Whether you source your products or raw materials overseas or right here in Australia, Trade Finance provides secure funding to pay your suppliers up front, and without spending your own working capital.
Keep your cash flow smooth and secure the inventory you need to grow your business. Avoid the financial strain of waiting for customer payments.
Earlypay’s solution bridges the gap between paying for stock and receiving payment for goods.
Increase your business potential
Managing your cash flow effectively is the key to healthy business growth. Earlypay Trade and Invoice Finance provide the financial tools to help businesses cover cash flow gaps for smoother operation and better financial flexibility. See how our cash flow solution can help your business grow, and thrive:
More flexible than traditional funding
Accessing our Trade Finance solution is simpler and more straightforward than a traditional loan from a bank or other lender. Unlike conventional business finance, which requires you to provide property or other business assets as security, Earlypay Trade Finance works alongside your invoice payments. Settlement of your Trade Finance is made through your customer payments so you're protecting your business assets and scaling your business with confidence.
Finance for big or small purchases
From major purchases to small orders, our Trade and Invoice Finance lets you buy the stock and supplies you need when you need it, get it shipped to you, and sold on quickly. So no more supply chain delays and running out of stock to sell because you’re waiting on customer payments!
Increased buying power
Paying your suppliers promptly is good for business and maintaining relationships. Earlypay Trade Finance pays your suppliers up front so they know you’re a reliable, and valuable, customer. This can unlock substantial savings and discounts for you. And with ongoing access to cash as soon as your customer invoices are issued, you can keep on buying from them.
Risk mitigation
Trade Finance is the perfect supply chain go-between for suppliers and businesses like yours. It mitigates the risks associated with delayed payments and disrupted supply chains because it ensures your suppliers are paid promptly, and you receive your goods quickly, and as ordered. You can now plan with confidence and keep your business running smoothly.
Complete cash gap coverage
Earlypay Trade's comprehensive Trade Finance services work in conjunction with Invoice Financing to provide you with a cash flow buffer at every stage of the sales cycle. It’s got you covered right through from ordering materials to receiving payment from your customers.
Who benefits from Trade Finance?
We customise our Trade Finance solutions so they’re a perfect fit for industries like wholesale, manufacturing, and retail, or any business that:
- Imports or purchases goods in Australia
- Experiences seasonal fluctuations in demand
- Has upfront payment terms from suppliers
- Wants to improve their cash flow management
Why choose Earlypay?
There are many reasons to bring Earlypay on board to help grow your business. We offer:
High approval rates
Our focus is on the quality and turnover of your customer invoices so we can support businesses traditional lenders often overlook.
Dedicated support
Our team of financial experts understand your business needs and will work to provide customised solutions to suit your business.
Integrated Solutions
Combine Trade Finance with our other financial products, such as Invoice and Equipment Finance, for an all-inclusive financial strategy for your business.
Boost your working capital with Trade Finance to increase supply chain efficiency.
Reduce your cash flow gap with a powerful Invoice and Trade Finance solution. Take on new orders, and meet customer demand confidently, knowing you have the working capital to keep your supply chain moving.
A combined Invoice and Trade Finance solution shrinks the gap between paying for stock or raw materials and getting paid for goods you’ve sold. It provides the funds you need up front to purchase more stock without waiting on customer payments.
Instead of struggling with cash flow constraints, you can:
- Maintain steady operations,
- Take advantage of supplier discounts, and
- Optimise your purchasing cycles to ensure your business stays responsive and ready for growth.
What is Trade Finance?
Trade finance is a flexible, practical solution that supports your business growth. It provides up front funding so you can keep ordering stock and take on larger orders, attract new customers, and ultimately grow your sales.
With this type of financial flexibility at your fingertips, you can pay your suppliers earlier, lock-in forward pricing and better deals, and plan in advance with confidence.
How it works
Earlypay Trade integrates with our Invoice Finance product to create a self-sustaining cash flow cycle. You sell a product, and when you raise an invoice for the sale through your accounting software, the Invoice Finance facility kicks in and pays down your Trade Finance facility. The Invoice Finance facility is then repaid when your customer pays their invoice.
This system provides you with ongoing working capital without having to wait for your customers to settle their invoices. It’s a streamlined financial structure that keeps your cash flow steady and
- Eliminates purchasing delays
- Facilitates prompt order fulfilment, and
- Maintains good supplier relationships
With your trade and invoice finance systems working seamlessly together, your business can scale efficiently without the limitations imposed by traditional lending. You have the financial support you need to operate with confidence and stability. You can more effectively manage seasonal demand fluctuations, expand into new markets, and strengthen supplier partnerships.
How does trade finance work with invoice finance?
- 01
Order materials or supplies from your supplier.
With your approved credit limit in place, you’re able to order supplies as, and when, you need them.
- 02
Forward the supplier invoice to Earlypay.
Once your materials or supplies have been delivered, submit the invoice from your supplier to Earlypay for payment to be made. Earlypay will pay directly to the supplier on your behalf.
- 03
Utilise the delivered supplies.
Whether the delivered items are finished goods or raw materials to be used in your production process, you can get on with meeting customer orders or building up your inventory.
- 04
Issue invoices to your customers as you sell goods.
As you raise invoices for the sale of goods, your Invoice Finance facility comes into effect, advancing you funds on your outstanding customer invoice. These funds are automatically used to repay (or paydown) the Trade Finance.
- 05
Your customers pay their invoices.
As your customers settle their invoices as per your standard credit terms, your invoice finance facility is paid down, completing the cycle.
- 06
Funds are released to you.
Once your Invoice Finance facility is repaid, any remaining cash is released to you, minus any interest or fees. This integrated approach to business finance helps your business maintain a healthy cash flow. You can take on larger orders and new clients without financial strain.
Is Trade Finance right for me?
If you purchase goods or raw materials for business purposes, Trade Finance might be the cash flow solution you’re looking for.
If you satisfy the basic requirements below, we'd love to hear from you.
- You have an ABN or ACN
- You have outstanding invoices with other Australian businesses.
- You invoice after goods or services have been delivered.
- Trading for a minimum of 2 years.
Get started today
Unlock your business potential with Earlypay's Trade Finance solutions. Contact our friendly team of experts to discuss how we can support your growth and help you maintain a strong supply chain.
Get Started