Trade Finance Solutions Australia

Australia is one of the most trade-dependent economies in the world. More than $700 billion in goods and services cross Australian borders each year. The businesses behind that trade — importers bringing products from China, Vietnam, India, Germany, Japan and the United States, and exporters shipping agricultural commodities, resources, education services, wine, beef and manufactured goods to over 100 countries — all face the same structural challenge: the timing gap between paying for goods and being paid for them.

An Australian retailer who orders a container of furniture from a Vietnamese manufacturer must typically pay a deposit of 30% at order and the balance of 70% before or at shipping — months before the goods arrive, clear customs, are delivered and sold. The cash tied up in that one container represents 3 to 5 months of working capital locked in inventory transit. Multiply this across a year of trading and the cumulative working capital requirement is substantial. Trade finance solves this problem. It funds the gap between commitment to pay and receipt of goods or payment from customers.

Australian Finance & Loans is an independent finance broker with access to over 50 lenders including specialist trade finance providers, banks with dedicated trade desks, and non-bank trade finance facilities. This page covers every major trade finance product used by Australian importers and exporters, the specific documents and instruments involved, how Australian Free Trade Agreements affect your landed cost calculations, the Austrade EMDG export grant program that no trade finance page discusses, and the foreign exchange risk management tools that sit alongside trade finance.

Import Finance: Funding the Gap Between Paying and Selling

Import finance covers the period between when an Australian importer must pay their overseas supplier and when the goods are sold and revenue is received. This is the most common trade finance product used by Australian businesses and the one with the most practical day-to-day impact on cash flow.

How import finance works

An import finance facility establishes a pre-approved credit limit that the importer draws against when paying overseas suppliers. The facility advances the payment to the supplier on the importer's behalf. The importer repays the facility when the goods are sold (typically 60 to 150 days from drawing). The facility revolves: as one drawing is repaid, the credit is available again for the next import order. This converts the front-loaded payment requirement of international trade into a cash flow that matches the importer's revenue cycle.

What import finance covers

• Supplier payments: the invoice amount for goods purchased from overseas manufacturers and distributors

• Freight and insurance: international freight (sea freight, air freight), marine insurance and associated logistics costs can be included in the facility

• Customs duty and GST: import duty payable to the Australian Border Force and the 10% GST on the customs value of imported goods can be funded through the facility, eliminating the upfront duty payment that ties up cash at customs clearance

• Currency: most import finance facilities fund payments in AUD, USD, EUR, GBP, JPY, CNY and other major trading currencies

Who uses import finance

• Retailers and e-commerce businesses importing from China, Vietnam, India, Bangladesh and other manufacturing countries

• Wholesale distributors importing branded goods for resale to Australian retailers

• Manufacturers importing raw materials, components and sub-assemblies for Australian production

• Agricultural businesses importing equipment, inputs or packaged products

• Any business that pays overseas suppliers 30 to 90 days before receiving payment from Australian customers

Import finance facility sizes and costs

Import finance facilities typically range from $100,000 to $10,000,000 depending on the importer's annual purchase volume. For most SME importers, a facility of $200,000 to $2,000,000 covers seasonal and year-round import programs comfortably. The cost of import finance is typically expressed as an all-inclusive rate per annum applied to the drawn balance: rates range from approximately 6% to 10% per annum for well-qualified importers with established trading histories.

Letters of Credit: Payment Security in International Trade

A Letter of Credit (LC) is a conditional payment undertaking issued by a bank on behalf of an importer (the applicant) to an overseas exporter (the beneficiary). It commits the bank to pay the exporter a specified amount when the exporter presents compliant shipping documents to the bank within the LC's validity period. Letters of Credit are the gold standard payment instrument for international trade because they provide payment security for both the exporter (payment guaranteed by the bank, not just the importer) and the importer (payment is conditional on compliant documents proving the goods were shipped as agreed).

How a Letter of Credit works in practice

Step 1: The importer and exporter agree to trade on LC terms in the sales contract. Step 2: The importer instructs their bank to issue an LC in favour of the exporter. The LC specifies: the amount, the goods description, the shipping conditions, the latest date of shipment, and the documents the exporter must present to receive payment (commercial invoice, packing list, bill of lading, certificate of origin, insurance certificate). Step 3: The importer's bank issues the LC and transmits it to the exporter's bank via the SWIFT banking network (typically as an MT700 message). Step 4: The exporter ships the goods and presents compliant documents to their bank. Step 5: The bank examines the documents. If compliant, it pays the exporter. The bank then presents the documents to the importer's bank for reimbursement, and the importer pays the bank or draws on their import finance facility.

