Where it can help
May match liquidity to trade milestones and support reliable supplier settlement.
SOLUTIONS / Up to US$5M
Export & Import Finance
Support eligible cross-border procurement, pre-shipment production, post-shipment receivables and import purchases. Structures may include packing credit, bill discounting, letters of credit or other lender-approved trade facilities.
WHO IT MAY SUIT
Export manufacturers, merchant exporters, importers and international distributors
When to consider this facility
A confirmed overseas order requires procurement before shipment, or imported inputs must be paid for before domestic collections.
Use the facility for a defined, permitted business purpose with a documented source of repayment. Apply ahead of the cash requirement so that assessment, conditions and documentation can be completed.
What to weigh carefully
Currency movements, country risk, discrepancies, freight delays and buyer non-payment can erode margins. Foreign-currency borrowing adds exchange exposure.
THE CLIENT’S PERSPECTIVE
Make the numbers work first.
Model landed costs, currency sensitivity and collection timing. Review documentary conditions, permitted end use and applicable FEMA/RBI requirements with the authorised dealer bank.
A practical preparation tip
Align the invoice currency, hedge decision and repayment date; verify whether credit insurance covers your buyer and transaction.
ILLUSTRATIVE CLIENT SITUATION
How the requirement might arise
An exporter must purchase inputs now and expects overseas payment after shipment. Assessment would test the purchase contract, buyer quality, shipping schedule, insurance and ability to repay if realisation is delayed.
Hypothetical example for explanation. This is not an actual customer testimonial, completed transaction or assurance of funding.
Before you accept an offer
Ask for the lender’s identity, all-in rupee cost, annualised pricing where applicable, processing and other fees, security, guarantees, covenants, repayment schedule and default provisions. Confirm that the facility’s permitted use matches the proposed transaction.
Consider a lower-cost existing-bank enhancement or supplier terms where suitable. Defer borrowing if the purpose, underlying margin or repayment source cannot withstand a reasonable downside scenario.
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