Loans to manage cash flow and maintain momentum
Keep operations moving while you wait for payments or ramp up delivery.
Speak to a specialistBridge funding gaps and deliver with certainty
Exporting often means long lead times and delayed payments. If your cash flow is stretched between invoices, deliveries or seasonal peaks, our loans could support your day-to-day operations so you can focus on long-term growth.
How our loans could support your growth
We support Australian businesses with loans for:
Bridging payment gaps
Access working capital to manage the time between invoicing and receiving international payments
Covering variable operating costs
Finance costs such as wages, logistics or supplier payments when cash flow is tight
Stabilising working capital
Support ongoing operations and fulfilment while managing payment cycles or delays
Buffering against uncertainty
Maintain resilience through seasonal slowdowns, cost increases or shifts in customer timelines
Our finance is designed to align with your business model, cash flow and export goals.
Does your business meet our criteria?
You maybe be eligible if:
- you have an Australian Company Number (ACN)
- you've been trading for at least 2 years
- your annual turnover is over $250,000
- you're a direct exporter or part of an export supply chain.
Why choose Export Finance Australia?
We believe that no one should have to take on the world alone. We provide flexible finance solutions to help businesses grow and succeed internationally.
Finance that fits your business model
Loan amounts and repayment terms aligned to your cash flow, project timeline and export goals.
Loans that scale with your growth
Access from $350,000 to over $350 million in AUD, USD, EUR or GBP, whether you’re scaling operations or entering new markets.
Experience across global markets
We work with businesses exporting to a wide range of destinations, including emerging markets and complex trade environments.
Flexible loans to suit your business
Our loans are tailored to fit the needs of your business.
We offer two loan structures:
Term loans
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Loan type Fixed repayment over a set term. |
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Best for One-off investments with a clear timeline or specific, predictable export activities. |
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Examples
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Revolving loans (Line of credit)
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Loan type Draw down and repay funds as needed. |
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Best for Fluctuating working capital needs that require flexibility and ongoing access to funds based on variable demands. |
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Examples
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Talk to us to see how we could help your business
Fill out the form below and one of our experts will get in touch, or call us directly on 1800 093 724.
Loan FAQs
Loans start at $350,000 and depending on your business needs could be up $350 million or more.
We offer loans in AUD, USD, EUR and GBP.
Terms are usually aligned with your export contract or project timeline. Repayments typically involve monthly interest and principal repayments that reflect your cash flow cycle.
Yes. A line of credit is available to allow multiple drawdowns and repayments during the term.
Our process is personalised to your business needs. After an initial discussion with our experts, we can guide you through the loan application and ensure the terms align with your specific situation.
There is an application fee of $5,000 or 1% of the total loan amount (whichever is greater), plus commitment and documentation fees.
We may require a general security interest and corporate or director’s guarantees, depending on the risk profile and size of the loan.
If your business meets the following criteria, we may be able to support.
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Australian-registered company (ACN) and not a sole trader
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annual revenue above $250,000
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trading for at least two years
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exporting, part of an export supply chain or expanding internationally.