For roasters
We hold your specialty coffees in consignment and finance the inventory — so you can call off exactly what you need, when you need it, without tying up working capital.
Our service
Inventory & invoice financing for roasters
Annona purchases specialty coffees on your behalf and holds them in European warehouse stock. We finance the invoice and you call off inventory as needed. Each calloff settles the corresponding principal plus pro-rata interest — keeping your cash flow flexible while guaranteeing supply.
Consignment stock
Your coffees are stored in European warehouses and available for calloff at any time. No need to commit capital upfront for the full order.
Invoice financing
We finance up to 65% of the invoice value. You pay only for what you call off, plus pro-rata interest based on the time the inventory was held.
Flexible calloffs
Call off any quantity at any time. Each calloff settles the financed portion plus accrued interest — no penalties, no minimum order.
Indicative calculators
Calculate your scenario
These calculators provide indicative estimates. Actual terms depend on contract specifics, credit assessment, and market conditions.
Roaster calculator
Estimate your calloff schedule and financing costs
Indicative results
Calloff schedule
| Month | Principal | Interest | Payment | Outstanding |
|---|---|---|---|---|
| 3 | 24.375 € | 2.925,00 € | 27.300,00 € | 73.125 € |
| 6 | 24.375 € | 2.193,75 € | 26.568,75 € | 48.750 € |
| 9 | 24.375 € | 1.462,50 € | 25.837,50 € | 24.375 € |
| 12 | 24.375 € | 731,25 € | 25.106,25 € | 0 € |
Indicative only. Actual terms depend on contract specifics, credit assessment, and market conditions. Interest is calculated pro-rata on the outstanding balance at each calloff.