Global Banking for Apparel Brands and Manufacturers
Pay mills, factories, and freight partners in local currency — same-day, at wholesale rates — while collecting from every market you sell into.
The money leaves a long time before it comes back.
An apparel business runs two currencies problems at once, in opposite directions, on different clocks. Most banking stacks are built for one of them.
You commit before you sell
Fabric is booked, capacity is reserved, and deposits are paid months before the first unit reaches a customer. The cash leaves in one currency and comes back, much later, in several others.
Capacity goes to whoever pays on time
A factory running three brands prioritises the one whose money arrives when promised. Payment reliability is not a finance detail here — it is how you hold your place in the queue.
The season does not move
A drop that lands three weeks late is discounted, not delayed. Every day a payment spends in a correspondent chain is a day of production you do not get back.
Nobody quoted you the spread
Between the market you sell in and the market you source from, the conversion happens at least twice, at a rate set by somebody else and disclosed after the fact.
Collect where you sell. Pay where you make.
What you collect
Revenue arrives from wholesale accounts, marketplaces, and your own storefront, in whatever currency each market buys in.
- Named local accounts in 30+ currencies
- Hold without forced conversion
- Earn up to 4% on balances between seasons
- One view across every market
What you source
Mills, cut-and-sew factories, trim suppliers, and freight partners — each expecting their own currency, on their own terms.
- Same-day payment in local currency
- $100K–$10M production runs at one rate
- Coverage across South and Southeast Asia
- Proof of payment your supplier can see
We were paying our Vietnam factories through three different banks and finding out about a failed transfer a week after it happened.
Most of a sourcing finance stack is there because nothing better existed.
A separate relationship, a separate call, and a spread you negotiate once a year.
Different portals, different cut-offs, different documentation for the same payment.
The one somebody rebuilds every season to work out which factory has actually been paid.
Calling a correspondent bank to ask where a wire is, four days after sending it.
Terms you accepted because you could not prove you would pay reliably.
Finding out what conversion cost you when the numbers are already closed.