What’s with the ghost? Meet Cashper your friendly financial ghost.
What’s with the ghost? Meet Cashper your friendly financial ghost.
What’s with the ghost? Meet Cashper your friendly financial ghost.
What’s with the ghost? Meet Cashper your friendly financial ghost.
What’s the price you’re really paying for not comparing? Explore your line of credit options today. No pressure, just clear choices.
We don’t push lenders; instead, we prioritise the best outcome for you.
We untangle the fine print so you can stay focused on sales, clients, and growth.
See exactly what you’ll pay before making a move.
When your business thrives, so do we.
We assess your trading history and goals to help set the right limits.
You draw funds when needed; repayments automatically restore your limit.
With us, discovery has no upfront credit check so your credit file stays clean.
| Option | Best for | How funds work | Typical costs | Pros | Cons |
|---|---|---|---|---|---|
| Business line of credit | Flexible cash flow, supplier payments | Revolving limit; draw, repay, redraw | Interest on drawn balance; line/maintenance fees | Flexible, only pay on what you use, larger funding options | May include ongoing fees, variable pricing |
| Credit card | Everyday spend, small expenses | Purchases only, not payroll/suppliers | Interest after interest-free period; annual fees | Fast use, rewards, easy tracking | Higher rates; not ideal for large expenses |
| Term loan | Projects, assets, fit-outs | Lump sum upfront; fixed repayments | Interest on principal; establishment fees | Predictable, fixed plan | Rigid, not suited to short-term gaps |
| Invoice/trade finance | Stock and receivables | Funding tied to invoices/stock sales | Facility + margin, linked to cycles | Tailored to inventory/revenue cycles | More setup, narrower use case |
Our Clients
A business line of credit is a revolving facility with an approved limit that can be drawn, repaid, and redrawn to manage cash flow, with interest usually charged only on the amount used rather than the full limit. Trade Funding matches businesses to suitable line‑of‑credit and overdraft options through a transparent comparison process that clarifies rates, fees, and terms before applying.
Common requirements include an active ABN/ACN, Australian ownership, a trading history, revenue consistent with the limit sought, and policy‑fit credit profiles for the business and directors. Trade Funding provides pre‑assessment without upfront credit checks, then introduces suitable bank and non‑bank partners whose final requirements and documents (e.g., recent bank statements, BAS, financials, IDs) vary by product and limit.
A line of credit is revolving – draw, repay, redraw – so available funds are restored as repayments are made and costs align to drawn balances, supporting variable working‑capital needs. A term loan is a lump sum with scheduled repayments over a set term for defined projects.
Limits, interest, and fees are set by partner lenders based on business profile, security, and product type, so Trade Funding does not publish fixed ranges, but instead, transparent offers are presented side‑by‑side so businesses can compare total cost, speed, limit size, and documentation before choosing to proceed.
Smaller facilities may be unsecured but often include a director guarantee, although some don’t. Some larger limits may require property or asset security in addition to guarantees. Trade Funding clearly shows any security and guarantee obligations in partner offers so obligations are fully understood prior to acceptance.
Timeframes vary by partner and product, with many non‑bank options available within 24 hours and banks generally requiring deeper verification and time. Trade Funding facilitates comparisons and then arranges the appropriate funding, having current bank statements, BAS, and financials ready helps speed up decisions.
Pre‑assessment through Trade Funding has no upfront credit checks, while formal applications with partners may involve credit enquiries according to each lender’s policy. After approval, maintaining on‑time repayments and staying within limits supports a healthier business credit profile over time.
