How does export finance differ from other forms of finance?

Access to the right finance can make all the difference when you’re looking to grow globally.

Export finance is designed to support the unique challenges of operating internationally, such as managing cash flow across borders, securing contracts and meeting buyer requirements.

If your business is ready to take on the world, there are finance solutions designed to support you at different stages of your global journey.

Twisted Healthy Treats

Loans for small businesses

If you need to borrow less than $350,000 for your export activities, our Small Business Export Loan may be the solution your business needs. With no property required as security and no penalties for early repayment, it can be used to finance:

contracts and purchase orders
export market development
general working capital needs
plant or equipment purchases
tourism services
online businesses.

For example, better-for-you frozen treats business Twisted Healthy Treats utilised a Small Business Export Loan to support cash flow and continue domestic operations while awaiting payment for a US order.

You can apply online here

Our customer, Grounded Construction Group

Tailored options for export loans

For finance needs over $350,000, our tailored loan solutions offer greater flexibility. Loan structures can be designed to align with your cash flow, including a line of credit option. In some cases, finance can also be arranged in partnership with your bank to support export-related activities.

Bonds

In some industries and global markets, buyers may require a bond before engaging with your business. Bonds act as financial protection for both you and your buyer if contractual obligations are not met. The type of bond required will depend on the contract.

We can provide a range of bonds to support your business, including:

performance bonds – ensure your work is completed as agreed
warranty bonds – cover repairs or amendments after completion
advance payment bonds – protect buyers making prepayments
US surety bonds – may be required for exports to the United States.

Guarantees

Banks often require collateral, such as cash or property, for business loans, which can place pressure on working capital. A guarantee can be used in place of cash or property by working with your bank.

For instance, Grounded Construction Group was previously securing its bank guarantees with cash, which constrained its working capital. By using a guarantee instead, the business was able to free up cash flow and reinvest in growth.

Project and structured finance

For larger-scale international projects, particularly in emerging or frontier markets, substantial and complex finance may be required. Structured finance solutions can support participation in and delivery of these projects and may also help attract private sector involvement by reducing risk.

Find out more

We’re a trusted partner with the experience to help your business take on the world.

Explore how our finance solutions could support your growth, or get in touch to speak with one of our experts.