Business term loan
Borrow a set amount and repay under an agreed schedule.
Keep in mind: Match the repayment schedule to realistic business cash flow.
Explore this option →Business · A CLEARER STARTING POINT
Trade Finance
Connect supplier payments with your sales cycle, so you can assess funding before an order ties up cash.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
THE ESSENTIALS
Your finance essentials.
Trade finance addresses the period between paying for goods and receiving the proceeds of their sale. Match supplier terms, delivery dates and customer payment dates before deciding how much funding is needed. Invoice finance starts from eligible invoices already raised; trade finance concerns a different part of the trading cycle.
- Purpose
- Funding supplies or orders before the trading cycle produces receipts.
- How it works
- A facility may fund eligible supplier purchases and be repaid as agreed from the trading cycle.
- Security to understand
- Security and any director or personal guarantees depend on the facility. Ask which assets and people would be exposed.
- Costs to compare
- Review interest, establishment and ongoing fees, repayment frequency, any early payout costs and the total amount payable.
A LITTLE MORE CLARITY
Different business needs. Different ways to fund them.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Line of credit
Draw funds up to an approved limit under the facility terms.
Keep in mind: Check drawdown rules, interest, fees and limit review conditions.
Explore this option →Invoice finance
Access funding connected to eligible unpaid business invoices.
Keep in mind: Customer quality, invoice disputes, fees and collections arrangements matter.
Explore this option →Equipment finance
Finance an identified business asset.
Keep in mind: Review ownership, security, ongoing costs and any final balloon payment.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
A supplier needs payment before goods can be delivered to your customer.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
Check delivery, supplier, currency and repayment risks; finance does not automatically cover them.
business.gov.au: choosing funding ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
Purchase orders, supplier terms, delivery dates, expected sales and customer payment dates.
Business information
- ABN and entity details, ownership and how long the business has operated.
- Available accounts, BAS and business statements; the required periods will be confirmed.
Cash flow and commitments
- Existing finance balances, repayments and security arrangements.
- A cash-flow forecast showing expected receipts, expenses and seasonal changes.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
How does trade finance differ from invoice finance?
Trade finance may support eligible supplier purchases before the business receives sales proceeds. Invoice finance relates to eligible unpaid customer invoices. The transaction stage and supporting documents determine which structure can be considered.
What helps you understand my trade cycle?
Describe what you buy and sell, supplier payment dates, customer payment dates and the amount tied up between them.
Can I enquire before confirming a supplier order?
Yes. Bring the proposed order, costs and expected dates. Confirm funding terms before making commitments.
What if my business already has finance?
Tell us about existing balances, repayments and security arrangements. These are relevant to understanding the new request and your commitments.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →