US importers are eligible for Sinosure-backed open-account terms. A Chinese supplier with a Sinosure policy requests a credit limit on the US company, Sinosure assesses its financials and trading record, and approved buyers typically pay 90–120 days after shipment. With higher landed costs from tariffs, deferring the supplier payment frees significant working capital.
Why US importers use Sinosure terms
- Tariffs increase cash needs. Duties are paid at entry, often long before the goods sell. Moving the supplier payment 90–120 days out offsets that cash drain.
- Marketplace sellers wait to be paid. Amazon, Walmart and wholesale customers often settle weeks after sale; supplier terms close the gap.
- Bank lines stay free. Open account does not use your revolving credit facility the way an L/C does.
What a US buyer file usually contains
- Articles of incorporation or organization and EIN confirmation
- Two years of financial statements or business tax returns (CPA-reviewed if available)
- Recent bank statements
- Ownership and officer details
- Purchase history with Chinese suppliers
Typical profiles we see approved
| Profile | Usual starting point |
|---|---|
| Established wholesaler / distributor, 3+ years | Limit sized to 2–4 months of purchases |
| Amazon / Shopify brand with reviewed financials | Modest first limit, increased after on-time payments |
| Company under 1 year old | Harder; possible with a strong supplier and projections |
Compliance notes
US buyers must still comply with US import rules — customs classification, duties, forced-labour import restrictions and product regulations. Sinosure cover changes when you pay, not what you owe customs.
Frequently asked questions
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 →What documents are needed for a Sinosure credit limit application?
Usually: certificate of incorporation or business registration, the last 2 years of financial statements (audited if available), a recent bank statement or bank reference, company profile with ownership and directors, and trade references or past purchase orders with Chinese suppliers. Exact requirements vary by limit size and country.
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 →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 →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.
See if you qualify for 90–120 day terms
Free 2-minute eligibility check. Instant preliminary result, no obligation.