Export growth, made possible

If your business meets the following criteria, it may be eligible for a Small Business Export Loan:

• Borrower type: Company or Trust
• Trading history: At least two years
• Annual turnover: Minimum of $250,000
• Maximum loan amount: $350,000
• Export link: Direct exporter or part of an export supply chain

Yes. If you’re not currently exporting but plan to, you may be eligible for an export market development loan. Alternatively, if you are part of an export supply chain – for example, a supplier providing components to an Australian business that exports its final product – you may be eligible based on those contracts.

We assess each application on a case-by-case basis. If you’re unsure whether your business qualifies, we encourage you to get in touch to discuss your specific circumstances.

Eligible applicants can borrow between $20,000 and $350,000, with repayments typically made on a principal and interest basis over the loan term. Interest-only repayments are available for the first 6 months on 24-month term loans only and are subject to additional credit criteria.

If you need to borrow more than this, we have other finance solutions that may be better suited to your needs.

• Bank statements from the last six months for the main trading account as well as the bank account to which the loan will be credited (if these are different).
• Accountant prepared financial statements for the last two financial years.
• Aged accounts receivable summary for your company.
• Financial Year to date management accounts (P&L and balance sheet) if more than three months into the current financial year.
• Most recent tax statements from the ATO portal.
• 12 months Profit & Loss forecast.
• Personal statement of assets and liabilities for each director. Download the form here.

Each individual with 25% or more ownership, or who exercises 25% or more of the voting rights in the borrowing entity, must provide two forms of the following identification:

• Passport
• Driver licence
• Medicare card

Depending on the purpose of the loan, we may request the following:

• International purchase orders or contracts / Contracts with Australian exporters: Copies of the specific export contract(s) or purchase order(s).
• Export market development: An export market development plan outlining how the funds will be used. If you don’t have a plan prepared, you can refer to our template here. You may also need to provide an overview of current export activities and evidence.
• Equipment finance: Details of the equipment to be financed, along with a supplier quote or invoice, and an overview of existing export activities and evidence.
• Working capital: A summary of your export-related funding need, and an overview of current export activities and evidence.

Yes. We can accept supplier invoices, other third-party documentation or an export market development plan to confirm how the funds will be used.

Your business may still be eligible, depending on the circumstances. We’ll need a copy of your business’s ATO-approved tax payment plan. Please contact us to discuss further.

Yes. We’ll complete a credit check via Equifax, but only with your permission. There is no credit check when you first submit your application.

• Application fee: $1,000 per application payable at drawdown, plus any documentation fees where required.
• Interest rate: Unsecured interest rate, with regular (amortising) principal and interest repayments. Interest rates are approximately 13% p.a. Interest rate is indicative only and may change. Interest rates are fixed for the term of the loan.
• Early repayment: Can be repaid early at any time with no penalty
• No ongoing fees

Yes. If you’re an accountant, broker or other adviser applying on behalf of a business, we’ll need a signed letter of authority. Download the form here.