Types of Letters of Credit

• Sight LC: payment is made immediately upon presentation of compliant documents. Used where the exporter requires immediate payment on shipment

• Usance (deferred payment) LC: payment is deferred for a defined period after the bill of lading date or after sight, typically 30, 60, 90 or 180 days. This gives the importer time to receive and sell the goods before payment falls due

• Revolving LC: a single LC that renews automatically for successive shipments over a defined period. Reduces the cost and administration of issuing a new LC for every shipment from the same supplier

• Standby LC: not a payment instrument for goods but a guarantee of payment or performance. The beneficiary can draw on a standby LC if the applicant fails to perform a contractual obligation. Used as an alternative to a bank guarantee in some trade contexts

• Red clause LC: includes a clause allowing the exporter to draw an advance against the LC before shipment, typically to fund production or pre-shipment costs

When to use a Letter of Credit

• New supplier relationships where the importer and exporter have not yet established mutual trust and a trading history

• High-value single orders where the importer needs document control as a condition of payment

• Countries where open account trading is commercially risky due to political, economic or legal uncertainty

• Export sales where the overseas buyer's bank quality is uncertain and the Australian exporter wants payment guaranteed by a known international bank

• Tender requirements: some government and institutional buyers require suppliers to accept payment on LC terms

LC costs for Australian businesses

The cost of issuing an LC through an Australian bank includes: an issuance fee (typically 0.5% to 1.5% of the LC amount per quarter), a SWIFT transmission fee ($50 to $200), an amendment fee if the LC terms need to be changed ($100 to $300 per amendment), and in the case of usance LCs, an acceptance or deferred payment fee for the credit period. Total LC costs for a $100,000 trade transaction typically range from $500 to $2,000 for a 90-day facility. These are small relative to the risk management benefit they provide in new or uncertain trading relationships.

Documentary Collections: A Lower-Cost Alternative to LCs

A documentary collection is a payment mechanism where the exporter's bank (the remitting bank) sends shipping documents to the importer's bank (the collecting bank) with instructions to release the documents only against payment or acceptance of a bill of exchange. Documentary collections are cheaper than Letters of Credit because the banks do not guarantee payment — they only handle the documents. The payment risk remains with the exporter.

Documents Against Payment (D/P)

Under a D/P collection (also called cash against documents), the exporter's bank instructs the importer's bank to release the shipping documents (including the bill of lading, which is the title document for sea freight cargo) only against immediate payment. The importer cannot collect the goods from the shipping line without the bill of lading. This provides the exporter with reasonable security: the importer must pay to take delivery. D/P collections are appropriate for established trading relationships where payment risk is acceptable but a lower-cost alternative to an LC is desired.

Documents Against Acceptance (D/A)

Under a D/A collection, the importer's bank releases the shipping documents against the importer's acceptance of a bill of exchange (a formal promise to pay) for a future date. The importer takes delivery of the goods immediately but pays on the agreed future date. This is a credit sale: the exporter provides credit to the importer. D/A collections carry more risk for the exporter than D/P because the importer has the goods before payment is received.

When to use documentary collections

• Established trading relationships where the exporter has confidence in the importer's willingness and ability to pay

• Markets where LC-based trading is standard but the cost is prohibitive for smaller orders

• Transitioning established open account trading to a documented arrangement for larger orders

• When the importer does not require the payment guarantee that an LC provides to the exporter

Supply Chain Finance: Optimising Cash Flow Across the Buyer-Supplier Relationship

Supply chain finance (SCF), also called reverse factoring or buyer-led finance, is a working capital solution that allows buyers to extend their payment terms to suppliers while enabling suppliers to receive early payment from a finance provider. It addresses one of the most common tensions in supply chains: buyers want longer payment terms to preserve their cash flow, while suppliers want faster payment to fund their operations.

How supply chain finance works

A buyer establishes an SCF program with a finance provider. When the buyer approves a supplier invoice, the supplier can offer the approved invoice to the SCF provider for early payment at a discount rate (typically reflecting the buyer's credit quality rather than the supplier's). The buyer pays the SCF provider on the agreed payment term (which may now be extended to 60, 90 or 120 days). The supplier receives 98% to 99.5% of the invoice value within 24 to 48 hours. The buyer preserves their cash for the full extended payment term.

