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Global Trade

Export Finance Solutions

Navigate global markets with confidence. We provide end-to-end working capital solutions for exporters, from order procurement to realization.

Check Eligibility Services

Pre & Post Shipment Invoice Factoring Forex Advisory

Bridging Borders

International trade offers immense opportunities but comes with long working capital cycles. Vardhman Finance's Export Credit facilities ensure that your cash flow remains healthy while your goods travel across the world.

We offer tailored solutions like Packing Credit (to buy raw materials) and Bill Discounting (to get cash against shipping documents). Whether you trade in USD, EUR, or GBP, our competitive forex rates protect your margins.

Trade Products:

Packing Credit (PCFC): Pre-shipment finance in foreign currency.
Bill Discounting: Instant cash against export invoices.
Factoring: Receivables management and protection.
LC Discounting: Monetize Letters of Credit instantly.

Why This Loan Works

Empowering you to compete globally.

Lower Rates

Access global interest rates (LIBOR/SOFR linked) which are significantly lower than INR rates.

Credit Insurance

Protection against non-payment by overseas buyers through our ECGC tie-ups.

Multi-Currency

Maintain accounts and limits in USD, EUR, GBP, JPY, and more to hedge currency risk.

Fast Turnaround

Document scrutiny and limit setup within 7 days to ensure you don't miss shipment deadlines.

Eligibility Criteria

License

Valid Import Export Code (IEC) issued by DGFT.

Vintage

Minimum 2 years of export history.

Order Book

Confirmed Export Orders or LCs from reputed buyers.

RCMC

Registration with relevant Export Promotion Council (e.g., FIEO, APEDA).

Documents Required

Company KYC IEC, GST, MOA/AOA, and RCMC Certificate.
Financials Last 3 years Audited Financials with Export Turnover details.
Order Proof Original Export Order / Contract / Letter of Credit.
Buyer Reports Credit reports of overseas buyers (if available).

Rates & Charges

Transparent pricing for international business.

Charge Type	Details
PCFC Rate (USD)	SOFR + 2.50% to 4.00% p.a.
Packing Credit (INR)	8.50% - 10.50% p.a. (Subvention benefits extra)
Processing Fee	0.75% - 1.25% of Limit Sanctioned
LC Advising Charges	₹1500 per LC
Forex Margin	Competitive spread on card rates.

Export Cycle Financing

Support at every stage of trade.

Order

Submit export order. We sanction Pre-shipment credit to buy materials.

Shipment

Goods shipped. Submit Bill of Lading and Invoice to us.

Discounting

We convert Pre-shipment loan to Post-shipment and release balance cash.

Realization

Buyer pays on due date. Loan is adjusted, and surplus is credited to you.

The Vardhman Advantage

International trade is complex. We simplify it. Our dedicated trade desk helps you with documentation, compliance, and currency hedging strategies.

Gold Card Status

Faster processing and better rates for star export houses.

Advisory

Free consultation on FEMA regulations and country risk.

Frequently Asked Questions

Do I need collateral?

Primary security is the export receivables. Collateral requirements depend on your credit rating; often, partial collateral or ECGC cover is sufficient.

What is Interest Equalization Scheme?

It is a Govt of India scheme where eligible exporters get an interest rebate (subsidy) of 2% to 3% on Pre and Post Shipment Rupee Export Credit.

Can I get a loan for Deemed Exports?

Yes, supplies to SEZ, EOU, or against Advance Authorization are treated as Deemed Exports and are eligible for export finance.