Import / Export Finance

Finance your international trade.

Cross-border trade shouldn't mean cash flow gaps. Dhanvraksh's Import and Export Finance solutions help Indian businesses unlock working capital against international invoices and trade transactions.

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Overview

What is Import / Export Finance?

Import and Export Finance encompasses a range of financing products designed to support businesses engaged in international trade. For exporters, it bridges the gap between shipment and payment — advancing funds against export invoices or letters of credit. For importers, it provides the working capital needed to purchase goods from overseas suppliers.

The key challenge in international trade is the timing mismatch: exporters often wait 60–120 days for payment from overseas buyers, while importers need to pay suppliers upfront or on short credit terms. Dhanvraksh's trade finance solutions solve this mismatch.

We work with banks and NBFCs that specialise in trade finance to offer export invoice discounting, pre-shipment finance, post-shipment finance, letter of credit discounting, and import financing — all through a single, easy-to-access platform.

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Products

Our Import & Export Finance Products.

Export Finance

Best For: Exporters, Trading Houses, Manufacturers exporting goods
Pre-Shipment Finance: Working capital to procure raw materials and manufacture goods before export
Post-Shipment Finance: Advance against export invoices after shipment — bridge the gap until overseas buyer pays
Export Invoice Discounting: Finance against buyer-accepted export invoices
LC Discounting: Discount Letters of Credit issued by overseas banks
Tenor: 30–180 days typically
Currencies: INR and major foreign currencies

Import Finance

Best For: Importers, Traders, Manufacturers importing raw materials or components
Import Invoice Financing: Finance the purchase of imported goods against import invoices
Letter of Credit (LC) Facility: Bank guarantees payment to overseas suppliers — improving your credit terms
Buyers Credit: Financing to pay overseas suppliers with extended repayment timelines
Usance LC: Deferred payment facilities against import transactions
Tenor: 30–180 days
Competitive forex conversion rates

Benefits

Why businesses use Import / Export Finance.

Bridge Payment Gaps

Exporters get funded immediately after shipment instead of waiting months for overseas buyers to pay.

Grow Export Volumes

Access pre-shipment finance to take on larger export orders without worrying about procurement costs.

Strengthen Supplier Terms

Importers can offer overseas suppliers guaranteed payment (via LC) to negotiate better pricing and priority.

Reduce Currency Risk

Access forex-linked financing solutions that help manage exchange rate risk on international transactions.

No Collateral for Export Finance

Export invoices and trade documents act as security. No need to pledge fixed assets for invoice-backed facilities.

ECGC Backed Products

Export credit products backed by ECGC insurance provide additional protection and enable higher advance ratios.

Product Details

Import / Export Finance — key parameters.

Parameter	Export Finance	Import Finance
Best For	Exporters, Trading Houses, Manufacturers	Importers, Traders, Manufacturers
Instrument	Export invoices, LCs, Shipping documents	Import invoices, LCs, Buyer credit
Advance Ratio	Up to 90% of invoice / LC value	Up to 100% of import invoice value
Tenor	30–180 days	30–180 days
Typical Rate	7% – 14% p.a.	7% – 16% p.a.
Currency	INR, USD, EUR, GBP, others	INR linked to forex
Collateral	Invoice / trade document backed	LC / invoice backed

Industry Suitability

Who benefits from trade finance solutions?

Exporters

Manufacturers and trading houses exporting to international buyers. Get funded post-shipment without waiting for overseas payment cycles.

Importers

Businesses importing raw materials, components, or finished goods. Access LC facilities and buyers credit to manage overseas supplier payments.

Trading Houses

Companies engaged in both import and export. Access comprehensive trade finance solutions across the entire trade cycle.

MSMEs in Export

Small and medium exporters often struggle with working capital. Pre-shipment and post-shipment finance enables them to fulfil larger export orders.

Eligibility & Documents

Simple requirements for trade finance.

Eligibility Criteria

Registered Indian business entity with import/export license
Valid IEC (Import Export Code) registration
Active GST registration
Minimum 1 year of import/export operations
Track record of international trade transactions
Clean banking history

Documents Required

IEC certificate
Business KYC (PAN, GST, incorporation documents)
Export/Import invoices and shipping documents
Bank statements (last 12 months)
Audited financials (last 2 years)
Letter of Credit (if LC-based financing)
Purchase order or buyer contract

Apply Now

Finance your international trade today.

Dhanvraksh connects exporters and importers with specialist trade finance lenders. Whether you need post-shipment funding, pre-shipment working capital, or import credit — we will find you the best solution at competitive rates.

Export invoices funded within 24–72 hours
LC discounting and buyers credit available
Both INR and forex-linked solutions
Speak to a specialist: info@dhanvraksh.com

FAQs

Frequently asked questions.

What is export invoice discounting?

Export Invoice Discounting (post-shipment finance) is a facility where an exporter receives an advance against their export invoice after shipment. The lender advances 80–90% of the invoice value in INR or foreign currency, and the advance is repaid when the overseas buyer makes payment on the due date.

What is pre-shipment finance?

Pre-shipment finance provides working capital to exporters before they ship the goods — specifically to procure raw materials, manufacture products, and pack for export. It is typically based on a confirmed purchase order or export order from the overseas buyer.

What is LC discounting?

Letter of Credit (LC) Discounting is a facility where a bank or NBFC discounts a Letter of Credit issued by an overseas bank on behalf of the importer. The exporter receives immediate payment against the LC instead of waiting for the LC maturity date. It is one of the safest forms of export finance.

Do I need ECGC cover for export finance?

ECGC (Export Credit Guarantee Corporation) cover is not always mandatory but is often beneficial — it enables lenders to offer higher advance ratios and lower rates by reducing their credit risk on export transactions. For new exporters or those dealing with buyers in higher-risk countries, ECGC cover is strongly recommended.

How long does it take to get export finance approved?

Initial onboarding and credit assessment typically takes 3–7 business days. Once a facility is established, subsequent drawdowns (against specific invoices or shipments) can be processed within 24–48 hours.