- Sinosure-backed · OA 30 / 60 / 90 Days
Sinosure-backed · OA
30 / 60 / 90 Days
Our QC team inspects every item at our 13,000 m? Yiwu warehouse before loading.
You receive a full photo report. You approve. Then it ships — not before.
OA terms
Days
Days
Days
China's national export credit insurance
Credit line valid for 6 months
Payment due after delivery
Available to importers worldwide
Five Steps From Application to Shipment
The application is handled entirely by our team. You provide the documents; we manage the process with Sinosure on your behalf.
YiwuBuying does not self-finance OA orders. Each buyer is covered by Sinosure, a state-owned export credit insurer, protecting us against non-payment and enabling longer credit terms without requiring collateral.
1
Share your company documents with our team. We file the Sinosure credit application on your behalf.
2
Sinosure reviews your financials and trade history. Approval takes approximately 21 working days.
3
Your approved credit limit is valid for 6 months. You place orders up to that limit on OA terms.
4
Production starts on receipt of the deposit. The remaining 70% is due within your agreed OA period after shipment.
5
Your container leaves Yiwu. Payment falls due 30, 60, or 90 days after the bill of lading date.
Choose Your Payment Period
ll three options share the same structure: 30% deposit before production,
balance due after shipment within the agreed window.
Days after B/L
Payment due 30 days after the bill of lading date. Goods typically arrive before payment falls due. Easiest to get approved.
- Fastest approval process
- Lower minimum order threshold
- Good for building OA history
- Renew to 60 days after 2 successful orders
Days after B/L
Payment due 60 days after shipment. Gives you time to receive goods, inspect, and begin selling before the balance is due.
- Enough time to sell before paying
- Covers sea freight + 3–4 weeks selling
- Available to most approved buyers
- Can extend to 90 days on request
Days after B/L
90 days from shipment — typically covering full sell-through before payment. Requires stronger financials and higher order value.
- Maximum cash flow benefit
- Requires 2+ prior OA orders on record
- Stronger financial documentation needed
- Available for orders above $250,000
Backed by China's National Export Credit Insurer
Sinosure is a state-owned institution that insures Chinese exporters against the risk of non-payment by overseas buyers. We apply for coverage on each order — you don't interact with Sinosure directly.
Our team submits your company documents and trade history directly to Sinosure. You don't need to contact them.
They review your financials, trading history, and country risk. Approval typically takes 15–21 working days.
Once approved, your credit line is valid for 6 months. Each order within that limit ships on OA terms.
If payment is not received, Sinosure compensates us as the insured exporter. You are not pledging collateral.
Who Qualifies for OA Terms
Most established importers qualify. The main requirements come from Sinosure's assessment criteria, not from us.
- Registered company with 2+ years of trading history
- Annual import turnover above USD 500,000
- Clean credit record — no defaults or bankruptcy proceedings
- Minimum order value of USD 100,000 per shipment
- Importers in Sinosure's approved countries list
- Buyers with at least one prior order through YiwuBuying
💡 First-time buyers can build OA eligibility by placing one T/T order first. We note your payment history and include it in the Sinosure application.
- Newly registered companies (under 12 months)
- Individual buyers without a registered business entity
- Orders below USD 100,000 in value
- Buyers in sanctioned or high-risk jurisdictions
- Companies with unresolved payment disputes on record
- Countries where Sinosure does not provide coverage
⚠️Not sure if you qualify? Send us your company details and we'll give you an honest assessment before you submit any documents.
Who Qualifies for OA Terms
Most established importers qualify. The main requirements come from Sinosure's assessment criteria, not from us.
Certified copy of your company registration. Must show current registered address and directors.
Audited or management accounts for the past two financial years. Balance sheet and P&L required.
Business account statements showing transaction activity. Used to verify cash flow and trading volume.
Prior invoices, bills of lading, or customs declarations showing import history. Strengthens your application.
Passport or national ID for the company's registered director(s). Standard Sinosure KYC requirement.
Letters or contact details from existing suppliers confirming your payment track record. Optional but helpful.
Common Questions – FAQ
Answers to what buyers ask us most before applying.
Is there any interest charged on OA orders?
No. OA payment terms are not a loan. There is no interest charged for the 30, 60, or 90-day window. The cost of the Sinosure insurance premium is absorbed by us.
Does Sinosure contact us directly?
No. We are the insured party — not you. Sinosure's relationship is with YiwuBuying as the exporter. You deal only with our team.
What happens if we can't pay by the due date?
Contact us before the due date. Late payment affects your credit standing with Sinosure and may prevent future OA applications.
Can we increase the credit line over time?
Yes. After two or more successful OA orders with clean payment history, we can apply to Sinosure for a higher credit limit.
Do we need to put up any collateral or guarantee?
No collateral is required from the buyer. Sinosure insures YiwuBuying (the exporter) against non-payment.
How long does the full application take?
Document collection: 3–5 days. Sinosure assessment: 15–21 working days. Total from first contact to approved credit line: allow 4–6 weeks.
Your Next Order.
Pay After It Arrives.
Send us your company details and we'll tell you within 48
hours whether you're likely to qualify — before you submit a
single document.