Who benefits from supply chain finance

• Large buyers: extend payment terms to 60 to 120 days without damaging supplier relationships

• Suppliers: access early payment at a cost reflecting the buyer's credit quality, which is typically lower than the supplier's own borrowing cost

• Both parties: improved working capital positions without the risk of payment disputes or supply chain disruption

• Most effective where the buyer has a materially stronger credit profile than the supplier, enabling the supplier to access finance at a rate lower than they could negotiate independently

Export Finance: Supporting Australian Exporters

Export finance supports Australian businesses selling goods and services to overseas buyers. The primary challenge for Australian exporters is the timing gap between delivering goods or services and receiving payment from overseas customers, compounded by the additional risks of dealing with buyers in foreign jurisdictions where legal recourse is more complex.

Export invoice finance

Export invoice finance advances up to 80% to 85% of the value of outstanding export invoices immediately on issue, without waiting for the overseas buyer to pay. The finance provider manages the credit risk of the overseas buyer. When the overseas customer pays, the remaining balance less the facility fee is released to the Australian exporter. This converts overseas trade receivables into immediate working capital.

Pre-shipment finance

Pre-shipment finance funds the production or procurement costs of filling an export order before the goods are shipped. An Australian manufacturer with a confirmed export purchase order needs to buy materials, fund labour and production before shipment and before any payment is received. Pre-shipment finance advances funds against the confirmed purchase order or a Letter of Credit issued by the buyer's bank. It bridges the production-to-payment gap for order-based exporters.

Export credit insurance (ECI)

Export credit insurance protects Australian exporters against non-payment by overseas buyers due to commercial risk (buyer insolvency, payment default) and political risk (war, government actions, currency inconvertibility). ECI is provided by private insurers including Atradius, Coface and Euler Hermes, and by the Export Finance Australia (EFA) government export financing agency. Many export finance facilities require ECI as a condition of the advance because it transfers the overseas buyer default risk to the insurer.

Export Finance Australia (EFA)

Export Finance Australia is the Australian Government's export finance agency, established to support Australian exporters in accessing finance for export transactions that commercial banks may not fully support. EFA provides direct loans, guarantees and bonding products for exporters, with particular focus on capital goods, infrastructure projects, defence and resource sector exports. EFA's loan products are complementary to, not competitive with, commercial bank finance. For Australian exporters pursuing large contracts in emerging markets or complex infrastructure projects, EFA's government backing can enable transactions that would be commercially unfundable.

Australian Free Trade Agreements and Import Duty Savings

Australia has Free Trade Agreements (FTAs) with many of its major trading partners. These agreements reduce or eliminate import duties on eligible goods, creating material cost savings for Australian importers who correctly identify and claim FTA preferential tariff rates. Trade finance that does not account for FTA duty savings is leaving money on the table in the landed cost calculation. No other Australian trade finance page addresses FTA duty savings in any depth.

Australia's major FTAs and the duty savings available

• Australia-China FTA (ChAFTA): most goods from China now attract 0% duty under ChAFTA. This eliminated significant duty costs for Australian importers of Chinese-manufactured goods. Correctly claiming ChAFTA preferences requires a Certificate of Origin from the Chinese manufacturer and correct HS code classification

• Australia-ASEAN-New Zealand FTA (AANZFTA) and CPTPP (Comprehensive and Progressive Agreement for Trans-Pacific Partnership): covers Australia's major ASEAN trading partners including Vietnam, Malaysia, Thailand and Indonesia. Most manufactured goods from these countries attract 0% or near-0% duty under AANZFTA and CPTPP. Vietnam in particular has become a major manufacturing alternative to China; correct CPTPP origin compliance is essential for importers sourcing from Vietnamese factories

• Australia-Japan FTA (JAEPA): substantial duty reductions on Japanese goods including automotive components, machinery and electronics

• Australia-Korea FTA (KAFTA): eliminates most duties on Korean goods

• Australia-India ECTA (Interim Agreement): phased duty reductions on Indian goods

• Australia-UK FTA: operational from mid-2023, eliminates most duties on UK goods

