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Supply chain finance

Supply chain finance provides a range of financing and risk mitigation solutions designed to optimise working capital and liquidity in domestic and international supply chains. Our solutions differ depending on whether you’re a supplier (receivables finance) or buyer (payables finance).

 

Receivables finance

Receivables finance is a supplier-led working capital solution, where the supplier (ANZ customer) sells to ANZ the trade receivable due from its buyer (approved by ANZ), on a limited recourse basis to the supplier. ANZ has the right to receive payment from the buyer, and in the event of non-payment, the ability to enforce this right against the buyer.

Mechanics of receivables finance

  1. The supplier receives a purchase order for goods from their buyer
  2. The supplier fulfils the order by delivering the goods and invoicing the buyer – evidencing a future payment obligation of the buyer
  3. If the buyer has been approved by ANZ, the supplier can present the invoice together with a purchase request to ANZ
  4. If ANZ accepts the purchase request, we will purchase the invoice at the pre-agreed purchase price
  5. ANZ takes an assignment over the purchased receivable
  6. At the invoice due date, the buyer pays the full invoice value to ANZ

Potential benefits of receivables finance

  • Access to funding/liquidity to match the exporter’s sales terms, or as required when an exporter’s sales terms are not sufficient
  • Potential to negotiate better commercial terms with exporters (e.g. reduced costs) and benefit from any early payment discounts offered by exporters.

Payables finance

Payables finance is a buyer-led, digital solution that allows a buyer (ANZ’s customer) to arrange early payment of approved invoices due to suppliers on the due invoice date.

Mechanics of payables finance

  1. The buyer places an order for goods with its supplier
  2. The supplier fulfils the order by delivering the goods and invoicing the buyer – evidencing a future payment obligation of the buyer
  3. The buyer uploads the approved invoice and provides a payment undertaking to ANZ that they will pay the full invoice value to ANZ on the invoice due date
  4. The supplier is able to view all accepted invoices on the supplier portal and request a selection of invoices or all invoices to be paid early by ANZ
  5. ANZ pays the supplier at the requested early payment date at a discount to the invoice face value
  6. At the invoice due date, the buyer pays the full invoice value to ANZ

Potential benefits of payables finance

  • Improve supplier loyalty by reducing the risk of non-payment
  • Early payment to suppliers for goods sold supports a healthy financial base to provide a consistent service

Are you ready to spread your wings?

ANZ Be Trade Ready contains important information on how to create a bespoke international expansion plan for your business.

Visit ANZ Be Trade Ready

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and just about everything in between

ANZ Institutional supports customers across a wide range of industries operating domestically or moving goods and capital across Asia-Pacific and beyond.

 

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If you're an existing customer
speak to your ANZ Relationship Manager
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For general enquiries 
from within Australia

Call 1300 883 798

 


For general enquiries
from overseas

Call +61 3 9601 1260

 

ANZ Trade Terms (PDF 288 kB)

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