Here's what you get

  • Access to short term finance solution to keep your business running smoothly

  • The option to finance in either Australian dollar or other major foreign exchange currencies

  • Payment terms that align with your trading cycle, from 7 days to 180 days

  • Access to our dedicated Trade & Working Capital Team to help you understand your cash flow cycle and challenges, and offer the right solutions for your business

Suitable if you

  • Need funding for the purchase of goods or services prior to shipment or offering extended payment terms to your buyers

  • Have an established track record

  • Have established credit control processes and systems

benefits for your business


Flexibility in making stock purchases, offering extended credit terms or paying suppliers early.

Meet funding gaps

Bridge the gap between incoming and outgoing payments.


Provide extra liquidity to grow your business and catch business opportunities.

Understanding trade finance

How Trade Finance works for importers

1. You order goods from a supplier in Australia or overseas

2. You receive the supplier's invoice and send it to us 

3. We provide finance for you to pay the supplier's invoice

4. You receive the goods and use or on-sell them 

5. You pay us the invoice amount

How it works

  • Step 1

    Choose your finance

    Uncover the right finance option to suit your needs, if you're unsure talk to a NAB business banker.

  • Step 2


    You can apply over the phone or in any NAB branch with a business banker across Australia.

    Check what documents you need to apply


  • Step 3

    Sign documents

    We help you sort out the loan details, create the contracts and sign the agreement. 

  • Step 4

    Receive finance

    Once everything is in order we'll help set up the finance to match your business needs.

Discover how a Trade and Working Capital Specialist can help your business.

Rates and fees

What are the rates and fees?

  • Interest rates are based on the currency of each drawing
  • Interest is calculated daily and charged in arrears on the maturity date of each drawing
  • The amount of each drawing, including fees and interest is debited from your nominated working account on the maturity date
  • Prepayment options are available but fees and economic cost may apply.

Other options for your business

Debtor and invoice finance

NAB Invoice Finance gives you quick and easy access to money owed by customers and helps with fluctuations in your cash flow.

Vehicle and equipment finance

Find the right finance solution for your vehicle and equipment needs.

International and foreign exchange

If you’re in the business of importing or exporting, you need to manage the risk of dealing with foreign exchange. Our foreign currency accounts, international payment options and trade finance can all help.

Important Information

Lending criteria and terms and conditions apply (available on application).

NAB recommends you consider the Product Disclosure Statement or other disclosure document, available from NAB, before making any decisions regarding these products. These products are issued by National Australia Bank Ltd ABN 12 004 044 937.