Export Financing

Finance for exporters to prepare buyers’ orders (pre-shipment) and to meet working capital requirements after cargo is shipped till buyer pays. Option available to cover buyer’s default risk with non-recourse variant.

Our Products

Through our pre-shipment export financing product, Banque Espana will advance funds to you (or directly to your vendor) to purchase finished goods or raw materials, and fulfill verified orders from overseas importers.

*Pre-shipment Export Finance is available only with our In-transit export finance or via our Importer Credit facility. It is subject to regulatory permissibility in country of exporter


  • Financing upto 80% of your purchases
  • Improves cash flow forecasting
  • Boosts your liquidity to source and pay for goods
  • Potential to increase your export sales growth
  • Third country sourcing against your overseas purchase orders can be eligible
  • No cash deposits or LCs required from your importer
  • Option to extend further credit to your importer after goods are delivered; subject to creditworthiness

In-transit Export Finance funds the export of your goods on the water. We provide you early funding during the ocean transit period where in-transit inventory is often treated by lenders as ineligible collateral.


  • Additional working capital
  • Boosts your competitiveness by allowing your importer to pay on/after arrival, rather than at shipment
  • Gives you a better scope for negotiation with the importer
  • Accelerates funding against receipt of cargo by Banque Espana at Custom depots
  • Improves cash flow forecasting

Export Finance is a working capital solution that provides you with funding up to 80% of invoice value as well as with the protection against the overseas importer’s financial inability to pay (e.g. insolvency and protracted non-payment for undisputed invoices)


  • Protects against your importer’s financial inability to pay
  • Saves your time and resources to collect invoices
  • Improves your financial metrics, such as days sales outstanding
  • Accelerates your cash flow
  • Additional source of working capital
  • Streamlines your physical and financial supply chains
  • Off balance-sheet finance as it may fulfill ‘true sale’* criterion

** Clients are requested to be advised by their auditors