Import Export Finance
Complete trade finance solutions for importers and exporters. Letters of Credit, Bank Guarantees, Packing Credit, and Buyer's Credit at competitive rates.
Overview
Import–Export Finance includes a full suite of products that help businesses manage international trade — paying foreign suppliers, receiving money from overseas buyers, and managing risks such as non-payment, currency fluctuation, and shipment delays. Solutions include Letters of Credit (LC), Bank Guarantees (BG), Buyer's Credit, Packing Credit (Pre-shipment), Post-Shipment Finance, Export Bill Discounting, Factoring, and Forfaiting. ZatpatLoans.com connects MSMEs, traders, and manufacturers to banks like SBI, HDFC, ICICI, and EXIM Bank India for the most competitive trade finance terms.
Key Features
Letters of Credit (LC)
Bank-guaranteed payment to overseas suppliers — the most trusted trade instrument.
Buyer's Credit
Foreign currency loan to pay suppliers at lower international interest rates.
Packing Credit
Pre-shipment finance for raw materials, manufacturing, and packaging.
Post-Shipment Finance
Cash against export invoices to bridge payment cycles.
Bank Guarantees
Performance, financial, and bid bond guarantees for international contracts.
Forex Hedging
Forward contracts to protect against currency fluctuation losses.
Other Services
Eligibility Criteria
- Importer/exporter with valid IEC (Import Export Code)
- GST registered MSME, trader, or manufacturer
- Stable business operations (typically 2+ years vintage)
- Good banking and credit history with no major defaults
- Verifiable purchase/export orders and supplier-buyer credibility
Documents Required
- IEC (Import Export Code) certificate
- GST registration and recent returns
- KYC of business and promoters
- Purchase order / export order
- Commercial invoice and packing list
- Bill of lading / airway bill / shipping bill
- Insurance documents and inspection certificates
Application Process
Share trade requirement and documents to compare bank trade finance offers
Open LC / sanction credit limit after due diligence and KYC
Bank facilitates payment to supplier or discounts your export bill
Settlement on agreed terms — repayment after credit period or buyer payment
Best Tips for Import Export Finance
Use Letters of Credit for new buyer/supplier relationships to minimize counter-party risk.
Hedge forex exposure using forward contracts to protect margins.
Compare INR vs foreign currency loans — buyer's credit can be 3–5% cheaper.
Maintain compliant documentation to avoid RBI / customs delays.
Explore EXIM Bank schemes for medium-term capital goods imports.
Use packing credit for cyclical export businesses to fund production.
EMI Calculator
Plan your finances with our easy-to-use EMI calculator. Get instant results for any loan amount.
Import Export Finance FAQs
Common questions about import export finance services.
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