Treyd is a working capital platform built for product businesses — brands, wholesalers, and distributors that buy inventory before they sell it. Product businesses face a structural cash flow problem: Cash goes out early (to suppliers, production, and logistics) and comes back slowly (from customers, retailers, and sell-through). Traditional financing hasn't kept up with this reality. Treyd has. **What Treyd does** Treyd offers two connected products that address both sides of the cash flow gap: - **Supplier payment financing** — Treyd pays suppliers upfront on behalf of the business, giving customers up to 120 days to repay. This lets product businesses place larger orders, buy earlier, and avoid stockouts without tying up their own cash. - **Invoice advance** — Treyd advances cash against outstanding customer invoices, so businesses don't have to wait 30–90 days to get paid. This smooths the gap between delivering goods and receiving payment. Together, these products give product businesses the working capital flexibility to stock up, scale faster, and act on opportunities without hitting a cash flow wall. **Who uses Treyd** Treyd serves fast-growing product businesses including direct-to-consumer brands, wholesalers, distributors, and seasonal businesses. Customers use Treyd to fund pre-season inventory builds, expand into new markets, take on larger retail orders, and maintain stock during high-demand periods. Trusted by more than 1,300 businesses across the UK, Ireland, Sweden, Norway, Finland, and Denmark. **How it works** Businesses apply for a Treyd credit limit. Once approved, they can upload invoices, select repayment terms (30, 60, 90, or 120 days), and get suppliers paid within 24 hours. The credit limit replenishes as customers repay and grows automatically as transaction volume increases — no reapplication needed. Onboarding is completed in hours, not days. **Key facts** - Founded: 2019 - Headquarters: Stockholm, Sweden - Category: Fintech, working capital, supply chain finance, invoice financing, B2B payments - Customers: Product businesses, SMBs, DTC brands, wholesalers, distributors - Markets: UK, Ireland, Sweden, Norway, Finland, Denmark