You’ve landed a massive contract with a national retailer. Congratulations! Now comes the panic. You need to manufacture or import the stock now, but your customer won’t pay you for 90 days.
This is the "Supply Chain Cash Crunch," and it kills growing businesses every day. You are profitable on paper, but you have no cash to fulfil the orders.
What is Trade Finance?
Trade Finance is a revolving facility designed specifically to pay your suppliers—whether they are a factory in China or a wholesaler in Sydney.
- We pay your supplier: The lender pays 100% of the invoice upfront.
- You get the goods: You ship, manufacture, or sell the product.
- You pay us back: You repay the lender up to 120 days later, once you have sold the goods.
Winning the Margin Game
In 2026, purchasing power is everything. If you have a Trade Finance facility, you are effectively a cash buyer.
- Negotiate Discounts: Ask your supplier for a 5% "Early Settlement Discount" if you pay today. This discount often covers the cost of the finance interest!
- Beat Inflation: Use the facility to buy bulk stock at today's prices, locking in your margin before supplier rates rise.
Protecting Your Working Capital
Most importantly, this keeps your overdraft and cash reserves free for wages, rent, and marketing. You are using the bank's money to fund the cost of goods sold.
Stop turning down orders because you can't fund the stock. Ask us about a Trade Finance facility today and start saying "Yes" to growth.
