Trade Finance

Trade Finance (import finance, export finance, purchase order finance and supply chain finance) can be a cost effective way of funding your business and without the need of the owners to provide property security. 

For importers, trade finance typically works by the lender making the payments to your suppliers (domestic or international) and your business repaying these amounts within an agreed time (up to 180 days). These facilities can be structured to suit your business requirements.  

For exporters, there are a variety of funding options available that will depend upon the terms of trade and product being sold.

Interest rates on trade finance facilities can start around the 4% p.a range with bank lenders and from 6% p.a with non-bank lenders.

See below for more information and apply for your trade finance facility or click here for a recent article on how trade finance works for businesses.

Trade Finance

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Benefits of Trade Finance

Benefits of trade finance for businesses:

  • Cost effective form of financing;
  • Typically no property security required;
  • Funding available in mulitple currencies;
  • Tailored to your business funding requirements.

Benefits of using CreditSME to arrange your trade finance facility:

  • Experienced lending professionals assisting you through the loan process;
  • Complete independence from any lenders to ensure unbiased recommendations;
  • Access to over 60 bank and non-bank lenders;
  • Same day and genuine indicative loan terms from lenders; and
  • A streamlined and fast tracked loan application and approval process

Trade Finance Alternatives

Bank facility

  • Finance in mutliple currencies
  • Low interest rates (from 3.5%)
  • Integrated FX offering
  • Secured over business

Non-bank facility

  • Finance in multiple currencies
  • Rates from 7%
  • Intergrated FX offering
  • Can be unsecured
  • Can be in addition to bank facility
  • Terms to 150 days

Structured facility

  • Unsecured
  • Tailored to funding requirements
  • Additional to bank facility
  • Rates from 5%
  • Terms to 180 days

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