Financing

We help roasters access the coffees they want—without delays.

Our financing solutions are flexible, simple, and built for the coffee trade.

Coffee Purchase Financing

Spread cash flow with tailored financing structures.

  • Available for coffee already in Europe or at the producing country
  • Pairs naturally with our container import logistics
  • Clear costs and documentation at each step

Structured Payment Plans

Align repayments with your roasting and sales cycles.

  • Schedules designed around monthly volumes and releases
  • Options to match warehouse releases and deliveries
  • Transparent terms and timing

Trade Credit Solutions

Secure your supply while protecting liquidity.

  • Credit limits tailored to your buying pattern
  • Supports repeat purchases across the season
  • Simple renewals and periodic reviews

We can finance

  • Coffee already in Europe — from our own stock or from other importers
  • Coffee at the producing country — combined with our container import logistics

How it works

  • Financing inquiry: Tell us the coffees, volumes, and timing.
  • Credit approval: We review your balance sheet and set a limit/structure.
  • Contract confirmation: We agree terms, fees, and repayment schedule.
  • Shipment or storage: Coffee moves from the producing country or is placed in warehouse; financed stock may be pledged as collateral.
  • Release & delivery: Coffee is released per agreed conditions, for pick-up or direct delivery.
  • Repayment cycle: You repay in line with roasting and sales; we share inventory and balance updates.

All structures are subject to credit approval and standard security/collateral arrangements.

What we need to approve

  • Recent balance sheet and basic company info (KYC)
  • Planned volumes and timing (purchase plan)
  • For stock-in-Europe financing: inventory details and warehouse location
  • For producing country purchases: purchase contracts or offer details

Security & release conditions

  • Retention of title / pledge: Financed stock may be pledged until repayment milestones are met.
  • Warehouse receipts & controls: Pledged stock is tracked and not released without authorization.
  • Partial releases: We can enable staged releases against staged repayment, when applicable.
  • Insurance: Coverage is maintained from shipment through storage and delivery.

We keep you updated with combined inventory + financing reports and clear release confirmations.

Get started: Send us your balance sheet, and we’ll begin the approval process.

Contact us to apply

Prefer email? Send documents via your usual Sapere contact or the contact form.

Ready to finance your coffee?

Share your planned volumes, timing, and preferred structure and we’ll propose terms that match your roasting and sales cycles.

Start financing