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.

$500K Low-doc 40+

Get your free rate quote

Tell us a few details and we will come back with your indicative rate. No obligation.

Please enter your first name.
Please enter your last name.
Please enter a valid email.
Please enter a valid phone number.
Please select an asset type.

No obligation, and no impact on your credit to enquire.

Thanks, we are on it

Your enquiry is in. Our team will be in touch shortly with your indicative rate and next steps.

Up to $500K
Fund the whole fit-out
24-48 hour approvals
Start the build sooner
Low-doc & no-doc
Minimal paperwork
40+ lenders
Matched to your project

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.

$500K
Maximum finance
24-48HR
Typical approval time
40+
Lenders on our panel

Why businesses choose Ventas

01

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.

02

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.

03

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.

Get a free rate quote

Free repayment estimator

See an indicative monthly repayment

Indicative monthly repayment
$0
per month, principal & interest
Total interest$0
Total repaid$0

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 numbers

Trade 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.

Albion Park Albury Alexandria Annandale Armidale Arncliffe Artarmon Ashfield Auburn Avalon Beach Ballina Balmain Bankstown Banora Point Bass Hill Bateau Bay Batemans Bay Bathurst Baulkham Hills Beaumont Hills Beecroft Bellevue Hill Belmore Belrose Berala Berkeley Vale Beverly Hills Bexley Blacktown Bondi Bondi Beach Bondi Junction Bonnyrigg Bossley Park Botany Bowral Bradbury Broken Hill Burwood Byron Bay Cabramatta Cameron Park Campbelltown Camperdown Campsie Canley Heights Canley Vale Canterbury Caringbah Caringbah South Carlingford Casino Castle Hill Casula Central Coast Cessnock Charlestown Chatswood Cherrybrook Chester Hill Chipping Norton Coffs Harbour Colyton Concord Condell Park Coogee Cooma Cowra Cranebrook Cremorne Cronulla Croydon Park Dapto Darlinghurst Dee Why Denham Court Deniliquin Doonside Drummoyne Dubbo Dulwich Hill Earlwood East Maitland Eastwood Edensor Park Edmondson Park Engadine Ermington Erskineville Fairfield Fairfield West Figtree Five Dock Forestville Forster Frenchs Forest Freshwater Georges Hall Gladesville Glebe Glen Innes Glenfield Glenmore Park Glenwood Goonellabah Gordon Gorokan Goulburn Grafton Granville Green Valley Greenacre Gregory Hills Greystanes Griffith Guildford Gunnedah Hamlyn Terrace Harrington Park Hay Hinchinbrook Homebush Homebush West Hornsby Horsley Hunters Hill Hurstville Ingleburn Inverell Jerrabomberra Jordan Springs Karabar Katoomba Kellyville Kellyville Ridge Kempsey Kensington Killara Kings Langley Kingsford Kingsgrove Kingswood Kirrawee Kogarah Lakemba Lane Cove Lane Cove North Lavington Leeton Leichhardt Leppington Leumeah Lidcombe Lindfield Lismore Lithgow Liverpool Lurnea Macquarie Fields Macquarie Park Maitland Manly Maroubra Marrickville Marsden Park Marsfield Mascot Matraville Mayfield Medowie Menai Merewether Merrylands Minto Miranda Mona Vale Moorebank Moree Mortdale Mosman Moss Vale Mount Annan Mount Druitt Mount Pritchard Mudgee Muswellbrook Narrabri Neutral Bay New Lambton Newcastle Newtown North Bondi North Kellyville North Parramatta North Rocks North Ryde North Sydney Northmead Nowra Oatley Oran Park Orange Paddington Padstow Panania Parkes Parramatta Peakhurst Penrith Penshurst Plumpton Port Macquarie Prestons Punchbowl Pymble Pyrmont Quakers Hill Queanbeyan Randwick Raymond Terrace Redfern Revesby Rhodes Richmond Riverstone Riverwood Rockdale Rooty Hill Rose Bay Roselands Roseville Rouse Hill Rozelle Rutherford Ryde Sans Souci Schofields Seven Hills Singleton