Why does the calculator ask me for the fee rate?

Trade finance fees vary by supplier country, order size and trading history, so there's no honest single default. Enter what you've been quoted.

Calculators / Trade finance calculator

Trade finance calculator

Funds the gap between paying a supplier and getting paid by your customer. See what that gap actually costs, and how much of the order you need to sell to clear it.

Purchase order value$100,000

$10K$1M

Fee rate (per 30 days)2.0%

0.5%5%

We haven’t quoted you a rate yet, enter what you’ve been quoted, or leave this as a rough placeholder to see the mechanics.

Term90 days

30 days120 days

Most trade finance runs 90 to 120 days maximum. If your cash cycle is longer, an overdraft or line of credit usually fits better.

Gross margin on this order35%

5%80%

Financing cost over the term $6,000

Break-even: share of the order you need to sell17.1%

Gross margin pool$35,000

Trade finance is normally used domestically, funding a purchase from another Australian supplier, not just overseas shipments. Minimal paperwork applies under $250,000. See our trade finance page for the full picture.

Indicative only. Ecommerce Loans is a finance broker, not a lender. The fee rate above is whatever you enter, not a quote from us. Actual fees and terms depend on lender assessment.

Why is there a 90 to 120 day limit?

Make sure if you expect the cycle of cash to be longer than 90 days that you look at overdraft products instead. Trade finance is built for the gap between paying a supplier and getting paid yourself, not as an ongoing working capital facility, so most lenders cap terms at 90 to 120 days maximum.

Do I need full financials to apply?

Trade finance can be achieved with minimal alt-doc information, bank statements and basic identifying details, for facilities up to around $250,000. Above that, full financial information and potentially more security is required.

Before you enquire

Trade finance fees vary by supplier country, order size and your trading history, so there’s no honest single default rate. Enter what you’ve been quoted, or leave the placeholder in to see how the mechanics work.

No. Most trade finance is used domestically, funding a purchase from another Australian supplier. Overseas purchases can be financed too, and the asset can sometimes be refinanced to a traditional asset finance product once it lands.

The share of the order you need to sell, at your margin, to cover the financing cost. Everything sold beyond that point is profit.

Andrew Beckett

Founder and principal broker, Ecommerce Loans. 10+ years in Australian SME, asset, trade and consumer lending across Shift, Iron Capital, Lumi and Lend, represented through CAFBA, FBAA and MFAA.

Call 0468 902 233