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Importers · Wholesalers · Distributors

Working Capital for
Import Business - cycle-matched

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

A single facility structured for your import cycle - not a one-size-fits-all overdraft that doesn't understand your pattern.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Importers, wholesalers and distributors who need working capital that works with (not against) their import cycle.

Established importer with 2+ years of trading history
Multiple shipments per year with predictable cycle
Mix of B2B and B2C sales channels
Growing SKU count and inventory base
Currently cash-constrained between shipments
Want a revolving facility, not a one-off loan

The real challenge

Most importers' first lender is a simple business overdraft - which works for small businesses but breaks at scale. The overdraft limit doesn't flex with shipment timing; interest is calculated daily on peak drawdown; and the facility doesn't appreciate the 180-day cycle.

A properly-structured working capital facility for an importer combines a revolving line (for day-to-day), an inventory finance line (sized to average stock), and often invoice finance on top (for B2B invoice ageing). The combined facility is both bigger and cheaper than an equivalent-sized overdraft.

How Mortgagefy helps

Cycle-matched design. We review 24 months of bank statements to see your actual pattern, then design the facility to match.
Combined-facility structure often beats a single overdraft on both size and cost.
Scales with your growth. Lines expand automatically as your inventory and invoice runs grow.
Honest LVR expectations set upfront on each facility type.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Pattern analysis

Review 24 months of bank statements, latest BAS, and your import schedule for the next 12 months.

Facility design

Size each line (revolving, inventory, invoice) to the cycle; combine into a single lender relationship where possible.

Lender shortlist

Specialist multi-product trade lenders who structure combined facilities.

Settlement

6-10 weeks typical for a multi-product trade facility; faster for simpler structures.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

Is this different from an overdraft?

Yes - typically bigger (sized to your actual peak need) and cheaper per effective dollar used. An overdraft prices against daily peak drawdown; a structured working capital facility prices each line against its actual utilisation.

Do I need separate lenders for each line?

Not necessarily - several specialist trade finance lenders offer combined facilities (revolving + inventory + invoice) under one credit relationship. Simpler to manage, usually cheaper than three separate lenders.

Can I include letters of credit in the structure?

Yes - LCs often sit alongside the working capital facility as a separate utilisation line. Same lender, different credit sub-limit.

How do you decide the right size?

From the pattern analysis: peak drawdown over the last 24 months × 1.3 as the headline limit. Each sub-line sized to its specific role (inventory ~ average stock value, invoice ~ 60 days of invoiced revenue).

What's the typical pricing?

Depends on mix. Rough combined pricing is similar to a mainstream overdraft on the revolving portion, with inventory and invoice priced slightly higher. We model total dollar cost per month at expected utilisation.

Does my business need to be profitable to qualify?

Mostly yes - trade finance lenders want 2 years of profitable trading. Loss-making importers with growth plans need to look at specialist growth lenders or equity instead.

Get your free import working capital assessment

Revolving + inventory + invoice finance combined. Cycle-matched facility, scales with your growth.

Start Your Free Assessment Call 0432 634 648

Related guides

Business Loan to Import Stock

Shipment-specific trade finance.

Import / Export Business Loan

Broader import/export category.

Invoice Finance Australia

Standalone invoice finance detail.

Supply Chain Finance Australia

Buyer-led supplier finance.

Working Capital Loan

General working capital hub.

Business Expansion Loan Sydney

Growth capital alongside working capital.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Working Capital forImport Business - cycle-matched