Small and medium-sized companies, exporting goods overseas, typically wait for payment for 30-120 days (a normal rule in international trade, called ‘deferred payment’). Stenn offers immediate coverage of that debt – by transferring the money to the exporter now and collecting money from the buyer at a certain time. So, the exporter gets the cash as soon as the good is shipped and is protected from a possible non-payment. The cost of that financing is usually 1.2% - 2.7% of the invoice value. This is not a big price for unfreezing the turnover money and receiving non-payment protection and insurance. It is faster than a bank (48 hours) and better than a credit (no influence on banking credit history).