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Shiperise is proud to officially announce a partnership with Modint Credit & Finance, a specialist in credit management for the fashion and textile industry. The two companies have in fact been working together for over a year, already delivering strong results for the fashion brands they serve in common — and are now formalizing that collaboration to bring an even more complete offering to the market.
The challenge: growing fast without breaking the bank
For fashion brands, a growing orderbook should be good news. In practice, it often becomes a bottleneck. Suppliers need to be paid — frequently in advance — before goods can even be produced, while B2B customers typically expect 30, 60, or 90 days of payment terms once the goods are delivered. That gap has to be financed somehow, and it tends to widen exactly when a brand is growing fastest.
Traditional lenders are often reluctant to step in. Fashion inventory and purchase orders don't fit neatly into the collateral models banks are used to, and the credit risk tied to overseas suppliers and international B2B customers adds another layer of complexity. The result: brands with real, growing demand can find themselves unable to fund the very orders that would let them meet it.
This is precisely the gap that the Shiperise–Modint Credit & Finance partnership is built to close.
Modint Credit & Finance: 20+ years of credit management built for fashion
Fashion is often seen as a risky industry to do business in— fast-changing demand, compressed margins, and a supply chain that stretches across borders and currencies. Brands today need to be well equipped to navigate that landscape and the risks that come with it, and that's exactly the role Modint Credit & Finance has built itself around.
Modint Credit & Finance has spent more than 20 years focused on a single set of industries: fashion, sportswear, footwear, textiles, and home & living. From its offices in Arnhem (the Netherlands) and Kleve (Germany), the company serves brands across Europe.
Modint Credit & Finance's offering spans four complementary services: debt collection, trade credit insurance, credit information, and legal support on trade terms. Debt collection recovers what's owed — amicably wherever possible, and always in the debtor's own language when a case crosses borders. Trade credit insurance protects both ends of the transaction, covering brands against a customer who can't pay and a supplier who can't deliver, so no single counterparty can put the business at risk. Credit information gets ahead of the problem entirely: a proprietary database lets brands vet a customer's creditworthiness before extending payment terms in the first place. And its legal expertise covers the contractual backbone of supply chain finance — from (inco)terms governing payment and delivery, to retention of title (ROT) clauses that protect a supplier's right to reclaim goods if a buyer fails to pay.
That combination is what makes Modint Credit & Finance the specialist for fashion, textile, footwear, and home & living brands specifically. The risks in this industry look different from a generalist's playbook — buyers spread across dozens of countries, payment terms that stretch out for months, and suppliers based across the world's established manufacturing hubs. Modint Credit & Finance's expertise is built around exactly that: the credit risk that comes with being an internationally exposed, fast-moving fashion business.
"Fashion is a fast-moving industry, and the risks brands face — supplier defaults, late-paying customers, cross-border collections — require specialist knowledge you don't get from a generalist credit provider," says Frans van den Hoorn, Director at Modint Credit & Finance. "That's exactly what we bring to this partnership, and it's why the fit with Shiperise works so well."
Shiperise: unlocking the cash to fulfil the order
Shiperise focuses on a different part of the same challenge: getting cash into a brand's hands early enough to act on the orders it has already won. Shiperise's purchase order financing lets fashion brands pay their suppliers as soon as an order is confirmed, instead of waiting on their own cash flow — or on a bank that may not lend against inventory and purchase orders in the first place.
In practice, that means a brand that lands a large new B2B order isn't forced to turn it down, delay it, or scale back on it for lack of funds. Production can start immediately, goods can ship on schedule, and the brand can move on to the next order rather than waiting for the current one to be paid.
"Growth shouldn't be capped by how fast a brand's cash converts," says Nicolas Meerschaert, Director at Shiperise. "Our job is to make sure working capital is never the reason a brand can't fulfil an order it's already won —and that's especially true for brands that don't fit the mold traditional financiers are comfortable with."
More than financing
Combined, the two companies offer something neither could deliver alone. Shiperise unlocks the funding fashion brands need — including in situations where traditional financiers are reluctant to get involved — while Modint Credit & Finance's debt collection expertise and credit insurance protect that funding against the risk of non-payment, whether from suppliers or B2B customers.
That combination turns working capital from a constraint into a growth lever. Brands get access to capital precisely when they need it, along with the tools to manage the credit risk that naturally comes with scaling into new markets and new customers. The result is a more resilient business model — one built for sustainable growth rather than growth that outruns its own cash flow.
Looking ahead: serving more brands, together
Over the past year, the collaboration between Shiperise and Modint Credit & Finance has already produced solid outcomes for the fashion brands they serve in common. With the partnership now official, the goal for the coming year is straightforward: serve more brands across the fashion and textile industry, and bring the two companies' joint solutions to market together, rather than as separate offerings brands have to piece together themselves.
Fashion brands looking to fund a growing orderbook — without taking on unmanaged credit risk in the process — are encouraged to reach out to Shiperise or Modint Credit & Finance to learn more.
To see this partnership in action, read our case study on how we supported TWNS The Label in scaling their business.
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