What Is Trade Finance?
A trade finance facility works differently from invoice or debtor finance.
It allows businesses to pay suppliers upfront or in advance before receiving goods. You can access funding for up to 100% of your supplier’s invoice, with flexible repayment terms of up to 150 days.
Trade finance is also commonly referred to as supplier finance.
Our Loan Guide
$100k- $150M
9.99% p.a.
Ongoing
-
Pre - approved time
24 hours – 72 hours -
Unconditional approval & settlement time
7-10 days -
Pay Cycle
Gets settled against payment of invoices within 60-90 days -
Security
Secured against current assets of the business | No real estate security required
Disclaimer - The information provided in this critical information sheet is for general guidance only. Please contact us if you require further details.
What you need to know?
Can be used for
- Buying stock/Inventory
- Paying creditors
- Other working capital needs
Documents required
- Last 6-12 months bank statement.
- Financial statements with Receivables/Payables ledger
- Sample invoice with proof of delivery
- ATO statements
- Valid identification proof
Benefits
- Get paid against invoices in advance
- Can go higher funding without real estate security
- Does not impact business leverage
What you should know about Trade Finance
When would my business need Trade Finance?
Businesses that depend heavily on domestic or international suppliers often need extra cash flow to place orders on time.
A trade finance facility allows you to make prompt or advance payments to suppliers, giving your business the leverage to negotiate better pricing, secure discounts, and ensure timely delivery.
With a trade finance limit, you typically have up to 150 days to repay the lender, providing sufficient time to sell the goods, repay the loan, and realise profits.
The benefits of having a Trade Finance Limit
- No real estate or asset security required to access funds
- Ability to pay suppliers in advance and secure early payment discounts
- Flexible repayment terms, often with interest-free periods
- Reduced payment, foreign exchange (FX), and international transaction risks
- Unlocks market potential by enabling timely procurement of goods
Documents required for a Trade Finance?
- Bank statements for the last 6–12 months
- Management accounts
- Receivables and payables ledger
- ATO statements
- Valid identification proof
Steps to Apply for an
Trade Finance
1. Check your
Eligibility
Check your business’s basic loan eligibility and complete the application form in just 60 seconds.
2. Submit your
application
Once you submit your application form, we’ll contact you to discuss your business needs and guide you on the documents required.
3. Get an approval as quick as in 24hr
Once we have all the required documents, we submit your application to the most suitable lender and can secure loan approval in as little as 24 hours.
