Trade and Supply Chain Finance solutions
Expand your trade opportunities with confidence

Issuance of Documentary Credits

Documentary credit assures the suppliers of timely payment upon presentation of documents and provides comfort to the buyer that payment will be made only once documents evidencing shipment of goods have been received.

Import Loans (Loan against Trust Receipt)

Importers can access working capital by availing Loan Against Trust Receipt to pay for their imports and helps improve cash flow by bridging the gap between their payment obligation and when they would receive payment from their sales.

Documentary Collections

Documentary collection is a form of trade finance in which an exporter is paid for goods by an importer after the banks of the two parties exchange the required documents. The exporter's bank collects funds from the importer's bank in exchange for documents releasing title to the shipped merchandise, usually after the goods arrive at the importer's location.

Export Documentary Credits

Export Documentary Credits are a globally used method of payment in international trade. Suppliers can use them when their buyer is situated in a country that is economically or politically unstable. They can also be used to finance the term of payment, gain a considerable competitive edge and boost your cash flow gain.

Export DC Confirmation

With a Documentary Credit (DC) confirmation, a bank gives the supplier an additional payment assurance by agreeing to pay the supplier on a limited recourse basis – even if their buyer is unable to. It can help the supplier effectively mitigate counterparty and country risk when doing business internationally and puts them in a better position to work with new customers or expand into new markets.

Post Shipping Finance

Post Shipment Finance is a loan provided by bank to an exporter against shipment that has already been made. This helps exporters avoid the wait for the importer to deposit the funds.

Import and Export Finance Services

Trade confidently in international markets by effectively managing risks and improving cash flow for your sales & purchases

Guarantees

Conduct business with confidence, even in the absence of established relationships.

Benefits:

• Reduces cross-border risks
• Ensures timely payments
• Provides comfort to suppliers of payment upon performance
• Protects against non-performance by parties under the contract

Standby Letter of Credit

Also known as a documentary credit, a Standby Letter of Credit offers a guarantee to the supplier that they will be paid, provided they comply with the terms of the credit. They also reassure the buyer that no payment will have to be made until they receive the goods.

Financial Guarantees

An undertaking issued by a bank to secure the payment obligation of a party that can help in securing favourable contract terms even when entering into contracts with parties from unfamiliar geographies.

Non-Financial Guarantees

Also known as Performance Guarantee or Advance Payment Guarantee, this is an undertaking issued by a bank for payment against non-performance by a party under the contract. It helps to negotiate better contract terms and secure upfront payments as the non-performance is secured via a non-financial guarantee.

Factoring

Factoring is a receivable finance solutions where the supplier can avail of financing by assigning their receivables to the Bank (also called Factor) for a purchase consideration and/or other value added services like credit protection, collection reconciliation etc. The Bank purchases accounts receivable and pays a purchase consideration to the supplier. At maturity, Bank collects/receives payment for the dues from the debtors (party that has to make payment) to settle the financing. The financing by bank can be against risk of the debtor (non-recourse to supplier) or on a with recourse basis to supplier.

Invoice Discounting

Discounting against invoices can be availed by Suppliers to receive upfront payment and optimize their future cash flows. Discounting can be tailored to suit the requirement for pre-acceptance or a post –acceptance stage of the invoice as well as on non-recourse basis wherein the credit risk is on Debtor (party that has to make payment ) secured by their undertaking such as accepted Bills of Exchange(s) or Promissory Note(s).

Cheque Discounting

Cheque discounting is a revolving funded facility against future dated cheques and helps in reducing cash conversion cycle and improves liquidity.

Borrowing base Finance

Financing offered against a pool of assets such as account receivables or inventory that is operationally less intensive and enables better working capital management. Borrowing base receivable financing solution relies on the principle of financing amount derived from the value of a pool of assets which is referred to as the 'borrowing base'.

Receivables Finance

Mitigate trade risk, reduce cash conversion cycles and strengthen your balance sheet through our Receivables Finance solutions, tailored specially for your business requirements.