favi

Low Doc approval up to $250k

Rolling line of credit to pay your suppliers

Repayment period up to 120 days

Get 100% of supplier invoice financed

Option to pay in different currencies with competitive FX

trade-finance-first-image

What is a Trade Finance?

A trade finance limit is just opposite to an Invoice finance or Debtor finance limit.

A Trade finance limit enables you to pay your supplier upfront or in advance before receiving goods.

You can get up to 100% of your supplier’s invoice funded and have flexibility to repay up to 150 days term.

A trade finance is also called as supplier finance.

Our loan guide

Trade Finance

Loan amount

$100k- $150M

Interest rates from

9.99% p.a.

Loan term

Ongoing

Pre-approval time

24 hours – 72 hours

Unconditional approval & settlement time

7-10 days

Repayments

Gets settled against payment of invoices within 60-90 days

Security

Secured against current assets of the business No real estate security required

What you need to know

Can be used for

Buying stock/Inventory

Paying creditors

Other working capital needs

Documents required

Last 6-12 months bank statement.

Financial statements with Receivables/Payables ledger

Sample invoice with proof of delivery

ATO statements

A valid identification proof

Benefits

Get paid against invoices in advance

Can go higher funding without real estate security

Does not impact business leverage

*The information provided in

critical information sheet

is intended as a guide only. Please contact us for more information.

What you should know about Trade Finance

Have questions? Speak to our experts!

1300 253 041 Apply Now

Why does a business need Trade Finance?

Generally, businesses who are heavily reliant on domestic or international suppliers, needs to have access surplus cash flow to procure timely orders.

Having a trade finance limit enables a business to make prompt payment or advance payment to the supplier which gives them the buying power to negotiate better pricing with discounts and timely delivery.

With a Trade finance limit, you get an option to pay back the lender up to 150 days which is a good time fame to liquidate the orders, payback the lenders and book profits.

What are the benefits of having a Trade Finance limit?

A trade finance facility can be beneficial to your business in several ways. Some of the key benefits can be listed as below:

  • No real estate security required to avail trade finance
  • Ability to pay suppliers in advance and get early payment discounts.
  • Flexible repayment terms with interest free periods.
  • Reduced payment, FX and international transaction risks.
  • Helps to unlock the market potential with timely procurement of goods.

What documents are required to apply for a Trade Finance?

  • 6-12 months Bank statements
  • Management Accounts
  • Receivables/Payables ledger
  • ATO statements
  • A valid Identification proof.

Why does a company need Trade Finance?

A trade finance facility may not be a suitable option for every business. However, it could be very useful for businesses involved in import and export of goods and services. A trade finance facility can be beneficial for both buyers and sellers.

For a buyer, generally paying for goods in advance becomes a big burden on the cash flow of the business and could witness several delays in procuring goods which can eventually impact the overall growth of the business. Having a trade finance facility helps them in making advance payment for goods to be imported and procure timely orders.

For a seller, exporting goods without receiving 100% advance may pose severe risk of default and hence they may not be comfortable dispatching the goods without receiving the full payment. A trade finance enables them to unlock cash flow from the manufactured goods in a much quicker time.

A trade finance facility not only helps to solve the liquidity problem for both buyers and sellers but also mitigates the risk in transactions involved in import/export of the goods between domestic and international trades.

How does a Trade Finance work?

1. Order goods from your domestic / overseas supplier

2. Present your supplier’s invoice to the lender

3. The lender pays the supplier’s invoice

4. Payback the lender on agreed terms of repayment.

Real results with real people.

