Pay up to 90 days after shipment.
Insured open-account terms that let importers buy more, hold less cash and build a long-term supply partnership with China.
The supplier ships first. You pay on term.
Under open account, goods and documents are released to you before payment, and you settle the invoice on an agreed date — up to 90 days later with GENGHE AGRI.
We make this safe for everyone: the buyer limit is insured by China's national export credit insurer, our capital partner pays the supplier upfront, and GENGHE AGRI guarantees execution.
Why open account beats the alternatives
A quick look at how OA terms compare with the payment methods importers usually rely on.
| Advance T/T | Letter of credit | GENGHE OA | |
|---|---|---|---|
| Cash needed upfront | 30–100% before shipment | Bank margin often required | Deposit from 10% |
| When you pay the balance | Before goods ship | On document presentation | Up to 90 days after shipment |
| Banking cost & paperwork | Low cost, simple | High fees, strict documents | Standard trade documents |
| Who carries the risk | The buyer | Shared via banks | Insured within approved limits |
| Quality assurance | Depends on the supplier | Documents only | Inspected at origin before loading |
From verified buyer to open account, in six steps
Every buyer is reviewed and insured before a single container ships.
Verified buyers
We work only with real, active importers in your category — never cold, unverified leads.
Credit review
Company background, payment history and insurance record are checked before any terms are offered.
Insured limit
Each buyer's line is capped at the limit China's national export credit insurer approves for that buyer — we never extend beyond it.
Open-account terms
Up to 90 days with a deposit from 10%, sized within your insured limit and credit tier.
Sourcing & shipment
Our capital partner pays the supplier; goods are inspected, shipped and cleared at your destination port.
Payment & renewal
Pay on term and your line revolves automatically within your insured limit for the next order.
Clear terms, sized to you
Final terms depend on credit review and the limit approved by the insurer for your company.
Your line grows with your track record
Start with a first order, pay on time, and unlock better terms over time.
Starter
First orders with a higher deposit and shorter tenor while your payment history builds.
Established
Proven on-time payment unlocks longer tenor, lower deposit and a larger revolving line.
Strategic
Long-term partners receive priority allocation, tailored programmes and dedicated account management.
Built to protect every party
Open account only works when risk is managed at every stage. Here is how we do it.
Know your buyer
Registration, ownership and trading history are verified before any limit is requested.
Insurer-approved limits
Exposure never exceeds the buyer-specific limit approved by the national export credit insurer.
Inspection before loading
Goods are checked at origin so what ships matches what was ordered.
Monitoring & renewal
Payment behaviour is tracked on every order and limits are reviewed regularly.
Ready to source on open account?
Tell us your products, volumes and destination. We'll review your eligibility and reply within one business day.