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Compare trade finance

Trade finance pays your suppliers, local or overseas, so you can secure stock without draining working capital. You then repay the facility over an agreed period, often 60 to 180 days, as the goods are sold.

5 products from 5 lenders ยท Last checked 23 Sept 2026

Importer checking a shipment on a tablet in front of shipping containers

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Tell us about your business and we will match you with trade finance lenders likely to approve you.

5 products from 5 lenders

Trade Finance products

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
Quoted on application
Repayments
Not published
Trading
2+ years trading
From lender's website, 23 Sept 2026
Details for Earlypay Trade Finance
Via broker

Judo Bank Bank Guarantee

Bank guarantee from $250K that gives a landlord, customer or supplier confidence, with fixed-term or ongoing options reviewed annually.

Amount
From $250K
Term
Not published
Security
Secured
Rate
Quoted on application
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Judo Bank Bank Guarantee

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
Quoted on application
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for ScotPac Trade Finance

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
Quoted on application
Repayments
Weekly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Shift Trade Account

How trade finance works

It is widely used by importers, wholesalers and retailers who need to commit to large orders well before they are paid.

You submit a supplier invoice or purchase order. The provider pays the supplier, sometimes in a foreign currency, and you repay the provider at the end of the agreed term, often with an option to repay early.

Who it suits

  • Importers paying overseas suppliers
  • Wholesalers and retailers stocking up for peak season
  • Negotiating early-payment discounts with suppliers

What lenders look at

  • Trading history and margins
  • Supplier relationships
  • Stock turnover
  • Existing facilities

Things to watch

  • Check currency conversion costs on overseas payments.
  • Match the facility term to your real sales cycle.

Trade Finance: common questions

Is trade finance only for importers?

No. Many facilities also pay local suppliers. It suits any business that needs to pay for goods before selling them.

Related finance types

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