Horizon Capital provides disciplined, asset-backed financing solutions supporting companies and essential commodity flows across global trade.
Discover Trade FinanceHorizon Capital provides professional investors with access to short-term trade finance opportunities linked to the real economy. Our approach combines disciplined origination, robust structuring and active oversight throughout the trade cycle.
USD 1bn+
Assets under advisory in our European Trade Finance Fund
20+
Trade Finance Strategies
70+
Active Borrowers
1100+
Number of loans financed during a year
Commodity finance, international trade and private credit.
Focused on cash flows, collateral and clearly identified repayment sources.
Supported by an established international network.
Trade finance covers the instruments and facilities that keep international trade moving — funding exporters and importers at each stage between production and final payment, while specialist lenders manage the associated risk.
A trade transaction involves a seller and a buyer, with financial intermediaries such as banks and financial institutions providing the necessary funding and risk mitigation to facilitate the exchange through instruments such as letters of credit, guarantees and supply chain financing.
Advance Payment
Transit Financing
Inventory Financing
Receivables Financing
Final Payment
Every facility is structured around the physical trade cycle, with security and tenor calibrated to the stage of the transaction being financed.
Supplier payment before delivery, while goods are being produced and before shipment.
Proceeds from the onward sale of the financed goods following production and delivery.
Financing of goods while in transit between shipment and final delivery.
Payment from the end-buyer following delivery under the agreed sale contract.
Financing of goods temporarily stored in pre-approved independent warehouses or tanks.
Proceeds from the sale of stored commodities to an approved buyer.
Financing of eligible receivables following due diligence on the end-buyer.
Settlement of the assigned receivable by the approved end-buyer at invoice maturity.
Our financing approach is built around short-term, secured transactions linked to identifiable goods, counterparties and repayment flows.
Senior lending with clearly defined security.
Physical commodities pledged as identifiable collateral.
Financing calibrated to transaction and collateral value.
Facilities structured around a specific underlying trade.
Short maturities help limit broader market sensitivity.
Our strategy focuses on non-perishable, highly liquid commodities that can be sold efficiently on open international markets.
Aluminium, zinc, copper and other non-ferrous metals.
Biofuel, base oils and related products.
Wheat, barley, corn and other agricultural commodities.
Computer parts and general consumer products.
Gold, silver and gemstones.
A tailored, resilient and low-volatility form of fixed income exposure.
Loans are typically priced as a spread over a benchmark rate such as SOFR.
Trade finance loans generally mature within 3 to 12 months.
Returns are largely independent from movements in listed equity and bond markets.
Loans are secured and senior in the capital structure, with claims on real assets.
Short duration helps limit exposure to rate volatility.
Transaction financing is primarily secured by pre-sold goods, reducing exposure to commodity market price volatility.
Contractual cash flows and short maturities support a more stable return profile.
Trade finance combines short maturities, strong collateralisation and limited sensitivity to broader market movements.
Figures shown are indicative market or industry averages and do not represent Horizon Capital performance.
Our approach combines transaction-level due diligence, collateral controls and continuous monitoring throughout the life of each financing.
Risk of borrower default or insolvency, mitigated through full collateralisation and a target collateral ratio above 110%.
Repayment delays from transaction setbacks, mitigated by short tenors and self-liquidating loan structures.
Losses from fraudulent counterparties, mitigated through continuous KYC and independent collateral managers.
Financed goods failing to meet specification, mitigated through inspections and contractual recourse mechanisms.
Failure of suppliers, buyers or storage providers, mitigated through vetted counterparties and transaction-specific securities.
Pledged assets that are difficult to liquidate, mitigated by financing only non-perishable, highly liquid commodities.
Market fluctuations affecting collateral value, mitigated as most trades carry pre-agreed sale prices.
Documentation errors or process failures, mitigated through insurance covering 110% of goods value and independent inspectors.
Changes in law or jurisdiction, mitigated through Swiss or English law contracts and by operating only in countries outside any UN embargo list.
Risk mitigation measures are transaction-specific and subject to the terms of the relevant fund documentation and prospectus.
A disciplined transaction-by-transaction approach combining due diligence, credit approval, portfolio construction and ongoing monitoring until repayment.
Identify opportunities, run KYC and compliance checks, and assess ESG eligibility for each borrower.
Financial and operational due diligence, including loan-to-value, liquidity, environmental and social assessment.
Review and approval of transaction scope, terms, collateral requirements and guarantees.
Diversification across commodities, counterparties and regions, with ongoing concentration monitoring.
Continuous monitoring of collateral quality, market prices and borrower fundamentals.
Repayment concludes the financing cycle and feeds into subsequent portfolio monitoring and review.
Our sub-funds target distinct regions and specialisations within trade finance, while sharing the same disciplined, senior-secured investment approach.
Short-term, self-liquidating loans secured by physical commodities across Europe. Discloses under SFDR Article 8.
Structured in accordance with Sharia principles, financing physical trade flows through compliant, asset-backed contracts.
Blended exposure across multiple trade finance facility types, structured to balance return objectives with diversification.
Our team is available to discuss our trade finance strategies, investment approach and financing solutions best suited to your needs.
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