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Trade Finance

Allow your business to succeed by managing your supply chain

Moneytech's Trade Finance helps you access your stock, convert it into a sale, and collect your cash.

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Why Low Doc?

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Hassle free borrowing with limits starting at $50,000 up to $250,000

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Money in the account is only half the job done. Use the funds for whatever your business needs. Pay suppliers, pay staff or paying down debt can all be done with the revolving line of credit.

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Seamless Integration

Moneytech’s line of credit facilities go hand in hand with Moneytech’s Invoice Finance, Trade Finance, Equipment Finance & Term Loan Facilities. This is all handled in real time via Moneytech’s portal, the Moneytech Exchange.​

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How can Trade Finance help your business?

Our Trade Finance facilities have a number of key competitive benefits:

  • Access a rolling Line of Credit with limits between $100k and $10m
  • Extensive 120 day repayment terms and access to competitive FX rates
  • Access to Moneytech’s other facilities including Invoice Finance, Equipment Finance
    & Term Loans
  • All handled in real time in Moneytech's Trade Financing Portal, the Moneytech Exchange
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How do I apply for a business line of credit?


Click on the application button below and you will be redirected to our application form or speak to your broker

How easy is it to get a business line of credit?


The application takes about 15 minutes to complete. Once we have received the application, we will review and reply to you within 48 hours*

What can I use the business line of credit facility for?


You can use the facility to pay any supplier to your business, including:

  • Suppliers of stock/inventory/materials
  • Suppliers of key services to your business
  • Subcontractors
  • Bills – EFT Payment Only

You cannot use the facility to pay the following:

  • Repayment of other financing facilities
  • Statutory obligations such as tax, superannuation etc
  • Wages / Payroll

How do I repay the facility?


You can repay Moneytech however you like, with BPAY, EFT, Direct Debit or even via your credit card. The facility is a revolving line of credit, however there are minimum repayments required.

The repayment terms (minimum payments) for the Moneytech Facility is 33%, 33%, and 34%. After we fund the invoice payment using your facility, the first minimum payment of 33% will be due on the 28th of the following month. The next 33% will be due on the 28th of the next month, and the final 34% on the 28th following. Normally due payments will be direct debited from your nominated bank account on the due date (28th of each month) however EFT, BPAY and Credit Card payments prior due date is also available.

What is a business line of credit?


A line of credit is pre-determined borrowing limit that you can use at any time to pay for supplies to your business (see answers to question 4). As you make repayments to this facility, you are able to re-draw on that payment right away, which is why a line of credit is considered a ‘revolving’ facility.

How do I access my business line of credit facility?


You will get access to the Moneytech Exchange, where you can manage payments to your suppliers as well as repayment of your facility all in one user friendly place.

How to qualify for a business line of credit?


We will assess your business based primarily upon your credit file and your bank statements. You can apply for a Line of Credit if you:

  • Can demonstrate that your business has been trading for at least 12 months
  • Own or represent an Australian business with a registered ABN/ACN

If you have more detailed questions about your eligibility, please feel free to call us on 1300 858 904 or email us on

How do I terminate/cancel my facility?


You can terminate your facility with written notice to your relationship manager via email.

How old can invoices be?


We can pay invoices up to 90 days old.

How long until I get access to the funds?


You should have access to your funds within 48 hours of completing your application.

How much will I get access to?


Your approved limit will be based upon a range of criteria, including your monthly turnover and monthly costs. Limits on offer range from $50,000 to $250,000.

Does a business line of credit affect personal credit score?


We will run a credit check on your business to ensure we are making an informed decision with relation to your facilities. These reports also help us with pre-populating your information in our facility documentation.

How do / Can I repay facility early?


You are welcome to repay the facility early. Your interest is calculated daily, so by repaying early you’ll be saving yourself some money by reducing your interest expense.

Is this an unsecured facility?


You don’t need to provide Moneytech with any real estate security to access the business line of credit. You will need to provide Moneytech with personal guarantees in support of your facility, and Moneytech will register it’s interests in your business on the PPSR (personal Property Security Register)

What are the fees and charges?


Below are the fees and charges associated with your line of credit:

Property Owner

  • Interest Rate - Available on request
  • Service fee - 1.96%
  • Monthly Fee - $75
  • Application Fee - $795+gst

Non property owner

  • Interest Rate - Available on request
  • Service fee - 2.96%
  • Monthly Fee - $75
  • Application Fee - $795+gst

Is there anyone I can speak to about my facility?


Yes, once you are on board you will have a dedicated Relationship Manager, who will be available to you via phone or email to answer any questions you have.

How can I increase the line of credit limit?


If you would like to apply for a higher limit you should let your relationship manager know. They will then advise you of exactly what information we need in order to assess your application for a limit increase. If we’re able to approve your increase, then we’ll send some documentation and whilst you’re executing that we will activate your increase in the system.

Talk to a business lending consultant today

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Contact us

Call us on 1300 858 904 for a quick chat on how we can help your business grow.
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*This information does not take into account your personal objectives, circumstances or needs. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service before deciding whether to purchase them. ABN: 77 106 249 852 | AFSL: 421414