Trade finance can help businesses pay suppliers, import goods, purchase stock or manage the gap between buying inventory and receiving customer payments. It is commonly used by wholesalers, importers, distributors and manufacturers.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
The right structure depends on purpose, timing, repayment source, security and lender policy.
Fund stock or inputs before customer receipts arrive.
Manage the timing gap between overseas supplier payment and local sale.
Combine with invoice finance or line of credit where the sales cycle needs both purchase and receivables support.
Working capital →Trade finance can help with supplier deposits, inventory purchases, import costs, bulk stock, seasonal orders and purchase orders where the business needs funding before customer cash is received.
Lenders will want to understand supplier reliability, order quality, gross margins, stock turnover, customer demand, debtor quality and how the facility will be repaid.
Trade finance supports the buying side of the cycle. Invoice finance supports the receivables side after goods or services have been supplied. Some businesses need both.
We keep the process practical: match the need, prepare the evidence, then approach suitable lenders only if you choose to proceed.
Share the amount, purpose, timing, trading history and any existing lender or ATO pressure.
We compare whether a term loan, overdraft-style facility, line of credit, invoice finance or asset facility is a better fit.
We organise the documents a lender is likely to request so the first read is clear and complete.
We explain structure, repayments, fees, security and conditions before you decide whether to proceed.
Yes, trade finance is often used to fund inventory, stock orders or supplier payments before customer receipts arrive.
No. Importers are common users, but local wholesalers, distributors and manufacturers may also use trade finance.
Lenders may ask for supplier invoices, purchase orders, customer orders, bank statements, BAS, financials and evidence of stock or sales history.
It may, if the business can show demand, margins and a repayment source once the stock is sold.
Trade finance is usually linked to specific purchases or trading cycles, while a line of credit is a broader revolving facility.
Tell us what you are trying to fund and what has already happened. We will help you work out the next sensible step.