UPS Capital Cargo FinanceSM

UPS Capital Cargo FinanceSM lets you use your in-transit inventory as collateral to obtain working capital for your business. So you don’t need to wait weeks or months to convert your inventory into the cash you need to run and grow your business.

If your business sources or manufactures inventory outside the U.S., you know it can take a toll on cash flow. And traditional business lenders typically do not advance funds against inventory that’s not within U.S. borders.

But with a UPS Capital Cargo FinanceSM loan you can finance up to 100% of your in-transit inventory. So the cash you need isn’t tied up in your supply chain. Contact us today to apply.

Eligibility Requirements

You may qualify for a UPS Capital Cargo FinanceSM loan if your business:

  • Is U.S.-based
  • Imports at least one shipment of finished goods per month
  • Has at least $1 million in annual revenue
  • Has been trading internationally for at least two years
  • Has a good payment history with trade creditors
  • Transports the goods to be collateralized within the UPS network
UPS Capital Cargo FinanceSM loan features:
  • Finance your in-transit inventory
  • Terms up to 60 days
  • Funds issued when your inventory is loaded in an ocean or air freight container and a negotiable bill of lading is issued by UPS
  • Inventory moves within the highly secure, reliable and efficient UPS network
  • UPS customs brokerage services expedite customs clearance
Benefits to your business:
  • Access funds earlier in your supply chain
  • Lower your cost of goods
  • Reduce or eliminate the need for letters of credit
  • Increase inventory orders, potential sales volume
  • Improve supplier relationships
  • Gain supply chain efficiencies
  • Get best-in-class logistics services

All extensions of credit are subject to credit approval by UPS Capital Corporation and applicable laws and regulations. Products may not be available in all areas. UPS Capital Corporation loans are made in California pursuant to a Department of Corporations California Finance Lenders license.

Contact Us

Let a representative from UPS Capital explain how UPS Capital Cargo FinanceSM can help your business, or answer any questions you may have.

Contact Us

Or call 1-877-263-8772 8am-8pm Eastern.

Customer Support Information

Frequently Asked Questions
Q: How do I book a shipment?
A: Notify your supplier that their next shipment will be transported by UPS Supply Chain Solutions (UPS SCS). Your supplier must then contact the UPS SCS Origin office and make an ocean or air booking request.
Q: When can I request a loan advance?
A: You can submit funding requests at any time. UPS Capital may in its discretion elect to honor or decline any funding request.
Q: What can be financed?
A: Advances are made based on the invoice price of eligible inventory. Eligible inventory must be:
  1. Finished goods purchased from a foreign vendor approved by UPS Capital
  2. In good, new and saleable condition
  3. Owned by your company free and clear of any vendor liens
  4. Imported using UPS or UPS SCS services
Q: How does the funding process work?
A: Advances are disbursed to you upon UPS Capital's receipt and approval of the following items, in each case prior to the inventory arriving in the U.S.:
  1. A bill of lading or waybill issued by UPS or SCS that names your company as the "consignee"
  2. A signed funding request letter your company’s letterhead and signed by an authorized officer
  3. A copy of the commercial invoice from the vendor
  4. Proof of your payment to the vendor of the commercial invoice in full, consisting of either
    1. A copy of the wire transfer showing payment to the vendor; or
    2. A confirmation letter from the vendor
Q: How soon will I receive my funds?
A: Typically, funds are disbursed no later than the first business day following UPS Capital’s review and approval of a complete funding request package.
Q: When must each loan advance be repaid?
A: Each advance is due and payable 60 days after the date of the bill of lading or waybill relating to the financed shipment (or, if sooner, 60 days after the date that UPS Capital makes such advance).
Q: Will I receive an invoice for each loan advance?
A: Yes, an invoice for each loan advance will be created and forwarded to you prior to the due date of that advance.
Q: How much does the financing cost?
A: The costs depend on the exact details of your loan. All financial terms will be included in the final, written loan documentation that is approved and signed by your company and UPS Capital.
Q: Who do I contact?
A: Please call your UPS Capital Cargo Finance Team at 1-888-812-5696 or email cfoperations@ups.com if you have any questions.
Related Products and Links

UPS Capital Cargo Finance brochure

UPS Capital Cargo Finance loan application


Standard Terms and Procedures for UPS Capital Cargo Finance Transactions

Get a revolving credit line using your in-transit and foreign warehoused inventory:
Global Asset-Based Lending
Extend credit to foreign buyers:
Export Credit Agency Financing
Export Working Capital Line of Credit
Get cash for your receivables:
UPS Capital Merchant Services