Export finance

Export finance for orders overseas.

Fund production and shipping before your buyer pays. Suits an exporter with confirmed orders and buyers who pay 30 to 120 days after shipment.

You don’t pay to compare.

No credit file impact · No cost to compare · No obligation

Export finance at a glance

Amount: $100,000 to $20,000,000+
Term: Per order, 30 to 120 days from shipment
Security: Contracts, letters of credit or a government-backed guarantee
Time to funds: Varies by lender
How you pay: When your overseas buyer settles

Indicative, and subject to lender assessment. Your options are typically ready within 24 hours of receiving your documents.

Is it right for you?

When export finance fits, and when it doesn’t.

Often fits

A confirmed export order or contract
Materials, manufacturing and shipping to pay before the buyer does
Buyers who pay 30 to 120 days after shipment
Orders backed by a letter of credit

Usually not

Paying a local supplier for stock, where trade finance may fit
An invoice you’ve already issued to a local customer, where invoice finance may fit

Business funding, compared on real data, in three steps.

How It Works

Compared

Trade Funding or one bank’s trade desk?

Trade Funding or one bank’s trade desk
	Trade Funding	One bank
Time to options	Options typically within 24 hours of receiving your documents	Set by one bank’s own process
Buyer and country risk	Letter of credit and government-backed options compared side by side	One lender’s products and appetite
Lender access	40+ banks and specialist trade lenders compared	Single lender only
Facility range	$100k to $20M+	One lender’s range only

What it costs

How you pay, and what it costs.

Rate: Shown for each option in your report, with the APR beside it
What drives it: Buyer credit and country risk
With a letter of credit: Many lenders advance against a confirmed letter of credit at lower rates than unsecured export finance

Who qualifies

What lenders look for.

Typical criteria, and subject to lender assessment.

Track record: 12+ months trading preferred
Facility size: Sized against your revenue and your confirmed export contracts
Price: Set by your buyer’s credit and country risk

Cost calculator

Fund the gap between production and getting paid.

Export finance releases funds against a confirmed export order so you can pay for raw materials, manufacturing, and shipping upfront. The balance settles once your overseas buyer pays, typically 30 to 120 days after the goods ship. Adjust the slider to see an indicative breakdown.

Rates shown are simple p.a.; your report shows the APR.
Results are approximate. Not an offer of credit.

Export order value$500,000

$50k$5M

Funded upfront: $400,000
Facility fee: $9,850
Settled on buyer payment: $90,150

Illustrative only, assuming an 80% funding rate, a 90-day payment term and a 9.85% p.a. indicative facility fee. Actual advance rate, term, and pricing depend on buyer credit risk, country risk, and whether the facility is secured by a letter of credit or a government-backed guarantee.

Questions about export finance.

What is export finance and how does it work?

Export finance covers financial products designed to fund your international sales, from pre-shipment production costs to post-shipment receivables. A lender provides working capital so you can manufacture, process, or procure goods for export before receiving payment from your overseas buyer. Facilities are typically repaid when the buyer settles, usually within 30 to 120 days of shipment.

What is the difference between pre-shipment and post-shipment export finance?

Pre-shipment finance funds the production or procurement costs before goods are shipped, covering raw materials, manufacturing, packaging, and logistics. Post-shipment finance bridges the gap between shipping goods and receiving payment from the overseas buyer. Many exporters use both to cover the entire export cycle.

What are letters of credit and how do they relate to export finance?

A letter of credit (LC) is a guarantee from your buyer’s bank that you will be paid once specific shipping conditions are met. LCs reduce the risk of non-payment from overseas buyers and can make it easier to obtain export finance. Many lenders will advance funds against a confirmed LC at lower rates than unsecured export finance.

How do we get paid?

Comparing costs you nothing. Not comparing can cost you plenty.

The headline rate rarely tells the whole story. Fees, charges and loan terms can add far more to what you repay. That’s why your Compare Report shows every cost we can identify side by side.

In most cases, the lender pays us, and only if you decide to proceed with their product offer. For more complex deals, or where the lender pays us little or nothing, we may charge a fee for our service. It doesn’t happen often, but when it does, it’s shown on your Compare Report and we’ll walk you through it before you decide.

No obligation to proceed, ever.

How We’re Paid →

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