Importers
Pay overseas suppliers while goods are manufactured, shipped and sold.
Trade Finance
Pay suppliers.
Keep your cash moving.
Trade finance can bridge the gap between paying for goods and receiving sales proceeds. We compare funding for eligible domestic and overseas purchases around your actual trading cycle.
Business working capital · Sydney-based advisers
Who it may suit
Keep business moving while cash is tied up.
Wholesalers & distributors
Support eligible stock purchases before customers pay.
Manufacturers
Explore funding for eligible inputs or orders, subject to the facility.
Growing trading businesses
Assess larger orders without consuming every dollar of working capital.
How it works
From supplier payment to sales proceeds.
01
Order goods
Confirm the supplier, purchase terms and approved funding purpose.
02
Pay the supplier
Draw under the facility against the required purchase documents.
03
Receive and sell
Allow for production, freight, stock holding and customer payment terms.
04
Repay the drawing
Repay on the agreed maturity date. A delayed sale does not automatically extend the loan.
What we assess
The terms that make a difference.
Your cash-conversion cycle
Days from supplier payment through production, shipping and stock holding to receiving customer funds.
Suppliers and goods
Supplier reliability, locations, goods, purchase evidence and any product restrictions.
Trading performance
Financial statements, margins, bank statements and existing commitments.
Repayment timing
How each drawing will be repaid and the buffer if goods or customer payments are delayed.
Security and guarantees
Business assets, property if required, guarantees and existing lender security.
Total facility cost
Interest, establishment and transaction fees, currency costs and early repayment or extension terms.
Know what you’re comparing
Different tools for different trading needs.
The BYRONS perspective
A cash-flow solution that fits your business.
As part of BYRONS’ accounting and advisory group, we look at the purpose, operating cycle and existing debt together. We can work with your accountant to understand the gap and present the supporting information.
We compare suitable bank and non-bank pathways, explain the facility obligations and coordinate the application. Availability depends on the business and provider’s assessment.
Common questions
Understand your options before you apply.
Is trade finance only for imports?
No. Some facilities can support eligible domestic purchases as well as imports or exports. The goods, supplier, transaction and repayment cycle must fit the selected provider’s requirements.
How is trade finance different from invoice finance?
Trade finance generally supports purchases and supplier payments before sales proceeds arrive. Invoice finance releases cash against eligible invoices after goods have been delivered or services completed. Some businesses need both stages funded.
Do I need property security?
Not in every case. Security requirements depend on the business, facility size and transaction. A provider may require business security, guarantees or property; we confirm the actual terms rather than assuming a facility is unsecured.
How long can each purchase be financed?
The approved drawing period needs to match the trading cycle and the provider’s policy. We assess production, shipping, stock holding and collection periods. Each drawing must be repaid by its agreed maturity unless an extension is approved.
What documents will you need?
Typically business financials, recent bank statements, purchase orders or supplier invoices, supplier terms, details of goods and countries involved, stock information and customer payment terms. Shipping documents, forecasts and existing facility details may also be needed.
Can trade and invoice finance work together?
Potentially. The facilities must have compatible security, collection and repayment arrangements. We check for overlapping funding and existing charges so the same transaction is not funded twice.
See how the funding can fit
An illustrative business scenario.
Your next step
Tell us about your trading cycle.
Share what you buy, how much funding you need and when you expect to be paid. We’ll respond within 1 full business day.
Estimates are fine for the initial discussion. We’ll request financial reports and transaction documents securely when needed.
(02) 8377 9006Facilities are subject to eligibility, credit assessment, security and terms. Fees may apply; any applicable broker fees will be explained before you proceed.