• Australia-EU FTA: negotiations substantially complete at time of writing

How duty savings affect the landed cost calculation and trade finance

A $500,000 shipment of manufactured goods from China attracting a base duty rate of 5% has a duty cost of $25,000. Under ChAFTA with 0% duty and correct origin documentation, that $25,000 duty is eliminated. This reduces the importer's landed cost by $25,000 and reduces the import finance draw required by $25,000. Multiplied across an annual import program of $3,000,000, correct FTA claiming saves $150,000 per year in duties. For importers who are not currently using a licensed customs broker with FTA expertise, reviewing their HS code classifications and origin documentation is one of the highest-return compliance investments available. We work alongside customs brokers and refer clients to FTA compliance specialists as part of our import finance advisory process.

The Austrade EMDG Program: Export Grants That Work With Trade Finance

The Export Market Development Grants (EMDG) program is an Australian Government grant that reimburses eligible Australian exporters for up to 50% of their eligible export marketing expenditure. For businesses actively pursuing export sales, the EMDG is a genuine, material cash benefit that can be used to fund the working capital costs of export development, including the costs of trade finance during the export development phase.

What EMDG covers

• International marketing and promotional activities including overseas travel, trade fairs, marketing materials, advertising in overseas markets

• Free samples provided to overseas customers

• Expenses of overseas representatives and agents

• Intellectual property registration in overseas markets

• Approved export marketing consultants

How much EMDG pays

From the 2023-24 financial year, EMDG provides automatic grants (not competitive) to eligible exporters. Tier 1 applicants (less than $20M in revenue) can receive grants of $10,000 to $150,000 per year depending on eligible expenditure. Tier 2 applicants (up to $50M revenue) can receive $10,000 to $50,000 per year. Applications are lodged after the financial year end and grants are paid within months of lodgement. We advise export-oriented clients on the interaction between EMDG claims and their trade finance facilities, and refer to specialist EMDG consultants for claim preparation.

Foreign Exchange Risk Management

Every Australian business that pays overseas suppliers or receives payment from overseas customers is exposed to foreign exchange (FX) risk. The AUD/USD exchange rate alone has ranged from approximately USD 0.57 to USD 0.81 over the past five years — a 40% variation. A $1,000,000 payment obligation in USD that was worth AUD 1,235,000 at 0.81 costs AUD 1,754,000 at 0.57. The difference of $519,000 on a single payment obligation is not a rounding error: it is a business-critical exposure. FX risk management is not optional for significant importers and exporters.

FX Forward Contracts

A forward contract locks in an exchange rate today for a currency transaction at a future date. An Australian importer who must pay USD 500,000 in 90 days can lock in today's exchange rate by entering a 90-day forward contract. If the AUD weakens against the USD over those 90 days, the forward contract protects the importer against the higher AUD cost. If the AUD strengthens, the importer does not benefit from the better rate (that is the cost of certainty). Forward contracts provide certainty of cost for budget purposes and eliminate the downside of adverse currency movements.

FX Options

An FX option gives the holder the right, but not the obligation, to exchange currency at a specified rate on or before a specified date, in exchange for an upfront premium. Options allow a business to participate in favourable exchange rate movements while limiting the downside of adverse movements. They are more flexible than forward contracts but more expensive due to the option premium. Options are appropriate where the business has uncertain payment timing or wants to preserve the ability to benefit from favourable rate movements.

Natural hedging

Natural hedging means structuring the business to reduce FX exposure without financial instruments. For example, an importer who pays for goods in USD and has some USD-denominated sales can offset the USD payable against the USD receivable, reducing the net USD exposure that requires hedging. Natural hedging is the lowest-cost FX risk management approach where it is structurally available.

Important note on FX advice

Australian Finance & Loans arranges trade finance facilities and can connect clients with specialist FX providers and advisory services. We are not authorised to provide FX advice or to arrange FX hedging products under our Australian Credit Licence. Clients requiring FX hedging solutions should engage an authorised FX service provider or contact their bank's FX desk. We make these referrals as part of our trade finance advisory process.

Trade Finance Facility Details

Facility Amounts

Import finance facilities from $100,000 to $10,000,000+ for SME to mid-market importers. LC facilities from $50,000 to $50,000,000 for individual transactions or revolving annual programs. Supply chain finance programs from $500,000 upward for buyer-initiated programs. Export invoice finance from $50,000 to $5,000,000+. Pre-shipment finance from $100,000 to $5,000,000 against confirmed purchase orders or export LCs.

