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Credit Rep 568624 · AFCA Member 113549 · CAFBA · FinTech Australia

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

5.0 Google Ratingon Google (opens Google Maps in a new tab) · Credit Rep 568624

How it works

Tell us what you need. We showcase what you qualify for.

We ask only for what we need to qualify you properly. Wherever we can, we connect directly to your data, so your matches are accurate, sharing is easy, and you get the best result with no impact on your credit file.

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

See My OptionsBook a Call

  • Xero
  • Bank data
  • ATO
  • ASIC
  • ABN Lookup
  • PPSR

Cashper

The sources lenders rely on, plus the credit policy of 70+ lenders. We use only what your lenders need to see.

Meet Cashper

The friendly ghost behind every Compare Report.

Cashper is our comparison and matching engine. It holds the credit policies of all our lenders, checks your business against each one, and builds your Compare Report.

Why a ghost? Because you can see straight through one. Cashper is transparent by design: your Compare Report shows every option you qualify for across our lender panel, not just the lenders we have the best relationships with or earn the most from.

Cashper, the Trade Funding ghost

The process

Three steps. Real, qualified options.

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

Every lender has its own policy, pricing and appetite. Cashper checks your business against them and shows you what you qualify for, before you apply.

  1. Start with your funding options
  2. 1Share and connectTell us what the funding is for, then connect or share your accounting and bank data. No re-typing financials.
  3. 2MatchCashper checks your business against each lender’s real eligibility and policy, and removes what won’t work.
  4. 3Compare and chooseQualified options side by side. A specialist walks you through them and handles everything to settlement.

Your report is typically ready within 24 hours of receiving your data and documents.

  1. StartYour funding needs and goals
    Purpose
    Fit-out
    Amount
    $300,000
    Goal
    Open a second site
  2. 1 · Share and connectYour business performance profileOur tech connects to real data sources, so your matches are qualified.
    • ASIC
    • Xero
    • PPSR
    • Credit bureau
    • Bank statements
    • ABN
  3. 2 · MatchQualified matching across our lender library100+ products checked against each lender’s eligibility and policy.
  4. 3 · Compare and chooseAccurate choices, supported accessReal, qualified options, side by side.
    • Specialist support
    • Start to settlement
    • Apply with the same data
    • Funds, if approved

Behind the scenes

We know what lenders need to see.

Not every lender needs every data source. Cashper knows which information each lender uses to assess a deal, so we connect to or collect only what’s relevant to yours, with your consent.

  • Xero · direct connectionRevenue, profit and trends. Lenders assess what you can service on real financials.
  • Bank data · read-onlyCashflow, balances, dishonours. Most non-bank lenders decide on bank statements.
  • ATO · with your consentTax debt, payment plans, lodgements. A common reason for a decline quick quotes never see.
  • ASICCompany status, directors, history. Confirms your structure and who would guarantee.
  • ABN LookupABN age and GST registration. Time trading is a hard cut-off for many lenders.
  • PPSRExisting security interests. Shows what’s already pledged and who can still lend.

Matched on lender policy, not a questionnaire.

Cashper holds each lender’s rules for our whole panel and checks your profile against every one, so options you wouldn’t qualify for never reach your report.

What we match on: minimum time trading · turnover · industry exclusions · ATO debt tolerance · existing PPSR registrations · security appetite · loan size limits.

No re-typing financials. No chasing paperwork. No applying to five lenders to find out who’ll say yes. Prefer not to connect? Upload your statements instead. We’ll do the rest.

See Our Lender Panel

Matching result · sample

$300,000 term debt · $3.6M turnover

  • Lender AQualified · $300,000, 24 months
  • Lender BQualified · $250,000, 12 months
  • Lender CQualified · $200,000, 24 months
  • Lender DQualified · $225,000, 18 months
  • Lender EQualified · $150,000, 18 months
  • Lender FSoft MatchMax amount $250,000 for non asset backed directors ($50,000 less than requested amount)
Lenders de-identified. Figures a worked example.

Your Compare Report

See what you qualify for, and why.

