In pictures
In this article
Short answer: our terms are 50 percent advance and 50 percent on completion, before dispatch. The balance falls due only after the goods pass an AQL 2.5 inspection. So half the order value stays in your account until you have seen evidence that the goods are right.
Why the split matters
You
Banks
Anabyn
You ·1.You confirm the order
After you approve the paid sample.
You ·2.You wire the 50% advance
$25,000A normal bank transfer. Production starts.
Anabyn ·3.We make the order
30–45 days in specialist units, then AQL 2.5 inspection.
You ·4.You wire the 50% balance
$25,000When production is done, before dispatch. You have the inspection report first.
Anabyn ·5.We ship and send documents
Bill of lading, invoice, packing list and certificate of origin.
Bank cost at $50,000
$40–100 in wire fees (two transfers)
Extra time
No extra time
Paying 100 percent upfront leaves you with no leverage if the goods are wrong. Paying nothing upfront is not realistic either: yarn has to be bought and looms booked for your order.
A 50/50 split shares the risk. The supplier commits materials and labour against your advance. You keep half until the result is proven.
What you should have before you release the balance
| Check | What to look for |
|---|---|
| Inspection report | AQL 2.5, sample size stated, pass result, defects listed |
| Production photos | Your goods, your labels, your carton marks |
| Weight and size readings | Measured pieces against your spec and tolerance |
| Shade | Bulk compared with the approved sample |
| Packing list | Carton count and piece count that add up to the order |
| Draft documents | Invoice and packing list in the name your customs broker needs |
If any one of these is missing, ask for it before you pay. A supplier who wants the balance has every reason to send it quickly.
Bringing your own inspector
You can send a third-party inspector at your cost. We make room for them. For a first order of any size, it is a reasonable thing to do. For a small trial, read whether a third-party inspection is worth it on 500 pieces.
What happens if the lot fails
It does not ship. The fault is corrected and the lot is inspected again. You pay the balance when it passes.
How this compares with other terms
| Term | Your risk | Good for |
|---|---|---|
| 100 percent advance | Highest | Samples and very small orders only |
| 50 advance, 50 after inspection | Balanced | Most first and repeat orders |
| Letter of credit | Low, but bank fees and paperwork | Large orders and regulated buyers |
Our guide to LC versus TT payment covers the bank side.
Before you send the advance
Check who you are paying. Read five checks on a supplier's bank details and confirm our registrations on the verification page. Then ask for a quote. The terms above are written on every proforma invoice we issue.
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Written by
Dr Abin Babu
Founder & Chairman, Anabyn Global Ventures
Anabyn exports hotel and home linen from Kerala, India. These guides come from the questions buyers ask our desk. About the team
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