Tradeline Finance
A revolving facility that pays your suppliers directly and gives you 90-120 days to repay. Tradeline finance extends your effective payment terms without impacting supplier relationships.
Key Features
Extended Terms
Repay over 90-120 days, even when suppliers demand shorter terms
Direct Supplier Payment
Funder pays your suppliers directly — simple and transparent
Revolving Facility
Draw down and repay as needed — available funds replenish automatically
Preserve Relationships
Suppliers get paid on time while you benefit from extended terms
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationWhat Is Tradeline Finance?
Tradeline finance is a revolving facility designed specifically for supplier payments. The funder pays your approved suppliers directly, and you repay the funder over an extended period — typically 90 to 120 days.
This effectively extends your payment terms without impacting your supplier relationships.
It works like a business credit card for supplier payments, but with higher limits, lower costs, and more structured repayment terms.
How Tradeline Finance Works
You submit supplier invoices to the tradeline provider. The provider pays the supplier directly (often within 24-48 hours), and you repay the provider according to the agreed schedule — typically 90-120 days with equal monthly instalments or a balloon at maturity.
As you repay, your available facility limit is replenished, creating a revolving line of funding that supports ongoing purchasing activity.
Ideal For
Tradeline finance is ideal for businesses that buy on short payment terms (7-30 days) but sell on longer terms (45-90 days), creating a cash flow mismatch. It is widely used by importers, wholesalers, retailers, manufacturers, and project-based businesses.
It is also valuable for businesses that want to take advantage of bulk pricing or early payment discounts offered by suppliers.
Why Choose Andorra Private
We work with specialist tradeline providers to arrange facilities that match your purchasing patterns and cash flow cycle. Our team ensures the facility is structured to maximise your buying power while keeping costs transparent and manageable.
Discuss Your Tradeline Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
Ready to Get Started?
Start your application today and get a response within 24 hours from our finance specialists.