Introduction

Export Credit
Trade Finance for Global Business Growth

Export Credit is a financial solution designed to support businesses involved in exporting goods and services to international markets. Export businesses often require additional working capital to manage production, packaging, transportation, customs processing, and overseas marketing expenses before receiving payments from international buyers. Export credit supports businesses in managing export operations efficiently by offering financial assistance throughout the international trade process.

This type of financing is commonly used by manufacturers, traders, agricultural exporters, textile businesses, food processing companies, handicraft producers, and industrial enterprises engaged in global trade activities. Export credit helps businesses improve international market reach, strengthen export performance, and maintain financial stability during overseas transactions.

Importance

Why Export Credit Matters

International trade usually involves longer payment cycles compared to domestic business transactions. Exporters may need to wait several weeks or months to receive payments from overseas buyers after goods are shipped. During this period, businesses still need funds to manage operational expenses, production activities, employee salaries, and logistics costs.

Pre-Shipment Finance

Fund production & raw materials

Post-Shipment Finance

Bridge payment gaps

Raw Material Purchase

Manufacturing inputs

Shipping & Logistics

Transport & customs

Export Marketing

Global promotion

Compliance

Quality certification

Export Sectors We Support

Export Credit Solutions Across Industries

Tailored trade finance for diverse export sectors

Manufacturing

Industrial Goods

Textiles

Garments & Fabrics

Agriculture

Agri-Exports

Food Processing

Processed Foods

Handicrafts

Artisan Products

Key Features

Why Choose Our Export Credit Solutions

Flexible Limit

Up to ₹25 Crores+

Competitive Rates

Starting from 7.8% p.a.

Flexible Tenure

Up to 24 months

Pre & Post Shipment

Full coverage

Quick Disbursal

Fast processing

Export Benefits

RBI supported

Eligibility Criteria

Who Can Apply?
Simple Eligibility Norms

IEC Holder / Export Business
Minimum 1 Year Export Experience
Export Order / Contract
Financial & Export Statements
Good Export Track Record
Repayment Capacity

Calculate Your Export Credit EMI

Plan your repayment with our easy EMI calculator

Estimated Monthly EMI: ₹0
Common Uses & Benefits

Empowering Exporters
Smart Trade Finance for Global Growth

Pre-Shipment Finance

Fund raw material purchases, production costs, labor expenses, and packaging before shipping goods to international buyers. Ensure timely order completion.

Post-Shipment Finance

Bridge the payment gap between shipping goods and receiving payments from overseas buyers. Maintain cash flow while waiting for export proceeds.

Raw Material & Inventory Management

Purchase raw materials, maintain sufficient inventory levels, and ensure uninterrupted production for export orders.

Shipping & Logistics Expenses

Manage transportation costs, freight charges, customs duties, warehousing, and documentation expenses for international shipments.

International Marketing Activities

Participate in trade fairs, develop online export platforms, run global marketing campaigns, and attract international buyers.

Export Compliance & Quality Certification

Obtain product certifications, meet international quality standards, and ensure compliance with global trade regulations.

Required Documents
Export Business Documents
  • IEC (Import Export Code)
  • Business Registration / GST
  • PAN Card of Business
  • RCMC / Export Registration (if any)
Financial & Export Documents
  • Bank Statements (Last 12 Months)
  • Export Sales Statement / GR Waiver
  • Purchase Order / Export Contract
  • Invoice / Shipping Documents
Additional Documents
  • Business Address Proof
  • Buyer Details / Credit Report
  • Existing Loan Statements (if any)
  • Export Order Confirmation

Smart Tips for Export Credit Success

Maintain good relationship with international buyers

Keep proper documentation of all export transactions

Research buyer creditworthiness before large orders

Calculate working capital requirements for each export order

Maintain export credit insurance for risk coverage

Build strong relationships with freight forwarders

FAQs

Frequently Asked
Questions

What is Export Credit?

Export credit is a financial solution that provides working capital to businesses for manufacturing, processing, packaging, shipping, and managing export orders before receiving international payments.

Who can apply for export credit?

Manufacturers, merchant exporters, agricultural exporters, textile businesses, and any IEC holder engaged in international trade can apply.

What credit amount can I get?

Credit limits vary based on export turnover and order size. We offer from ₹5 lakhs to ₹25 crores+ for eligible exporters.

How fast is approval?

With proper export documentation and confirmed orders, approvals can be completed within 24-48 hours.

What interest rates are offered?

Interest rates start from 7.8% p.a. with special export finance schemes available for eligible exporters.

Is collateral required?

Export credit is often available against confirmed export orders with flexible collateral requirements.

Why Login to SME

Your Trusted Partner for Export Credit

At Login to SME, we understand that exporters need reliable working capital to fulfill international orders. Our export credit solutions provide pre and post-shipment finance to help you manage production, shipping, and payment cycles. With quick approvals, competitive rates, and flexible terms, we make trade finance seamless — so you can focus on growing your global business and expanding into new international markets.

Apply for Export Credit
Grow Your Export Business

Ready to Expand Your Global Trade?
Get Export Credit Today

Export Credit provides the working capital exporters need to manufacture, process, package, and ship goods to international buyers. Whether you need pre-shipment finance for raw materials or post-shipment finance for payment gaps, our tailored trade finance solutions help you fulfill export orders confidently and grow your global presence.

Apply for Export Credit → Talk to Trade Finance Expert