Every option compared on the same four facts: Security, Term, Amount and Rate. There’s no overall score and no recommended badge. Each lender leads where it genuinely leads.

Sample report · Term debt

Business Loan Options

Matched to $3.6M annual turnover · Loan sought $300,000 · 5 qualified · 1 soft match

SecurityGSA + guaranteeAll five lendersNo lender goes unsecured at this size.
Longest term24 monthsLenders A & CTwice Lender B's term.
Highest amount$300,000Lender AVersus $150k to $250k elsewhere.
Lowest rate14.95% APRLender AFees included, like for like.
Business Loan Options: Matched to $3.6M annual turnover, Loan sought $300,000, 5 qualified · 1 soft match. Lenders de-identified, figures a worked example.
LenderAmountTermSimple rateAPRRepaymentEarly repayment
Lender A$300,000 (leads on amount)24 months (leads on term)8.25% (leads on rate)14.95%$14,563per monthInterest saved after 6 months
Lender B$250,00012 months13.90%28.83%$23,729per monthNo discount
Lender C$200,00024 months (leads on term)9.40%16.86%$9,900per month25% of remaining interest
Lender FSoft Match: max amount $250,000 for non asset backed directors ($50,000 less than requested amount)

SecurityTermAmountRate

Excerpt from a sample Compare Report. Lenders de-identified, figures a worked example. Indicative only, not an offer or approval of credit.

Want to see your own report?

See My Options

Technology + people

One specialist, start to settlement.

Cashper finds your qualified options. Your Trade Funding specialist takes it from there.

  • Explains every trade-off in plain English
  • Packages your documents and lodges with your chosen lender
  • Negotiates and follows up through to settlement

Built by lenders: 35+ years inside domestic and international lenders.

Cashper · Compare Report

  • Lender A · $300k · 24 mthsReviewing together
  • Lender C · $200k · 24 mthsQualified
  • Lender D · $225k · 18 mthsQualified
  • Lender B · $250k · 12 mthsQualified

Your Trade Funding specialist

“Lender A leads on amount, term and rate, but needs a GSA and a director's guarantee. Let's talk through what that means for you.”

A sample. Lenders de-identified, figures a worked example.

Why it matters

Real data in. Real options out.

Most comparisons are guesses. Lenders don’t guess. A few questions and an estimated rate tell you very little. If your comparison doesn’t review what your lender will, the options it shows aren’t real.

Trade Funding

  • The information your lenders use
  • Matched on what lenders actually check
  • Ineligible options removed before you apply

Quick-quote comparison

  • A few questions, estimated rates
  • Matched on what you say
  • Can be declined later, after a credit enquiry

The wrong fit costs more than a higher rate.

A poorly matched product follows a business for years, long after the recommendation or quick approval is promoted.

  • Puts security at riskProperty or assets pledged that never needed to be.
  • Locks out other providersCaveats, GSAs and enquiries can close doors to better options.
  • Squeezes cashflowRepayments that don’t match how money comes in or leave enough to trade.

Your questions, answered.

Your data, protected

  • You choose what to share
  • Read-only access
  • Encrypted in transit (SSL/TLS)
  • Access limited to authorised staff
  • Used only to match and apply
  • No credit file impact

Read our Privacy Policy and Credit Guide.

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 →

What do I need to get started?

Your ABN, what the funding is for, and your business bank statements or accounting access (such as Xero).

Do I have to connect my accounts?

No. Connecting is the fastest way, but you can upload statements instead and we’ll collect what your lenders need. Your report will be just as accurate; it may take a little longer.

Which systems can I connect?

Xero and your business bank account. We check public records such as ABN Lookup, ASIC and the PPSR ourselves, and ATO information only with your consent.

Will comparing affect my credit file?

No. There’s no credit check until you choose to proceed with a lender.

How long does it take?

Your Compare Report is typically ready within 24 hours once your information and documents are in.

See what you actually qualify for.

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

Or talk to us: 1300 161 641 · support@tradefunding.com.au

$10k$5M
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