Trade finance for importers and exporters managing currency, shipping times and supplier deposits.
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Import and export businesses often need to pay suppliers weeks or months before receiving payment from customers. Add supplier deposits, international shipping, foreign exchange and longer trading cycles, and it's easy to see why cash flow can become stretched, even for profitable businesses.
At 3LANE Finance, we help importers and exporters across Sydney and NSW secure finance that's structured around the realities of international trade. We arrange trade finance, import and export finance, supply chain finance, purchase order finance and invoice and debtor finance, and compare lenders across our broad lender panel to find solutions that bridge the gap between paying suppliers and getting paid.
We understand that not every lender assesses import and export businesses in the same way. By presenting your trading cycle and cash flow requirements clearly, we help lenders gain a more accurate understanding of your business and funding needs.
Import and export businesses have unique funding requirements. We understand how international trade operates and help structure finance around your trading cycle, cash flow and growth plans.
We compare finance options across many banks and specialist non-bank funders. Rather than being limited to one lender's products, we help you find a finance solution that's suited to your business and international trading activities.
We understand the cash flow gap between paying overseas suppliers and receiving payment from customers. We structure your finance around your trading cycle, helping ensure funding is available when your business needs it most.
Not every lender assesses import and export businesses in the same way. Before you apply, we identify the lenders whose lending criteria align with your circumstances, helping position your application more effectively while avoiding unnecessary applications.
From your first conversation through to settlement, we manage your finance application, liaise with the lender and keep the process moving. As your business grows and your funding needs evolve, we're here to help you review your finance options and support your next stage of growth.
Import and export businesses are often assessed differently from standard trading businesses. Lenders may consider supplier concentration, customer concentration, inventory turnover, shipping times, foreign exchange exposure, debtor quality and the length of the trading cycle when determining lending appetite.
Import and export businesses need finance that's built around international trading cycles, not standard business lending.
Paying overseas suppliers, funding goods in transit and waiting for customer payments can create significant pressure on cash flow, even when your business is growing strongly.
We structure finance around the way your business operates, helping bridge the gap between paying for stock and receiving payment from customers. By comparing lenders across our broad lender panel, we help you find funding that's aligned with your trading cycle and future growth plans.
International trade creates unique funding challenges. We simplify the lending process by understanding your trading cycle, matching you with the right lender and managing your application from start to finish.
We take the time to understand your business, trading cycle, cash flow, security and funding requirements. We also consider the factors lenders assess when financing import and export businesses.
We compare lenders, loan structures and repayment options before you apply. By matching your business with a lender that's suited to your circumstances, we help improve your chances of approval and secure finance that supports your growth
We prepare your application, liaise with the lender and keep the process moving through to settlement. With 3LANE Finance managing the details, you can stay focused on running your business..
Estimate your repayments and borrowing power. Indicative only. Your broker confirms the real figures.
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentBased in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
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Quick answers for clients comparing finance options.
In many cases, yes, through working capital finance structured around your specific trade cycle. We help match you with lenders on our panel that can support your trading cycle and business circumstances.
Yes. We arrange commercial property finance for warehousing and distribution premises, structured around your business's serviceability.
Yes. We arrange equipment finance for warehousing, handling and logistics equipment, comparing chattel mortgage, lease and rental structures.
Not all lenders are equally familiar with import and export cash flow. That’s why we compare your scenario across a broader panel to find the right finance solution for your business.
This depends on the lender and the strength of your application, including any existing supplier or customer relationships and contracts in place.
We work across many lenders and specialist non-bank funders. We compare suitable options across our lender panel based on your business, trading cycle and funding requirements.
In some cases, yes, through working capital or inventory-related finance structured around a specific order or contract. We assess your scenario against lenders who can support this type of business scenario.
Our services are typically free to you, as the lender pays us a commission when your finance settles. If a particular scenario ever required a fee, we would explain and agree this with you in writing first.
Currency movements can affect your margins and cash flow, which some lenders factor into their assessment. We help present your company's overall financial position with this context.
Yes. We check in periodically to see whether your current rate, structure and features still suit your business, as it grows.
Whether you’re funding supplier payments, inventory or working-capital gaps, we help structure finance around your trading cycle and connect you with lenders suited to your business.
