Resources
Guides, tools and plain words.
Everything for the more detailed people. Read at your own pace, or skip straight to your options.
- Comparing Business Loans in AustraliaA framework for weighing rate, term, security and speed against each other.
- Business Term Loans in AustraliaFixed vs flexible terms, interest rates, and loan structures for working capital and expansion.
- Business Line of Credit GuideDraw what you need, repay flexibly, and avoid paying interest on unused facility limits.
- Best Business Line of Credit OptionsBank, fintech and non-bank line of credit facilities compared by limit, rate, speed and security.
- Business Overdraft in AustraliaManaging seasonal cash flow buffers against everyday commercial transaction accounts.
- Invoice vs. Debtor FinanceReleasing 80 to 90% of unpaid invoice value to fund weekly payroll.
- Lease vs. Buy: Asset Finance GuideChattel mortgages, finance leases, and operating leases compared for tax and PPSR impact.
- Business Charge Cards ExplainedTeam spending power and expense management for your business.
- Business Loans for Non-Standard CreditHow alternative and private lenders look at trading history when a major bank says no.
Calculators
Work out the repayments.
An estimate to plan with, not a quote.
Glossary
Plain words for finance terms.
- Security, term, amount and rateThe four things every option in your report is compared on.
- ABNAustralian Business Number: the first thing we check when matching your business across the lender panel.
- Chattel mortgageYou own the asset from day one while the lender holds a mortgage over it as security, common for vehicles and equipment.
- Line of creditA revolving limit you draw on as needed, paying interest only on the amount actually drawn.
- Invoice financeReleasing the cash tied up in an unpaid invoice instead of waiting the full payment term.
- PPSRPersonal Property Securities Register: where a lender's security interest over an asset, like equipment, is formally registered.
What is a Compare Report?
Your options on one page: the funding your business, or you personally, qualify for, side by side and compared on security, term, amount and rate, from checking your profile across our panel of 70+ lenders.
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.
Are you a lender?
No. Trade Funding Pty Ltd is a Credit Representative (number 568624) of QED Credit Services Pty Ltd, Australian Credit Licence 387856. We compare options across our lender panel and support you through to settlement. The lender you choose provides the funding.
Where do I find Connect or Personal & Property questions?
Vendors and their customers: see Trade Funding Connect. Owners: see Personal & Property, or contact us.
See your options, side by side.
No credit file impact · No cost to compare · No obligation
Or talk to us: 1300 161 641 · support@tradefunding.com.au