Typical uses
- Lowering the cost of stock, inventory, and/or materials
- Accessing higher lending limits
- Maintaining reserves of cash in the bank
Trade finance for small businesses
Trade financing helps businesses cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest.
Requesting a quote has no impact on your Credit Score.
What is trade finance?
Trade financing helps businesses cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest on the loan. Similar to other loans, there’s usually a preset lending limit.
This type of loan is popular for buying stock in bulk, letting businesses spread their costs over time while still being able to benefit from discounts and lower shipping per unit. Lenders often monitor business performance, adjusting limits based on how the business is doing.
More about trade finance
Eligible assets
Common industries
- Manufacturing
- Agriculture
- Wholesale and distribution
- Retail and e-commerce
- Mining
- Pharmaceuticals and healthcare
- Construction
- Energy
Eligibility
You may be eligible for a trade loan if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Get a quote
Requesting a quote has no impact on your credit score.
The benefits of trade finance
Save by buying in bulk.
Buy stock in larger quantities at discounted rates and reduce overall cost per unit.
Higher borrowing limits.
Trade finance often offers larger credit facilities than other loans, supporting bigger or more frequent purchases.
Keep cash free for other expenses.
Free up working capital and use it to cover day-to-day business costs.
Save by buying in bulk.
Buy stock in larger quantities at discounted rates and reduce overall cost per unit.
Higher borrowing limits.
Trade finance often offers larger credit facilities than other loans, supporting bigger or more frequent purchases.
Keep cash free for other expenses.
Free up working capital and use it to cover day-to-day business costs.
Save by buying in bulk.
Buy stock in larger quantities at discounted rates and reduce overall cost per unit.
Higher borrowing limits.
Trade finance often offers larger credit facilities than other loans, supporting bigger or more frequent purchases.
Keep cash free for other expenses.
Free up working capital and use it to cover day-to-day business costs.
Things to consider before applying
Potential drawbacks to be aware of
- Trade finance often requires extra paperwork compared to term loans.
- Funds are strictly for purchasing stock or materials, not for general expenses.
- Lending limits may drop if your business performance declines.
Questions to ask yourself
- Can I save significantly by buying in bulk?
- Will I sell or use the stock quickly?
- Am I okay with sharing more comprehensive details on my business?
- Will freeing up cash help grow my business?
At a glance
MAXIMUM LOAN AMOUNT
Variable
MINIMUM LOAN AMOUNT
Variable
SPEED
Medium - Slow
INTEREST RATE
MAXIMUM LOAN TERM
MINIMUM LOAN TERM
Requesting a quote has no impact on your Credit Score.
Potential lenders
How to apply for trade finance
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
What sets us apart
DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
You’ll need to interpret lender jargon and fine print yourself
How we help fuel your business growth
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
Learn more about trade finance
FAQ's
What is trade finance?
Who is trade finance suitable for?
Can I use trade finance for local purchases?
Invoice finance vs trade finance: What’s the difference?
Hear from our clients
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