Lender panel
Finstro through Lyft Money
Finstro is an Australian trade credit and supplier payment platform that pays a business's suppliers upfront and gives the business extended terms to repay. Rather than a conventional term loan, it functions as a revolving trade account combined with a payment card, which suits businesses buying stock, materials or consumables regularly from multiple suppliers.
Lyft Money is an independent broker. Finstro is one of 18+ lenders on our panel; we are not Finstro and do not speak for them. Product details change — your broker confirms current terms before anything is submitted.
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Typical speed | Commonly a few business days to establish |
| Products we place | Trade finance, Business line of credit, Business overdraft |
| Website | www.finstro.com |
Where Finstro is strong
- Extends payment terms on supplier invoices without renegotiating with each supplier
- Revolving limit that can be used repeatedly across many suppliers
- Suppliers are paid promptly, which can support early-settlement discounts
Things to weigh up
- Designed for trade purchases rather than general cash withdrawals
- Costs accrue on extended terms, so the benefit depends on your margin cycle
- Limits are reviewed and can be adjusted as trading changes
Trade credit fixes the mismatch between paying for materials and being paid for the job. Finstro settles supplier invoices immediately and gives the business a longer window to repay, so a builder or a wholesaler can order what a job needs without draining the account before the progress claim is paid.
It works best where purchasing is regular and margins are known, because the cost of the extended terms has to be carried by the job. We look at the buying cycle and the payment terms on the sales side before recommending it, and compare it against an overdraft or invoice facility where those would be cheaper.
Key terms
Finstro trade account
A revolving facility that pays a business's suppliers upfront and gives the business extended terms to repay, used across multiple suppliers.