing challenges as they arise but also about supporting early planning for both men and women. With options such as elective egg freezing, male fertility assessment, and fertility health checks, the clinic aims to help Singaporeans better understand their reproductive health and make informed decisions at different stages of their journey.

For more information about Monash IVF Singapore and what they do, visit their website.
Hashtag: #MonashIVF #malefertility #mensfertility #reproductivehealth #fertilityawareness #menswellness

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About Monash IVF Singapore

Monash IVF Singapore is part of the global Monash IVF Group, a pioneer in reproductive medicine since achieving the world’s first IVF pregnancy in 1973. We provide a full suite of fertility services, combining compassionate patient care with the latest scientific breakthroughs.