Sinosure-backed supplier credit
Pay your Chinese suppliers 90–120 days after shipment
We help importers secure Sinosure-insured open-account terms — no bank loan, no letter of credit, no collateral. Independent, buyer-side advisors from first check to approved limit.
- Net 60–120 day terms
- 0–30% deposit
- Decisions typically in 7–21 days
How it works
- 2-minute eligibility check — instant preliminary result
- Buyer file & supplier on board — we prepare and coordinate
- Supplier requests your limit on its Sinosure policy
- Limit approved — you order on net 90/120 terms
- Independent — buyer-side representation
- Not affiliated with Sinosure
- Based in Burnaby, Canada
- Importers worldwide
In one paragraph
What Hespor Finance does
Hespor Finance helps importers get Sinosure-backed supplier credit. Sinosure, China's state export credit insurer, insures Chinese exporters against buyer non-payment. We prepare your buyer file, bring your supplier on board and coordinate the credit-limit request, so you can buy on 90–120 day open-account terms instead of paying deposits or opening letters of credit.
Services
Everything between "my supplier wants a deposit" and an approved limit
Sinosure Buyer Onboarding
Buyer ID set-up and a complete, underwriter-ready buyer file.
Learn more →Credit-Limit Application Coordination
We coordinate the supplier's Sinosure limit request from submission to decision.
Learn more →Supplier Negotiation
Bring your Chinese supplier on board and negotiate the open-account terms.
Learn more →Additional Suppliers & Limit Extensions
Extend insured terms to more suppliers on your existing buyer code.
Learn more →Buyer Record Review
An honest assessment after an unpaid invoice, claim or dispute.
Learn more →Estimate your limit
Get an indicative 90-day limit range from your revenue, net worth and trade history.
Open calculator →Compare
Sinosure open account vs how you pay today
| T/T 30/70 | Letter of credit | Sinosure-backed open account | |
|---|---|---|---|
| When you pay | Before shipment | On shipping documents | 60–120 days after shipment |
| Cash tied up before goods arrive | 100% | L/C margin + fees | 0–30% |
| Uses your bank credit line | No | Yes | No |
| Paperwork per order | Low | High | Low, after a one-time credit review |
Full comparison: Sinosure vs letter of credit vs T/T
Who we help
Built for importers buying from China at scale
Wholesalers & distributors
Repeat container orders where deposits cap growth.
E-commerce brands
Amazon, Walmart and Shopify sellers funding inventory ahead of sales.
Retail & project buyers
Seasonal and project purchasing with long lead times.
Enterprises
Groups consolidating suppliers under one buyer credit identity.
FAQ
Questions importers ask first
What is Sinosure?
Sinosure (China Export & Credit Insurance Corporation) is China's state-owned export credit agency, founded in 2001. It insures Chinese exporters against the risk that a foreign buyer fails to pay, which lets those exporters sell on open-account terms — typically 90 to 120 days after shipment — instead of demanding deposits or letters of credit.
Learn more →Who qualifies for Sinosure-backed payment terms?
Registered companies with verifiable operations, financial statements and a trading history usually qualify — importers, wholesalers, distributors, brands and e-commerce sellers (Amazon, Walmart, Shopify). Stronger profiles have at least 1 year of operations, positive cash flow, no defaults or liens, and a Chinese supplier that is already Sinosure-insured. Check your profile in 2 minutes with our free eligibility check.
Learn more →How long does it take to get a Sinosure credit limit?
Typically 7–21 days once your documents are complete and your supplier submits the request, and longer for large limits or complex group structures. The biggest delays are missing financials and slow supplier responses — both of which we manage for you.
Learn more →Do I still need to pay a deposit?
Sometimes a 0–30% deposit remains, with the insured balance paid on 90–120 day terms. Many suppliers move to 100% open account once your limit is approved and you have paid a few invoices on time. The exact split is negotiated per supplier.
Can a new importer or startup get Sinosure terms?
Sometimes, with a smaller starting limit. New importers without trade history are usually offered a modest first limit (often in the low six figures) that grows as they build a record of on-time payments. Audited or accountant-prepared financials and a supplier willing to support the application improve the odds considerably.
Learn more →What is the "Sinosure blacklist" and can it be removed?
There is no public blacklist, but Sinosure does keep negative records on buyers after unpaid claims or serious payment disputes, which can block new limits with all insured Chinese exporters. No consultant can delete a record. What can be done is resolving the underlying debt or dispute, documenting it properly, and then re-applying so the buyer is re-assessed.
Learn more →Is Hespor Finance part of Sinosure?
No. Hespor Finance is an independent consultancy. We prepare and coordinate your application with your supplier and represent your interests as the buyer; Sinosure and the insured exporter make every credit decision.
Learn more →Insights
Latest from the blog
How to Apply for a Sinosure Credit Limit (Step-By-Step Guide)
Complete step-by-step guide to applying for a Sinosure credit limit, including required documents, timeline, and tips for a successful application.
Read →Sinosure Payment Terms: How 90–120 Day Terms Work for Canadian Importers
Understand how Sinosure-backed 90-120 day payment terms work, including eligibility, benefits, and the application process for Canadian and U.S. importers.
Read →What is Sinosure? A Complete Guide for Importers (2025)
Learn everything about Sinosure (China Export & Credit Insurance Corporation), how it works, and how importers can access 90-120 day payment terms through Sinosure-backed trade credit.
Read →See if you qualify for 90–120 day terms
Free 2-minute eligibility check. Instant preliminary result, no obligation.