Money for one big order, paid back after you sell.
Good for a one-off01 · Where you are
You have to pay
before you get paid.
Sound familiar?
A big order is dueYour supplier wants paying before the goods even ship.
You buy from overseasStock takes weeks to arrive, and the money is tied up the whole time.
Busy season is comingYou need extra stock now to be ready for the rush.
A supplier discountPaying early could get you a better price, if only you had the cash.
02 · When is the right time?
A loan isn’t always the answer.
Here’s when it makes sense.
✓ Good times to do it
You have orders waitingWhy: When customers are already lined up, the stock pays back quickly.
You buy stock over and overWhy: A setup you can use again and again makes each order easier.
Paying early saves you moneyWhy: If your supplier gives a discount for paying early, it can cover part of the cost.
Busy season is closeWhy: Having stock ready means you don’t miss sales when it counts.
✕ Maybe wait if…
You’re not sure it will sellWhy: Borrowing for stock that sits on the shelf can cost you.
It’s a small order you can coverWhy: Paying cash may be simpler for small amounts.
Your supplier gives you time to payWhy: If they already let you pay later, you may not need this.
Not sure which one you are? We’ll look at it with you, for free.
03 · How it works
Three steps to
on the shelf.
- 1Tell us about the order
What you’re buying, from where, and when it needs paying.
StockWaiting - 2We find a lender
Someone who understands buying stock and importing.
StockWaiting - 3Your supplier gets paid
The goods ship. You sell them and pay the money back.
StockOn the shelf ✓SHIPPED
04 · Your options
Pick the way
that fits you.
A limit you can use for each new order as it comes.
Good if you order oftenExtra money to cover shipping, duties and landing costs.
Good for the extrasWhat lenders will ask about
What you’re buying and who from✓
How much and when it needs paying✓
Your ABN and how long you’ve traded✓
Recent BAS or bank statements✓
How fast your stock usually sells✓
Every lender is a bit different. We’ll tell you exactly what yours needs.
Good to know
The lender may pay your supplier directly.
Shipping delays can happen. Plan a little extra time.
It works best for stock that sells steadily.
We’ll show you the full cost so you can compare it to supplier terms.
05 · Let’s do it
Tell us your plan.
New job No credit check
Business finance only. ABN required.
…full steam ahead.
Questions people ask.
Can the lender pay my overseas supplier?
Often, yes. Many lenders pay your supplier directly, even overseas.
When do I pay the money back?
Usually after you’ve sold the goods. We’ll set it up to match how fast your stock sells.
Can I use it again for my next order?
With an ongoing setup, yes. You can use it for each new order.
Does it cover shipping and duties?
Sometimes. It depends on the lender and the setup.
Can I use it to buy things for myself?
No. It’s only for stock and supplies for your business.