Talk to Us

Export Finance for Indian SME exporters

Facilitated through our network of Banks and NBFCs. Unlock the working capital tied up in unpaid export receivables.

 
Register as a Partner
Talk to Our Partnerships Team
  • Overview — Bill Discounting / Invoice Financing

Get paid faster on shipped goods

SGFS, in partnership with leading Banks and NBFCs, offers Export Finance solutions built for Indian SME exporters. Once your goods are shipped, simply submit your export invoice — a significant portion of the invoice value (up to 80%) can be disbursed quickly, with the remaining balance released after your overseas buyer settles the payment, less applicable fees and interest.

This is a collateral-free, invoice-based financing facility (also known as bill discounting, invoice discounting, or export factoring) designed to unlock the working capital that’s otherwise tied up in unpaid receivables.

80%
up to

of the invoice value can be disbursed quickly after shipment.

Ship your goods

Submit your export invoice

Receive funds against the invoice

Balance released after buyer pays

  • Key Features

Built to keep your cash flowing

Quick disbursal of a large share of invoice value shortly after shipment

Balance amount released on receipt of payment from the overseas buyer

Collateral-free — no requirement for hard collateral or extensive financial history

Buyer-centric assessment — evaluation weighted toward the overseas buyer's credit profile

Online invoice submission and tracking for a fast, largely paperless process

Helps you offer more competitive credit terms to overseas buyers without straining your own cash flow

  • Eligibility & Documentation

What you need to apply

Eligibility 

(Indicative)

  • Registered Indian exporter — proprietorship, partnership, LLP, or company — with a valid Import Export Code (IEC)
  • Existing or upcoming export orders to buyers in eligible overseas markets
  • Reasonable trade track record or an established relationship with the buyer
  • Compliance with applicable GST and export documentation norms

Documents Required 

(Indicative)

  • IEC certificate and company incorporation/KYC documents
  • Export invoice(s) and shipping documents (bill of lading / airway bill, packing list)
  • Purchase order or sales contract with the overseas buyer
  • Recent bank statements
  • Overseas buyer details, for credit assessment purposes
Onboarding Process

From enquiry to ongoing financing

1

Enquire

Share your export business and requirement details with SGFS.

2

Document Submission

Provide business, export, and buyer documentation for review.

3

Assessment

The partner Bank/NBFC evaluates the transaction and buyer creditworthiness.

4

Facility Setup

Credit limit is approved and your account is activated.

5

Ongoing Financing

Submit invoices online as you ship, and draw funds against them.

  • Restricted Categories

Goods and counterparties generally not eligible

Certain goods, sectors, and counterparties are generally not eligible for financing under trade finance regulations and standard Bank/NBFC risk policy. These typically include (illustrative, not exhaustive):

  • Arms, ammunition, and defence-related goods
  • Existing or upcoming Gambling, betting, and gaming-related businessesexport orders to buyers in eligible overseas markets
  • Hazardous, radioactive, or environmentally restricted materials
  • Shell companies or entities without genuine trade operations
  • Narcotics and controlled substances
  • Cryptocurrency and virtual currency trading
  • Trade involving sanctioned countries, entities, or individuals

*The final list of restricted categories, and eligibility for financing, is determined by the respective Bank/NBFC’s policies and applicable regulatory requirements.

Send Us an Enquiry