Trade Finance
Pay suppliers now. Sell later.
Major Features of Trade Finance
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Supplier Paid Directly
We pay your local or overseas supplier — you don’t need to front the cash
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100% of Order Value Covered
Finance includes freight, GST, and import costs — no deposit required
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No Property Required
Backed by the transaction, not your home
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Repay When Stock Sells
Terms aligned with your cash flow and sales cycle
What is Trade Finance?
It gives you the funds to pay suppliers upfront — so you can land big orders and
repay once the goods are sold.
See if this is for you:
- You’ve landed a deal but need stock to fill it
- Your supplier wants payment upfront — but your customers don’t
- You’re scaling fast and need help funding orders
What You Should Know About
Trade Finance
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Facilities are short term — usually 30 to 180 days
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Funds are paid directly to suppliers, not into your account
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Some lenders offer low-doc approvals
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You’ll need a clear plan to repay — sales history or strong forecasts
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How Does Trade Finance Work?
Leah runs a skincare and distribution brand.
She secured a national retail deal — but needed $80k upfront to pay her overseas
supplier.
She didn’t want to miss the opportunity.
We set her up with a Trade Finance facility that covered 100% of the supplier
invoice.
The goods landed. Orders shipped. Cash came in.
She repaid the facility once the stock sold.
Pros and Cons of Trade Finance
Pros:
- Cover 100% of supplier costs without using working capital
- Take on bigger orders without missing a beat
- Short-term facility that aligns to your sales cycle
Cons:
- Not suitable without a clear sales or repayment plan
- Some lenders may require full financials or trade history
How Much Can I Borrow?
You can borrow up to 100% of your supplier invoice, including freight, GST, and
logistics.
Typical facility limits range from $20k to $5 million, based on:
• Your turnover and trading history
• Your gross margins
• The size and strength of the order
FAQs
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How long does setup take?
Most facilities are approved within 3–7 business days. We’ll guide you through what’s needed.
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How is Trade Finance different from a line of credit?
It’s tied to supplier payments — the lender pays them directly. It’s often cheaper and better structured for inventory-based businesses.
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How do repayments work?
You usually repay in full once the stock is sold — terms range from 30 to 180 days.
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Do I need to offer property as security?
You usually repay in full once the stock is sold — terms range from 30 to 180 days.
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Can I use Trade Finance without confirmed orders?
Yes — if you have a strong sales plan or repeat purchase history, it’s often enough
What Clients Say
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“My company has been a client of Sean McHugh since 2020. McHugh’s Financial Services goes outside the box and finds workable solutions. We really appreciate what he does for us and finds results.”
PacificStar Airline Management
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“Easy to work with, good experience, open and honest conversations”
Western Independent Foods
Need fast funding for your business?
We’ll help you pay suppliers—no property, no paperwork drama.