Facility Costs

Import finance: typically 6% to 10% per annum on the drawn balance plus establishment fee. LC issuance: 0.5% to 1.5% per quarter of LC face value plus SWIFT and document fees. Supply chain finance: early payment discount typically 1.5% to 4% per annum reflecting buyer credit quality. Export invoice finance: facility fee of 1.5% to 3% per month on drawn balance. All costs are individually assessed based on the business's trading volume, credit profile and risk characteristics.

Approval and Establishment

Import finance facility establishment: 5 to 15 business days for initial setup including credit assessment. LC issuance (once facility is in place): 24 to 48 hours per LC. Export invoice finance facility: 5 to 10 business days for initial assessment; subsequent advances within 24 hours. Supply chain finance program establishment: 2 to 4 weeks for initial program setup and supplier onboarding.

Frequently Asked Questions About Trade Finance in Australia

What is trade finance and does my business need it?

Trade finance is any financial product that supports the flow of goods and services across borders or between buyers and sellers in a supply chain. If your business imports goods from overseas suppliers and pays them before receiving revenue from selling those goods in Australia, you need import finance to avoid locking up working capital in transit inventory. If your business exports and has to wait 30 to 90 days for overseas buyers to pay, you need export invoice finance or pre-shipment finance. If you are entering a new supplier relationship and want payment security, you need a Letter of Credit. If you are exposed to currency movements on international payments, you need FX risk management. Most businesses involved in international trade need at least one trade finance product.

What is a Letter of Credit and when should I use one?

A Letter of Credit is a bank-issued conditional payment undertaking that guarantees payment to an overseas exporter when specified shipping documents are presented. It protects the importer because payment is conditional on correct documentation proving the goods were shipped as agreed. It protects the exporter because payment is guaranteed by the bank rather than depending solely on the importer. Use an LC for new supplier relationships, high-value orders, or trading in jurisdictions where open account is commercially risky. LCs cost 0.5% to 1.5% of the transaction value per quarter plus bank fees.

What is the difference between a Letter of Credit and a documentary collection?

A Letter of Credit involves the bank guaranteeing payment: the bank commits to pay the exporter when compliant documents are presented, regardless of the importer's financial position. A documentary collection involves the banks only handling documents: they release the documents to the importer against payment (D/P) or acceptance of a bill (D/A), but the banks do not guarantee payment. LCs provide higher security for the exporter but cost more. Documentary collections are cheaper but leave the exporter exposed to importer default. Use LCs for new relationships or higher risk; documentary collections for established relationships where payment risk is accepted.

How do Australian Free Trade Agreements affect my import costs?

Australia's FTAs with China (ChAFTA), ASEAN countries (AANZFTA and CPTPP), Japan (JAEPA), Korea (KAFTA), India (ECTA), the UK and other partners eliminate or reduce import duty on most eligible goods from those countries. A Chinese manufacturer's goods that would normally attract 5% duty import at 0% under ChAFTA with correct Certificate of Origin documentation. For an importer buying $1,000,000 per year from China, this saves $50,000 per year in duties. Correct HS code classification and origin documentation are essential. We recommend working with a licensed customs broker to confirm FTA eligibility for your specific goods.

What is supply chain finance and how does it help Australian businesses?

Supply chain finance (SCF) allows buyers to extend their payment terms to suppliers (improving buyer cash flow) while enabling suppliers to receive early payment from a finance provider at a cost reflecting the buyer's credit quality (improving supplier cash flow). The finance provider pays the supplier immediately on invoice approval; the buyer repays the finance provider on the extended term (often 60 to 120 days). SCF is most effective where a larger, more creditworthy buyer sources from smaller suppliers who have a higher cost of capital. Both parties improve their working capital position without changing the fundamental trading terms.

What is export credit insurance and do I need it?

Export credit insurance (ECI) protects Australian exporters against non-payment by overseas buyers due to commercial risk (buyer insolvency, prolonged default) and political risk (government actions, war, currency inconvertibility). It is provided by private insurers including Atradius, Coface and Euler Hermes, and by Export Finance Australia. Many export invoice finance facilities require ECI as a condition because it transfers the overseas buyer default risk to the insurer. If your business has significant overseas receivables concentrated in a small number of buyers, ECI protects against catastrophic loss from a single buyer default.

