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Short term post-shipment finance

We can provide you with short term, post-shipment finance by negotiating (or buying) the bill of exchange for up to 100% of its face value. In addition, you can expect:

  • A credit period of less than 180 days
  • No minimum limit
  • No delays - we'll give you the payment up front
  • Attractive, competitive interest rates
  • Use of our cash management tool.


  • Finance is available for up to 180 days, being the total trade transaction
  • Interest can be charged on a discount (establishment) or yield (payment) basis.


  • The terms of the negotiation will match that of the underlying trade transaction as long as this doesn't exceed 180 days
  • A credit assessment will be undertaken so that we can supply a credit limit based on your trade needs
  • If the bill or documents forwarded overseas for payment are refused or dishonoured after acceptance, we have recourse to the exporter.




Arrange for Westpac’s bill of exchange negotiations process by:

  • Calling our International Trade Solutions team on 1300 139 152
  • Contacting your Relationship Manager.

Transact online through WinTrade

  • If you’re a Westpac customer with WinTrade access, you can transact online.
  • If you require WinTrade access, call our International Trade Solutions team on 1300 139 152.
Things you should know

Credit facilities are subject to application and the Bank's normal lending assessment criteria. Fees and charges may apply to the products and services listed. Full details of the Terms and Conditions for all the products and services which do not have a Product Disclosure Statement are available on application.