What is trade finance?
Trade finance is short-term working capital finance to support both domestic and cross-border trade transactions. It’s used by businesses to finance their trade activities and bridge the funding gap between buying stock and receipt of payment from their customers.
Benefits of NAB Trade Finance
We provide finance solutions which are tailored to fit the short-term working capital needs of import, export and domestic trading businesses. You can use NAB Trade Finance solutions to help manage risks, improve liquidity, and support your customer relationships.
Short term finance solution
Bridge the gap between incoming and outgoing payments to keep your business running smoothly.
Flexible credit options for your buyers and sellers
Ability to offer extended credit terms to buyers or pay suppliers early if needed.
Improved cash flow
Extra liquidity to grow your business and catch business opportunities.
Payment terms tailored to your business
Payment terms that align with your trading cycle, from 7 days to 180 days.
Access to experts
Our Trade and Working Capital Team are here to help you understand your cash flow cycles and challenges; helping you find the right solution for your business.
Finance in Australian dollars or another major foreign currency
We have options to suit your business operations whether you're trading internationally or domestically.
Our interest rates and fees explained
How trade finance works
Whether you're buying or selling goods, trade finance helps bridge the gap and provides valuable working capital for your business.
You order goods from a supplier in Australia or overseas.
You receive the supplier's invoice and send it to us.
We provide finance for you to pay the supplier's invoice.
You receive the goods and use or on-sell them.
You pay us the invoice amount.
You receive an order from a customer in Australia or overseas.
We provide you with the finance needed to manufacture the order.
Goods are shipped to the customer.
The customer pays you for the order.
You repay us for finance.
Ready to apply?
Discover how a Trade and Working Capital specialist can help your business.
Other options to consider
Haven't found what you're looking for? Here are a few other business loan options that might suit your business.
Help and support
We have a range of useful guides and tools to help you manage your business banking.
Other ways we can help
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Get in touch
Let us help with your business banking needs. Request a call back to chat with one of our business bankers.
Visit our Trade and Working Capital contact page.
Visit a NAB business banking centre
Let our business banking specialists help you in person.
Terms and Conditions
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Lending criteria and terms and conditions apply (available on application).
- Rates, fees and charges
- Business Banking Fees – A guide to fees and charges
- Business lending general terms (PDF, 234KB)
Target Market Determinations for these products are available at nab.com.au/TMD.
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 Limited ABN 12 004 044 937.