What is the EMDG program and how much can my business receive?

The Export Market Development Grants (EMDG) program reimburses eligible Australian exporters for up to 50% of their eligible overseas marketing expenditure. Tier 1 applicants (under $20M revenue) can receive $10,000 to $150,000 per year. Applications are lodged after the financial year end. EMDG covers international travel, trade fairs, overseas marketing materials, overseas representative costs and intellectual property registration in export markets. For businesses spending $50,000 to $300,000 per year on export marketing, EMDG can be a very material cash benefit. We refer clients to specialist EMDG consultants for claim preparation.

How does import finance interact with GST and customs duty?

When goods enter Australia, the importer pays customs duty (if applicable) and GST (10% on the customs value plus duty) to the Australian Border Force before the goods are released. These upfront payments can be substantial — on a $500,000 shipment with 5% duty, the combined duty and GST cost is approximately $52,500 payable before the goods can be picked up. An import finance facility can fund these costs as part of the total landed cost, eliminating the need to have the duty and GST cash available at the time of clearance. The GST paid is subsequently claimable on the importer's BAS.

Can a new or early-stage importer get trade finance?

Yes. Import finance facilities are available for new and early-stage importers through specialist trade finance providers on our panel. New importer applications are strongest where the business has a clear, documented trading plan, the supplier relationship and first purchase order are confirmed, the principals have industry experience in the relevant product category, and the business has an active ABN and a bank account showing relevant activity. Import finance for new businesses typically requires a larger deposit or guarantor arrangement and attracts rates at the higher end of the range. We advise new importers on how to structure their first facility application.

What documents are typically required for an import finance application?

Initial facility application: ABN, director's identification, 2 years of financial statements or 6 months of bank statements for new or growing businesses, a description of the goods being imported, details of the overseas suppliers, the typical payment terms required by suppliers, and the anticipated annual import volume. For individual LC applications within an established facility: the purchase order or pro forma invoice from the supplier, the agreed shipping terms (Incoterms), and the requested LC amount and validity period. We guide clients through the documentation requirements for their specific trade finance application.

How is FX risk managed in an import finance facility?

Most import finance facilities fund payments in Australian dollars, converting the supplier's invoiced currency into AUD at the spot rate at the time of payment. This means the AUD cost of the import is determined by the exchange rate at the time of payment, which introduces FX risk if the currency moves unfavourably between the time the order is placed and the time of payment. To manage this risk, importers can arrange FX forward contracts through their bank or a specialist FX provider to lock in the exchange rate at the time of order. Australian Finance & Loans can refer clients to specialist FX providers but is not authorised to arrange FX products directly.

What are Incoterms and why do they matter for trade finance?

Incoterms (International Commercial Terms) are standardised trade terms that define the division of costs, risks and responsibilities between the buyer and seller in an international goods transaction. They determine at what point in the supply chain risk transfers from seller to buyer, and which party is responsible for arranging and paying for freight and insurance. The most common Incoterms in Australian import transactions are FOB (Free On Board — seller's responsibility ends when goods are loaded at the export port; buyer pays freight and insurance), CIF (Cost, Insurance, Freight — seller pays freight and insurance to destination port; risk transfers at export port) and DDP (Delivered Duty Paid — seller delivers to buyer's premises and pays all costs including duty). The Incoterm determines what costs are included in the import finance facility's draw.

Why Choose Australian Finance & Loans for Your Trade Finance

• Independent broker: we compare 50+ lenders including specialist trade finance providers and banks with dedicated trade desks

• Full product range: import finance, Letters of Credit, documentary collections, supply chain finance, export invoice finance, pre-shipment finance and export credit insurance

• FTA duty savings guidance: we highlight Free Trade Agreement opportunities and refer clients to licensed customs brokers for duty optimisation

• EMDG awareness: we advise export-oriented clients on the EMDG grant program and refer to specialist claim preparers

• LC expertise: we understand the mechanics of Documentary Credits including sight, usance, revolving and standby LC structures

• FX referrals: we connect clients with authorised FX service providers for forward contract and hedging solutions alongside their trade finance facility

• New importers and exporters: we work with first-time international traders to structure their first trade finance facility

• Cross-border experience: importers from China, Vietnam, India, Europe, USA and all major Australian trading partner countries served

• Melbourne-based team with national reach across all states and territories