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Earlypay Trade Finance

Trade finance for businesses with outstanding invoices to other Australian businesses, to fund stock and cash flow.

Trade FinanceStock & Inventory FinanceWorking Capital Finance
Source dated 23 Sept 2026
Amount
Not published
Term
Not published
Rate
Rate available on application
Security
Not published
Enquire about this product

Product details

As published by Earlypay. Details not published by the lender are marked.

Rate
Rate available on application
Structure
Trade finance facility
Time trading
2+ years trading
Restrictions
ABN or ACN; outstanding invoices with Australian businesses, issued after delivery
How to apply
Direct with the lender, or through us
Not published by Earlypay
loan amount, rate type, term, security, fees, repayment frequency, early repayment, turnover, documents, guarantees, funding time
Suitable purposes
StockCash flow

About Trade Finance

Earlypay publishes these details for Trade Finance: structure trade finance facility; time trading 2+ years trading; suitable purposes stock, Cash flow. Not published by Earlypay for this product: loan amount, term, security, maximum LVR, turnover, documentation. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Earlypay products

  • Business Line of Credit: Structure is trade finance facility here and line of credit for Business Line of Credit; loan amount is published for Business Line of Credit ($100K to $10M) but not for this product; security is published for Business Line of Credit (asset-backed) but not for this product; Earlypay publishes time trading (2+ years trading) for this product but not for Business Line of Credit.
  • Equipment & Asset Finance: Structure is trade finance facility here and chattel mortgage for Equipment & Asset Finance; loan amount is published for Equipment & Asset Finance ($50K to $1.5M) but not for this product; term is published for Equipment & Asset Finance (2 yrs to 5 yrs) but not for this product; security is published for Equipment & Asset Finance (asset-backed) but not for this product.
  • Invoice Finance (Invoice Factoring / Invoice Discounting): Structure is trade finance facility here and invoice finance facility for Invoice Finance (Invoice Factoring / Invoice Discounting); loan amount is published for Invoice Finance (Invoice Factoring / Invoice Discounting) ($50K to $10M) but not for this product; security is published for Invoice Finance (Invoice Factoring / Invoice Discounting) (asset-backed) but not for this product; Earlypay publishes time trading (2+ years trading) for this product but not for Invoice Finance (Invoice Factoring / Invoice Discounting).

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More from Earlypay

Business Line of Credit

Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.

Amount
$100K to $10M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Earlypay Business Line of Credit

Equipment & Asset Finance

Equipment and vehicle finance from $50K to $1.5M over 2 to 5 years for GST-registered businesses trading for 2 years or more.

Amount
$50K to $1.5M
Term
2 yrs to 5 yrs
Security
Asset-backed
Rates and other criteria
Rate
From 9.49% p.a.
Repayments
Not published
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Earlypay Equipment & Asset Finance

Invoice Finance (Invoice Factoring / Invoice Discounting)

Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.

Amount
$50K to $10M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Earlypay Invoice Finance (Invoice Factoring / Invoice Discounting)

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Source dated 23 Sept 2026
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