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About exporter financing options

Foreign bills negotiated

  • Provides access to short-term finance in the currency of the export documentation
  • Available to exporters who use the documentary collection payment method and have an approved trade finance facility
  • Reduces foreign exchange risk by borrowing the foreign currency of the invoice and immediately converting the loan proceeds to local currency
  • Exporters may also benefit from cheaper foreign currency interest rates  

Trade advance

  • Provides short-term finance for export transactions
  • Helps exporters obtain the finance needed to provide goods or services to buyers 

Australian dollar trade advance

  • A fixed term, fixed interest rate loan available in Australian dollars (AUD)
  • Exporters can be paid either in AUD or a foreign currency
  • Suited to medium-value, quickly settled transactions 

Foreign currency trade advance

  • A fixed term, fixed interest rate loan generally provided in the exporter’s currency
  • Suited to medium-value, quickly settled transactions 

Without recourse export finance

  • Offers advance payment to lenders  irrespective of whether the issuing bank or buyer makes final payment
  • Lets exporters supplement cash flow, free up other loan facilities and remove debtors from the balance sheet
  • The negotiating bank assumes the credit and transfer risk (normally assumed by the exporter) when it agrees to grant finance without recourse 

Trade finance facility

  • Helps exporters meet cash-flow shortages arising from a timing gap between making and receiving payments
  • Allows one or more financing options to be incorporated into a single package 

Insured export finance

  • A loan or series of loans held against an exporter’s receivables
  • Loans are secured by a trade credit insurance policy assigned to CommBank
  • Loans are drawn down on the presentation of a request, an invoice and proof of shipment (e.g., Bill of Lading)
  • Provides fixed interest rate loans in the currency of sales 

Related products

Methods of payment

We offer a variety of options to help exporters receive payment from their buyers in a mutually acceptable way.

Learn more

Managing exporting risk

We offer exporters with risk management of currency during the exporting process.

Learn more

Talk to us

Call 1800 222 398

Call 1800 222 398

New Foreign Currency Account enquiries

(8:30am-5:00pm AEST, Mon-Fri) 

Important information

As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances. Product Disclosure Statement issued by Commonwealth Bank of Australia ABN 48 123 123 124 for Foreign Exchange Service is available on request and should be considered before making any decision about this product. Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the loan offer. Bank fees and charges are payable. Financial markets products contain an element of risk: the level of risk varies depending on the product's specific attributes and how it is used. The Bank will enter transactions on the understanding that the customer has: made their own independent decision to enter into the transaction; determined that the transaction is appropriate; ensured they have the capacity to evaluate and understand the terms, conditions and risks, and is not relying on any communication or information from the Bank as advice. View our Financial Services Guide (PDF 59kb).