Trade Finance

Bridge the gap between orders and payment with the right trade finance structure.

Trade finance sits across a broad range of facilities from letters of credit and import loans through to debtor finance and supply chain funding. The right structure depends on what's actually driving the need.

A one-off large order calls for a different approach than a business dealing with a shift in payment timing from a key customer. Both are different again from a business that has grown to a point where its trading cycle needs a structural funding solution built around it.

With backgrounds in financial modelling and commercial advisory, we can work through the numbers with you before you commit to a facility. Stress-testing timing scenarios or simply giving you a clear picture of which type of finance fits your situation.

We structure trade finance facilities across Australia and work with lenders who understand the commercial realities of importing, exporting, and managing the gap between outlay and receipt. If your business is navigating a trade finance question straightforward or complex, we're well placed to help you think it through.

Getting Trade Finance

Obtaining Trade Finance

1. Understanding What's Driving the Need

Trade finance isn't one product — it's a category that spans letters of credit, import and export loans, debtor finance, supply chain facilities, and more.

The starting point is always understanding what's actually creating the funding gap: is this a one-off large order, a shift in how a key customer is paying, or a structural issue that's emerged as the business has grown? That distinction shapes everything that follows.

2. Modelling the Position

Before recommending a facility, we work through the numbers with you. That means mapping your trading cycle, understanding the timing between outlay and receipt, and stress-testing different structures against your cash flow.

For businesses navigating a more complex position, this stage can also include scenario analysis — giving you a clear picture of the financial impact before you commit.

3. Identifying the Right Structure

With the position modelled, we identify which type of facility fits. A letter of credit works differently to an import loan; debtor finance addresses a different problem than a supply chain facility.

We'll explain the commercial logic of each option clearly, without pushing you toward a product before we understand your situation.

4. Lender Selection and Application

We work with lenders who understand the commercial realities of trade — importing, exporting, and managing the gap between outlay and receipt.

Once we've identified the right structure, we manage the application process, prepare documentation, and liaise directly with the lender on your behalf.

5. Approval and Drawdown

Once approved, we'll walk you through the facility terms, drawdown conditions, repayment structure, and any ongoing obligations so there are no surprises.

We coordinate with all relevant parties to ensure funds are available when your trading cycle requires them.

6. Ongoing Review

Trade finance needs change as businesses change. A facility that fits today may need revisiting if your order volumes shift, your supplier terms change, or your business moves into new markets.

We stay across your position and can reassess the structure when it makes sense to do so.