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Compare stock and inventory finance

Inventory ties up cash. Stock finance lets you buy in bulk, take advantage of supplier discounts or prepare for peak season without emptying the business account.

10 products from 9 lenders · Last checked 25 Sept 2026

Clothing retailer arranging new season stock on the racks

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10 products from 9 lenders

Stock & Inventory Finance products

Bank

Bendigo Bank Trade Finance

Trade advance funding for up to 180 days for import, export or domestic stock purchases, giving your business more cash flow flexibility.

Amount
Not published
Term
Not published
Security
Not published
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Bendigo Bank Trade Finance
Invoice and trade financier

Earlypay Trade Finance

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

Amount
Not published
Term
Not published
Security
Not published
Rate
Rate available on application
Repayments
Not published
Trading
2+ years trading
From lender's website, 23 Sept 2026
Details for Earlypay Trade Finance
Invoice and trade financier

Fifo Capital Trade Finance

Revolving trade finance from $500K to $5M paying up to 100% of supplier invoices, with trade terms up to 180 days for local and overseas suppliers.

Amount
$500K to $5M
Term
Not published
Security
Not published
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Fifo Capital Trade Finance
Invoice and trade financier

Moneytech Trade Finance

Trade finance up to $10M to pay local and overseas suppliers for goods and raw materials, with up to 120 days to repay each drawing.

Amount
Up to $10M
Term
Not published
Security
Not published
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Moneytech Trade Finance
Major bank

NAB Trade Finance

Short-term working capital finance for import, export and domestic trade, with terms of 7 to 180 days in AUD or major foreign currencies.

Amount
Not published
Term
Not published
Security
Not published
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for NAB Trade Finance
Invoice and trade financier

Octet OctetTrade - Trade Finance

Trade finance for larger, profitable businesses to pay suppliers, with up to 120 days to repay.

Amount
Not published
Term
Up to 4 mths
Security
Not published
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Octet OctetTrade - Trade Finance
Invoice and trade financier

ScotPac Asset Based Finance (Corporate)

Corporate working capital facility of up to $50M secured against business assets such as debtors, inventory, property, and plant and equipment, for established B2B businesses.

Amount
Up to $50M
Term
Not published
Security
Asset-backed
Rate
Rate available on application
Repayments
Not published
Trading
3+ years trading
From lender's website, 23 Sept 2026
Details for ScotPac Asset Based Finance (Corporate)
Invoice and trade financier

ScotPac Trade Finance

Trade finance facility for businesses funding stock, equipment or supplier purchases.

Amount
Not published
Term
Up to 5 mths
Security
Not published
Rate
Individual assessment
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for ScotPac Trade Finance
Non-bank business lender

Shift Trade Account

Trade account up to $500K that adds payment terms to supplier invoices, repaid in full on a chosen date or weekly for up to 20 weeks.

Amount
Up to $500K
Term
Not published
Security
Not published
Rate
Rate available on application
Repayments
Weekly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Shift Trade Account
Major bank

Westpac Trade Finance

Short-term finance for import and export trade, in AUD or most major currencies, for up to 180 days and repaid in full at maturity.

Amount
Not published
Term
Not published
Security
Not published
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Westpac Trade Finance

How stock & inventory finance works

In practice stock is usually funded through trade finance, a line of credit or a short-term business loan rather than a single stock-only product.

Depending on the product, the lender pays your supplier directly or advances funds to you. Repayment is timed to the sale of the stock, either over a fixed term or as a revolving facility.

Who it suits

  • Retail and e-commerce peak seasons
  • Bulk-buy discounts
  • Launching new product lines

What lenders look at

  • Stock turnover and margins
  • Sales history
  • Supplier invoices or purchase orders

Things to watch

  • Slow-moving stock can leave you repaying before you have sold. Keep terms realistic.

Stock & Inventory Finance: common questions

Can I use a business loan to buy stock?

Yes. Many general business loans and lines of credit list stock as an eligible purpose. Trade finance is another option if you want the lender to pay suppliers directly.

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