We help Australian importers and product-based businesses access flexible funding to cover supplier costs, stock purchases, and supply chain gaps — even before goods are delivered.
✅ Finance for local or international trade
✅ Borrow from $20K to $2M
✅ Terms from 30 to 180 days
Trade finance helps your business pay suppliers earlier or on time, even if your customers haven’t paid you yet or the stock hasn’t arrived. It’s commonly used by Australian importers, wholesalers, retailers, and manufacturers to bridge cash flow gaps between paying for goods and receiving income from sales.
You get access to a facility that pays your supplier directly — local or international — and then you repay the lender once goods are sold or customer payment is received.
We help you compare lenders that specialise in trade finance and offer loan terms that match your business journey.
✅ Pay suppliers without draining cash reserves
✅ Fund inventory before it’s sold
✅ No need to wait for customer payments or invoice settlements
✅ Strengthen supplier relationships with prompt payment
✅ Works for both international and domestic trade
✅ Importers needing to pay for stock before arrival
✅ Wholesalers managing 60–120 day trade cycles
✅ E-commerce or retail businesses restocking in advance
✅ Australian SMEs buying from overseas factories or local suppliers
✅ Manufacturers paying upfront for raw materials
You’re likely to be eligible if:
✅ You’ve been trading for at least 12-24 months
✅ You have at least $500K in annual sales
✅ You issue or receive purchase orders for stock or goods
✅ You can demonstrate how the loan will be repaid (e.g., sales, invoices, LCs)
✅ You are an Australian citizen or permanent resident
✅ You hold an active ABN or ACN
📌 Not sure if you qualify? Let’s talk — we’ll guide you through your options.
Let us help you find the right trade finance for your business — with support from real lending experts.
Trade finance costs vary depending on the lender and your business profile. Fees are set by each lender, and we’ll walk you through all your options before you make a decision. Here’s what to expect:
Interest rates: Typically 1.25%–2.5% of the loaned amount per 30-day cycle (e.g. $25,000 for 90 days = 3.75% total cost)
Transaction fees: May apply for each supplier payment (flat fee or %)
Other fees: If using for imports, FX costs may apply
Early repayments: No penalties — and you only pay fees for days used.
We'll walk you through all the options - with no surprises.
If you have trade finance offers from more than one lender, deciding which one is the best fit for your business comes down to more than the interest rate. You need to take into account the following details in reaching your decision:
1. Monthly fee or interest rate structure
2. Max limit based on trading history
3. Whether funding is staged or up front
4. Supplier payment options (domestic vs offshore)
5. Currency support and FX conversion costs
6. Repayment flexibility if goods are delayed
7. Setup time and documentation required
We do all the legwork for you — comparing offers, negotiating terms and helping you make a confident decision.
1️⃣ We assess your needs and gather your business profile information.
2️⃣ If you decide to proceed, we send you a Personal Privacy Consent for signature then ask you to provide required documents such as invoices or purchase orders and bank statements.
3️⃣ We analyse your business cashflow and shortlist the right-fit products and lenders based on your goals and profile.
4️⃣ We structure & present the deal to matched lenders for pre-approval.
5️⃣ Once we obtain pre-approval(s) we will discuss the available options with you in detail.
6️⃣ You choose the option you're happy with and we will kick-off a formal application with the lender.
7️⃣ If the lender approves the facility, they will send you the rates and key terms
8️⃣ If you are happy with the lender's offer, you sign the loan documents they send you
9️⃣ The lender pays your supplier directly.
Not exactly. It’s a short-term working capital facility that pays your supplier on your behalf. You repay the lender once the goods are sold, delivered, or your customer pays.
Yes — trade finance is especially useful for international imports. The lender pays your overseas supplier, and you repay once the goods are received or sold locally.
Not necessarily — many trade finance facilities are unsecured, especially for limits under $250K. The transaction, goods, and your trading history are used to assess risk.
Many lenders allow extensions for shipping delays — and will work with you if you’re transparent. We can help negotiate flexibility based on your supply chain risk.
Trade finance helps you pay suppliers before you get the goods. Invoice finance helps you unlock cash from customers after the goods are delivered.
Yes — trade finance works for domestic supply chains too, especially if you need upfront stock for large wholesale or retail orders.
We do not perform credit checks. However, lenders we present your deal to may conduct soft credit checks. If you choose to proceed to an application with a particular lender, the lender will run a full check.
Let us help you find the right trade finance for your business — with support from real lending experts.