Smithfield South Penrith Spring Farm St Clair St Ives St Marys Stanhope Gardens Strathfield Surry Hills Sutherland Sydney Sylvania Tamworth Taree Terrigal The Ponds Thornleigh Thornton Thurgoona Toongabbie Tumut Turramurra Tweed Heads Ulladulla Umina Beach Vaucluse Wagga Wagga Wahroonga Wallsend Waterloo Wattle Grove Wentworth Point Wentworthville West Hoxton West Pennant Hills West Ryde Westmead Wetherill Park Wiley Park Windsor Winston Hills Wolli Creek Wollongong Woonona Woy Woy Wyoming Yagoona Yass Young Zetland Abbotsford Alfredton Altona Altona Meadows Altona North Ararat Armstrong Creek Ascot Vale Avondale Heights Bairnsdale Ballarat Balwyn Balwyn North Bayswater North Beaumaris Belmont Benalla Bendigo Bentleigh Bentleigh East Berwick Blackburn Blackburn South Boronia Box Hill Box Hill North Braybrook Bright Brighton Brighton East Broadmeadows Brookfield Brunswick Brunswick East Brunswick West Bulleen Bundoora Burwood East Cairnlea Camberwell Carlton Carnegie Caroline Springs Carrum Downs Castlemaine Caulfield North Caulfield South Chadstone Cheltenham Chirnside Park Clayton Clayton South Clyde Clyde North Cobram Coburg Colac Collingwood Corio Craigieburn Cranbourne Cranbourne East Cranbourne North Cranbourne West Croydon Dandenong Dandenong North Darley Deer Park Derrimut Diamond Creek Dingley Village Docklands Doncaster Doncaster East Donvale Doreen Doveton Drouin Echuca Elsternwick Eltham Elwood Endeavour Hills Epping Essendon Fawkner Ferntree Gully Fitzroy Fitzroy North Footscray Forest Hill Frankston Frankston South Fraser Rise Geelong Gisborne Glen Iris Glen Waverley Glenroy Golden Square Greensborough Greenvale Grovedale Hallam Hamilton Hampton Hampton Park Harkness Hastings Hawthorn Hawthorn East Heathmont Highett Highton Hillside Hoppers Crossing Horsham Ivanhoe Kangaroo Flat Keilor Downs Keilor East Kerang Kew Keysborough Kialla Kilmore Kilsyth Kurunjang Kyneton Lalor Langwarrin Lara Leopold Lilydale Lynbrook Lyndhurst Macleod Maidstone Mallacoota Malvern Malvern East Manor Lakes Maribyrnong Meadow Heights Melbourne Melton Melton South Melton West Mentone Mernda Mickleham Mildura Mill Park Mitcham Moe Montmorency Moonee Ponds Mooroolbark Mordialloc Mornington Morwell Mount Eliza Mount Evelyn Mount Martha Mount Waverley Mulgrave Murrumbeena Myrtleford Narre Warren Narre Warren South Newport Nhill Noble Park Norlane North Melbourne Northcote Nunawading Oakleigh South Ocean Grove Officer Omeo Pakenham Parkdale Pascoe Vale Pascoe Vale South Point Cook Port Melbourne Portland Prahran Preston Reservoir Ringwood Ringwood East Ringwood North Rosanna Rosebud Rowville Roxburgh Park Rye Sale Sandringham Seaford Sebastopol Seymour Shepparton Somerville South Melbourne South Morang South Yarra Southbank Springvale Springvale South St Albans St Arnaud St Kilda St Kilda East Stawell Strathmore Sunbury Sunshine Sunshine North Sunshine West Surrey Hills Swan Hill Sydenham Tarneit Taylors Hill Taylors Lakes Templestowe Templestowe Lower Thomastown Thornbury Toorak Torquay Traralgon Truganina Vermont Vermont South Wallan Wangaratta Wantirna Wantirna South Warragul Warrnambool Wendouree Werribee West Footscray West Wodonga Wheelers Hill Whittlesea Williams Landing Williamstown Wodonga Wollert Wyndham Vale Yarraville Yarrawonga Albany Creek Alexandra Hills Algester Andergrove Annerley Arundel Ashgrove Ashmore Aspley Atherton Ayr Bardon Bargara Beaudesert Bellbird Park Benowa Biggenden Biggera Waters Biloela Birkdale Bli Bli Boondall Bowen Bracken Ridge Brassall Bray Park Bridgeman Downs Brisbane Brisbane City Browns Plains Buderim Bundaberg Burleigh Heads Burleigh Waters Burpengary Burpengary East Caboolture Cairns Calamvale Caloundra Camp Hill Capalaba Carina Carindale Carrara Carseldine Chapel Hill Charleville Charters