Export Factoring
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India's #1 Export Factoring Provider
Short-Term Working Capital for Your Export Sales
Export Factoring provides short-term working capital and cash flow solutions for your sales out of India. We credit cover buyers in over 80 countries through our correspondent network. Besides prepaying your invoices, we also provide sales ledger management, collections services, and credit protection for your receivables.
Through export factoring, exporters can unlock working capital tied up in credit sales by converting their export invoices into immediate liquidity — enabling you to focus on growth while India Factoring manages your overseas receivables and supports efficient collection from international buyers.
What We Provide
You Assign Your Receivables. We Do the Rest.
You assign your receivables arising from your export sales to India Factoring. In return, you receive four integrated services — covering your cash flow, your collections, and your buyer risk.
Buyer Risk, Covered
Sell on Credit Terms — Without the Credit Risk
When you extend open-account payment terms to overseas buyers, you carry the risk of non-payment. India Factoring eliminates that exposure. Through our FCI correspondent network, we assess each buyer’s creditworthiness, set an approved credit limit, and cover your receivables against default — so you can confidently offer competitive payment terms and grow your international business without taking on additional credit risk.
80+ Countries Covered
We credit cover buyers across 80+ countries through our global FCI correspondent network.
Up to 100% Coverage
Bad debt protection covering up to 100% of the approved invoice value per buyer.
Buyer Credit Assessment
Each buyer is assessed locally by an import factor in their own market — giving you grounded, real-world credit intelligence.
Fully Unsecured
No collateral or securities required. Factoring is an off-balance-sheet solution that improves your balance sheet ratios.
Your Gateway to Global Marke
India Factoring is a full member of Factors Chain International (FCI) — the world’s leading association of factoring companies. Through FCI, your export invoices are supported by a correspondent network that spans the markets where your buyers are located, giving you collection capability and credit intelligence in 80+ countries without the need for local offices or agents.
Why Exporters Choose India Factoring
From cash flow to collections to credit cover — factoring gives you the tools to grow your export business confidently.
Want to See How the Process Works?
FAQ
Export Factoring is a financial service where you assign your export invoices to India Factoring in exchange for four integrated services: prepayment of up to 90% of the invoice value, sales ledger management, collections from your overseas buyers, and credit protection against buyer default. It is a tailor-made package designed to improve your cash flow and secure your receivables — giving you a competitive edge in international markets.
Export Factoring is available to all companies that export goods or services on open-account credit terms to corporate buyers, offer payment periods of up to 150 days, and maintain a continuous business relationship with their buyers. The receivables must be assignable and free from dispute. If you are exporting and offering credit terms, factoring is likely to be a fit — contact our team to discuss your specific situation.
Unlike a bank loan, export factoring is fully unsecured — no collateral or securities are required. It is an off-balance-sheet solution, meaning it improves your balance sheet ratios rather than adding debt. Funding is tied directly to your invoices, so your finance facility grows naturally as your export sales grow. You also get the added benefits of collections support and credit protection, which a standard bank loan does not provide.
Pricing has three components: a one-time fee to set up the factoring arrangement; a service charge applied to the invoice value for receivables management, collections, and credit protection; and a discounting charge for the prepayment of invoices. The exact rate depends on your export volumes, buyer profile, credit period, and the markets you trade in. Contact our team for a tailored quote.
Ready to Get Started?
Speak to our export factoring specialists and find out how we can put your receivables to work.