106+ customer reviews

5.0

Chi Morris

Chi Morris

Dear Sas, I want to express my heartfelt gratitude for your efficiency and the exceptional support that you have provided in helping me meet my business needs. It was always easy to deal with you and you were always available to answers every question. I was also quite impressed by your professionalism and efficiency which were quite exceptional. Thanks for going above and beyond to deliver an outstanding service. I look forward to working with you again in the future.
Toni Speakman

Toni Speakman

I don’t usually post reviews on the internet, but I feel compelled to write one about our recent experience with Broc Finance. In particular, we’d just like to thank and recommend Neeraj, who has been extremely professional, quick to get back to us regarding information and has exceptional easy-going language so we could understand what was happening and what we needed to do. He endeavoured to get the help we needed in a very short amount of time and the funds were in our account within 2 weeks of applying. Neeraj managed to secure our loan at a much lower interest than the big banks and we would recommend Broc Finance - especially Neeraj, to anyone who is seeking financial assistance away from the big greedy banks. This is the 2nd time we’ve used this service, and it won’t be the last. Thank you.
Ibrahim Alpay

Ibrahim Alpay

I highly recommend Saroj to anyone needing business funding. He’s helped me multiple times with fast and efficient service, securing higher than-expected loan amounts each time. Excellent experience!
Min Wilson

Min Wilson

The team delivered a well structured and highly supportive service that made the financial process feel streamlined and well governed. Each step was clearly defined, proactively explained. The overall outcome felt both efficient and value-aligned.
shephali jain

shephali jain

very professional and knew what we wanted and gave us the best services. we happy with Saroj service and he knew what he was providing and alway on the phone when we need him . thanks for a smooth professional deal.
Deepesh Parikh

Deepesh Parikh

Saroj knows his business. To the point guidance, everything from start to finish was as expected and confirmed by him. Always recommend him for sorting it your personal or business finances. Thanks a lot for all your help Saroj.
Mugdha Chandekar

Mugdha Chandekar

A Trusted Partner in Commercial Finance I had the pleasure to discuss with Broc Finance on a complex commercial mortgage transaction, and I can confidently say they are the experts and professinals in this space. If you're looking for a commercial mortgage broker who brings clarity, integrity, and genuine commitment to the table, Broc Finance is the one to call. Highly recommended for any business owner seeking tailored financial solutions.
Tabitha Pomente

Tabitha Pomente

Working with Saroj and the Bronc Finance team has been an incredible experience. Their professionalism, knowledge, and support throughout the process have been outstanding. I couldn’t be happier with the service and results — highly recommended!

Have questions? Talk to a specialist!

Read our FAQs 1300 253 041
form-img

What loan are you looking for?

Tell us about yourself

Can't remember? Find it here

Frequently asked questions

Under a trade finance facility, once you receive an invoice from the supplier, you need to present it to the lender and the lenders pays to the supplier if it’s within the approved limit. You can pay back the lender on agreed terms.

A trade finance facility can be very useful for those who regularly need to order goods from domestic or international suppliers. They can pay the supplier in advance through the trade finance limit and can have quicker access to the goods. This also eliminates the risk involved in delivery of goods.

Yes, most of the lenders offer the option to remit the funds to the supplier in foreign currency.

Though the risk involved in a trade transaction is reduced to a certain scale on involving a third-party financier, there still exists some risks to both buyers and suppliers

Buyers
Sometimes, the supplier may not deliver the goods after receiving the advance payments from the financier. To mitigate this risk, generally, finance company do its due diligence on suppliers and may require payment acknowledgement documents against payment made.

Suppliers
Suppliers bear the risk of non-payment or delayed payment from buyers on delivery of goods. With a financier in picture, this risk gets eliminated as the lender makes advance payment or issue a letter of credit to the supplier before the goods are dispatched.

There could be other external risks like foreign exchange fluctuations risk, political and economical risks. Our expert team at Broc finance can help you to understand and mitigate these risks by pitching you with the right lender.

To be eligible for a trade finance facility in Australia, the business should be

Domiciled in Australia
Must be profitable for at least last 2 years
Should have positive tangible net worth in the business

You may get funded up to 100% of the supplier’s invoice.

We can get an indicative offer in as low as 48 hours of full application and limits can be unconditionally approval within 3-5 business days depending upon case to case.

At Broc Finance, we endeavour to get the most adequate facility suitable to the business requirements of our clients. In most of the cases logged in through us, we try to get an indicative offer from the lender for our client’s consideration before proceeding with formal application and consent to credit check. This approach helps our clients to avoid unwanted rejections and credit checks which can significantly impact their credit score.

Please feel free to contact us if you have any other questions. We would be more than happy to answer it.

Apply Now
Talk to a Specialist