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FOR IMPORTERS
Deposit due now. Stock lands in March.
Overseas suppliers want paying before they ship, and Lunar New Year (6 February 2027) closes factories for weeks. Your cash is gone long before the stock sells. We help find funding that matches your buying cycle.
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Funding for supplier deposits and balances
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Terms that may run past the stock’s arrival
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Major, non-major and private lenders
Make an enquiry
A broker will call you to discuss your options. No obligation.
SOUND FAMILIAR?
You pay months before you sell.
The deposit is due in December. Factories want orders locked in before Lunar New Year.
Stock lands in March. Then it still has to sell.
The balance is due before shipping. Often before a single unit reaches your warehouse.
Your cash is all in transit. Growth means bigger orders, and bigger gaps.
The factory shuts for Lunar New Year. Lunar New Year falls on 6 February 2027 and many factories close for weeks. The balance often needs paying before then.
Your supplier wants 100% up front. Newer supplier relationships often mean paying everything before the goods ship.
Trade lines are harder to find. Smaller importers can find trade finance limits hard to get, or hard to keep.
HOW WE HELP
Funding matched to your buying cycle.
Structure
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Trade finance for deposits and balances
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Terms that may run 150 to 180 days
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Repaid as stock sells
Lender fit
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Lenders who understand importing
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Options for growing importers
Timing
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Set up before the December deposit
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Mapped to shipping and selling dates
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Planned around Lunar New Year
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Clear on fees and FX costs before you sign
Tomorrow
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Limits that can grow with your order sizes
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A facility you can reuse each buying season
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Room for a new supplier or product line
WHAT IT CAN LOOK LIKE
A bigger order before Lunar New Year
Illustrative scenario
A homewares importer needs to place a larger winter order in December, with a 30% deposit now and the balance before shipping. Stock is due in March and sells through to June. The owner talks through trade finance to pay the supplier, with terms set around when the stock is likely to sell. Illustrative example only, not a real client. Every business is assessed on its own circumstances and lender criteria.
QUESTIONS
Common questions
What is trade finance?
Trade finance pays your overseas supplier for stock, and you repay the lender later, often after the goods arrive. Some facilities offer terms of 150 to 180 days. Terms depend on the lender and your business.
When should I set it up for Lunar New Year?
Ideally before your December deposit. Lunar New Year falls on 6 February 2027 and factories can close for weeks around it.
What do I need to have ready?
Usually your ABN, the supplier quote or invoice, recent business account statements, your import history and ID for the directors. Your broker confirms the list.
Can trade finance pay my overseas supplier directly?
Often, yes. Many trade finance facilities pay the supplier directly, then you repay over an agreed term.
How long do we need to have been importing?
It varies. Some lenders want an import history; others look at your overall trading and the order itself. We check what fits.
What does it cost and how do you get paid?
Costs depend on the lender, the product and your business. Your broker explains every fee and cost before you decide. We may be paid a commission by the lender or charge a fee, and we tell you before you apply. Subject to lender approval; fees and terms apply.
Tell us what’s going on.
A short call is usually enough to see whether funding could help now, and how it could be set up for what comes next. No obligation. Business purposes only. Subject to lender approval; fees and terms apply.