Financing Solutions

A processor buys raw material on terms close to cash and usually sells finished product on credit. The days in between are the most concrete constraint on growth. This is what distinguishes Teriş: we take on the financing as well as the trade.

We work with deferred payment terms, open account limits, letter-of-credit and acceptance credit import structures, and direct debit collection. Which structure fits depends on the sector, the collection cycle, the security position and the purchasing pattern. Limits follow analysis rather than familiarity, and widen as a track record builds.

Currency risk is a separate discipline. Imported material is paid for in hard currency while domestic sales are largely in Turkish lira. We work through invoicing currency, tenor and delivery timing to narrow that exposure. This is commercial structuring, not investment advice.

The capital markets discipline within the group — Tacirler Yatırım and Tacirler Portföy — is the source of the approach we apply to risk and limit management.