Towers Chermside Clayfield Clermont Cleveland Collingwood Park Collinsville Coolum Beach Coombabah Coomera Coorparoo Crestmead Cunnamulla Currumbin Waters Dalby Deception Bay Eagleby Edmonton Eight Mile Plains Elanora Emerald Emu Park Everton Park Ferny Hills Forest Lake Fortitude Valley Frenchville Gladstone Gold Coast Goodna Goondiwindi Gracemere Greenbank Griffin Gympie Harristown Helensvale Hervey Bay Highfields Holland Park Home Hill Hope Island Inala Indooroopilly Innisfail Ipswich Kallangur Kangaroo Point Kearneys Spring Kedron Kelso Kenmore Kingaroy Kippa-Ring Kirwan Kuraby Labrador Little Mountain Logan Loganlea Longreach Mackay Mango Hill Manly West Mansfield Mareeba Maroochydore Marsden Maryborough Mermaid Waters Miles Mitchelton Mooloolaba Moorooka Moranbah Morayfield Moreton Bay Morningside Mount Gravatt East Mount Isa Mount Louisa Mount Sheridan Mountain Creek Mudgeeraba Murrumba Downs Nambour Narangba Nerang New Farm Noosa Noosaville Norman Gardens North Lakes Nundah Ormeau Oxenford Oxley Pacific Pines Palm Beach Parkinson Parkwood Peregian Springs Petrie Pimpama Proserpine Raceview Rangeville Redbank Plains Redcliffe Redland Bay Redlands Redlynch Regents Park Robina Rochedale South Rockhampton Roma Runaway Bay Runcorn Sarina Shailer Park Sippy Downs Slacks Creek South Brisbane Southport Springfield Lakes Springwood St George St Lucia Stanthorpe Strathpine Sunnybank Sunnybank Hills Sunshine Coast Surfers Paradise Taringa Tarragindi Tewantin The Gap Thornlands Toowong Toowoomba Townsville Upper Coomera Upper Mount Gravatt Urangan Varsity Lakes Victoria Point Wakerley Warner Warwick Wavell Heights Wellington Point West End Wishart Woodridge Woolloongabba Wynnum Wynnum West Yarrabilba Yeppoon Zillmere Albany Alkimos Armadale Atwell Australind Aveley Balcatta Baldivis Balga Ballajura Banksia Grove Bassendean Bayswater Beckenham Beechboro Beeliar Bentley Brabham Broome Bunbury Busselton Butler Byford Canning Vale Carnarvon Claremont Clarkson Cloverdale Collie Como Dalyellup Dampier Dianella Doubleview Duncraig East Perth East Victoria Park Eaton Ellenbrook Esperance Exmouth Floreat Forrestfield Fremantle Geraldton Girrawheen Gosnells Greenfields Greenwood Halls Head Hamilton Hill Harrisdale Harvey High Wycombe Hillarys Huntingdale Innaloo Joondalup Kalgoorlie Kardinya Karratha Karrinyup Katanning Kelmscott Kingsley Landsdale Leeming Maddington Mandurah Manjimup Marangaroo Margaret River Maylands Meadow Springs Merredin Midland Morley Mosman Park Mount Lawley Narrogin Nedlands Newman Nollamara North Perth Northam Padbury Perth Piara Waters Port Hedland Port Kennedy Quinns Rocks Rivervale Rockingham Scarborough Secret Harbour Seville Grove South Bunbury South Hedland South Perth Southern River Spearwood Stirling Subiaco Success Tapping Thornlie Tom Price Victoria Park Waikiki Wanneroo Warnbro Wellard Wembley West Busselton Willetton Woodvale Yanchep Yokine York Aberfoyle Park Adelaide Aldinga Beach Andrews Farm Athelstone Berri Blakeview Bordertown Ceduna Clare Craigmore Elizabeth Flagstaff Hill Gawler Golden Grove Greenwith Hallett Cove Happy Valley Ingle Farm Kadina Keith Loxton Magill Marion Mawson Lakes Modbury Morphett Vale Mount Barker Mount Gambier Murray Bridge Naracoorte Parafield Gardens Paralowie Port Augusta Port Lincoln Port Pirie Prospect Renmark Salisbury Salisbury East Salisbury North Seaton Streaky Bay Tea Tree Gully Victor Harbor Waikerie Wallaroo Whyalla Woodcroft Burnie Campbell Town Devonport Glenorchy Hobart Howrah Huonville Kingston Launceston New Norfolk Queenstown Rosebery Ross Sandy Bay Smithton Sorell St Helens Ulverstone Zeehan Belconnen Canberra Gungahlin Kambah Ngunnawal Tuggeranong Woden Alice Springs Darwin Katherine Palmerston

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.