Trade and supplier facility finance
Pay your suppliers now, repay once the stock sells
A revolving trade facility that settles your supplier invoices, local or overseas, so you can buy stock and materials today without draining the account. Up to $500,000, low-doc, fast to set up.
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Bridge the buy-now-sell-later gap
Buy the stock now, pay when it has earned
Importers, wholesalers and retailers all run the same gap: suppliers want paying up front, but the cash does not come back until the goods are sold or the invoice is paid. A trade facility closes that gap. We pay the supplier on your behalf, you take delivery and sell, then repay the facility once the money lands.
Set-up is fast and low-doc, the line revolves as you trade, and because we work across more than 40 lenders you are matched to the one that prices your stock cycle best. If your gap is more about slow-paying customers than buying stock, see our cashflow finance, or for asset purchases look at business equipment finance, or just tell us your scenario.
What you can use it for
Put the facility to work however your business needs it.
Import orders from overseas
Pay offshore suppliers in full so your container ships, then repay once the goods land and sell.
Bulk and seasonal stock buys
Take the volume discount or stock up for peak season without tying up your working capital.
Wholesale and distribution
Settle supplier invoices on time and hold inventory while you wait on your own trade customers.
Retail replenishment
Keep shelves and warehouse full through busy runs without waiting for last month's sales to clear.
Raw materials for production
Buy the components and materials a job needs now, and repay once the finished product is invoiced.
Supplier early-payment discounts
Use the facility to pay early, capture the discount, and let the saving cover much of the cost.
Why businesses choose Ventas
Your cash stays in the business
The facility pays the supplier, not your account, so wages, rent and growth keep their funding while your stock is in transit.
A line that revolves as you trade
Pay a supplier, sell the goods, repay, draw again. The facility refreshes with your stock cycle instead of needing a new loan each time.
Local or overseas suppliers
We can settle invoices with suppliers here in Australia or offshore, so importers and domestic buyers are both covered.
Order ready to place? Let us pay the supplier.
Send us the supplier invoice or order and a few details, and we will come back with an indicative facility and rate fast, then handle the lender legwork for you.
Free repayment estimator
See an indicative monthly repayment
Estimate only and not an offer of finance. Actual rates, terms and repayments depend on the asset, the lender and your circumstances. Get a free rate quote for real numbers.
Get my real numbersTrade facility finance, Australia-wide
Wherever your business trades and wherever your suppliers are, we can help. We arrange trade and supplier facilities for importers, wholesalers and retailers right across the country.
Common questions
Trade Facility Finance, explained
How much can I borrow on a trade facility?
Trade facility finance runs up to $500,000. The limit set for your business depends on your stock cycle, your suppliers and your profile. The fastest way to a real figure is a free rate quote.
How does a trade facility actually work?
It is a revolving line that pays your suppliers on your behalf. We settle the invoice, you receive and sell the goods, then you repay the facility once the sale or the customer invoice is paid. The line then frees up again for your next order.
Can it pay suppliers overseas as well as in Australia?
Yes. The facility can settle invoices with local suppliers or with offshore suppliers on an import order, which is why importers, wholesalers and retailers all use it. Tell us where your suppliers are and we will match it to the right lender.
How fast can a facility be set up?
Set-up is fast and low-doc. Once we have your details and a sample supplier invoice or order, an indicative facility can usually come back within a couple of business days, often sooner on clean, straightforward applications.
Do I need full financials to apply?
Often not. Low-doc options mean many trade facilities are arranged without full financials or tax returns. We focus on your stock cycle and your suppliers, then match you to a lender across our panel of more than 40.
How is this different from cashflow finance or a business loan?
A trade facility is built to pay suppliers for stock you are about to sell, so it revolves with your buying cycle. Cashflow finance is geared more to bridging slow-paying customer invoices, and a business loan is a lump sum repaid on a fixed schedule. If you are not sure which fits, we will point you to the right one.