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Marketing Café

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Trade finance

Trade finance

Trade finance help to make import export transactions possible for entities, varying from a small business importing goods from overseas, to multinational corporations exporting or importing large amount of consignments around the globe each year.

Trade finance constitutes of instruments and products, which companies use for international trade and commerce to reduce the risks related in International trade transactions. Trade finance brings down the payment risks of importers and exporters by introducing a third-party to business transactions. The exporters get receivables or payments, as per the agreement; on the other hand importers receive credits to fulfill the trade order. 

Usually, exporters consider getting paid upfront by the importer to reduce risks of not getting paid even after the importer takes the shipment. On the other hand, importers paying in advance also have risks of exporter refusing to ship goods after receiving the payment. To resolve this problem, trade finance introduces the Letter of Credit – which the importer’s bank provides to the exporter’s bank. Letter of Credit guarantees that once the issuing bank receives proof that once the exported good is being shipped and the terms of the agreement have been met, it will issue the payment to the exporter.

Benefits of trade finance

One of the major benefits of Trade finance is that it reduces the risks related to international trade finance by introducing a third-party to business transactions. Other key benefits of trade finance include:

Improved cash flow and operational efficiency: Through trade finance companies are enabled to get cash payment based on accounts receivables in case of factoring. The letter of credit in the trade finance reduces the risk of non-payment or non-receipt of goods; thereby increasing cash flow. Furthermore, with fewer delays in payments and shipments, through trade finance exporters and importers can manage their business and plan cash flows more efficiently.

Increase in revenue: The creative financial solutions trade finance provides to the exporters and importers enable the companies to increase and expand their businesses and revenue through international trade.

Reduction in financial hardship risks: Factors in trade finance like revolving credit facilities and accounts receivables factoring help companies in both international transactions and times of difficulties.

Trade finance is majorly important for exporters and importers since it ensures protection against the unique inherent international trade risks – like currency fluctuation, political instability, non-payment issues, credit-worthiness of any party involved in the trade and others.

Trade finance has evolved over the years to deal with financial risks in trade transactions like exporters’ risk of not getting paid even after the importer receives the shipped goods or the exporter refusing shipment of goods even after importer extends the payment of goods in advance. It works as a bridge between the financial gap between exporters and importers; thereby reducing the risk of non-payment or non-shipment of goods. Trade finance also includes various other activities in international trade transactions like issuing letters of credit, lending, forfaiting, export credit and financing, and factoring.

Trade financing is also important for companies as it helps them increase and expand their businesses and revenue through international trade and further benefit in both international transactions and times of difficulties.

Invoice Finance

Invoice Finance

When a short-term loan is extended by a financial institution to a borrower, based on unpaid invoices, the process refers to invoice financing. In this type of financing, a company meets its short-term liquidity needs based on the generated invoices, which the customer hasn’t paid for. The selective invoice financing is a unique way of invoice financing which does not involve any agreement for the whole sales ledger. Selective invoice financing is an asset-based finance facility, which enables beneficiaries to choose the invoice he would like to have advanced; thereby making it flexible to adjust cash flow, by either selling a single invoice or selecting a few at a time, based on the business needs.

Selective invoice financing is more beneficial than other forms of invoice finance – like invoice factoring or invoice discounting – as it is more transitionally simpler since users usually get 100 per cent of the invoice advanced before paying a fee. Also, by individual financing of invoices users can avail more advances.

Lenders or financial institutions extending the loan often prefer established business with creditworthy customers for selective invoice finance, since the risk of the lender in such financing depends on the customers and not on the beneficiary’s business. In other words, businesses which have healthy turnover, years of trading history and invoices large multinational companies are more likely to avail selective invoice financing; and start-ups dealing with other Small and Medium scale Enterprises (SMEs) have to opt for other methods of invoice financing – like invoice factoring.

Invoicefinance benefits lenders as unlike extending a line of credit that can be unsecured and can even leave little recourse if your business does not repay what is being borrowed, invoices can be used as collateral for invoice financing. Additionally, lender also limits its associated risk by eventually not advancing the overall amount of the invoice and to the borrowing business.

Advantages of invoice finance

• This type of invoice financing is more flexible than other forms of business loans or overdrafts and enables beneficiaries to select which invoice to fund.
• Lenders can make faster decisions to lend against invoices. Beneficiaries can avail up to 90 per cent of the invoice value, within 24 hours.
• The funding from the lenders grows depending on the total turnover of the company.
• Companies can avail a greater level of borrowing against assets.
• Selective invoice financing can also help in the reduction of the risks of late payments or defaulted invoices.
• Selective invoice financing includes no long term contractual commitments and companies can use such services as and when they require.
• With a single fee charged on the value of the invoice, the charges included in selective invoice finance are usually simple and transparent.

Import invoice finance typically helps businesses to overcome certain challenges which may encounter while trading overseas. When a company or business has to pay out for commodities, some amount has to be delivered to them in advance, and in addition the time-delays can cause immense strain on company’s working capital. This specialist form of trade finance results in effectively speeding up the payment cycle and this is possible by allowing the importer or buyer to raise capital before receiving of goods actually takes place.

Export finance

Export finance

The financial support extended by institutions – like banks – to businesses for transactions during overseas shipment of goods refers to the export finance. Export finance is the credit facility or technique of payment at the pre-shipment and post-shipment stages and helps making financial process of purchasing, processing manufacturing or packing of goods more comprehensible.

This type of trade finance is provided by banks which are members of the Foreign Exchange Dealers Association (FEDA) and the refinance facilities to the commercial banks in India are issued by the Reserve Bank of India (RBI) and the Industrial Development Bank of India (IDBI).

Export finance can be categorized into:

·        

 Pre-shipment finance – Pre-shipment finance is the finance required by an exporter before the shipment of goods. Pre-shipment finance provides the exporter with working capital required for funding of wages, production cost, buying raw materials, processing and converting into finished goods and packaging. Pre-shipment finance is extended under the concessional rates of interest at 7.5 per cent, to a maximum period of six months.

·          

Post-shipment finance: Post-shipment finance refers to the finance extended after the shipment of goods. In this type of export finance, the financer advances the payment, post shipment, to gain liquidity between shipping the goods and receiving payment. It mostly bridges the gap between the date of extending the credits after the shipment of goods to the date of realization of the export proceeds. Post-shipment finance is extended under the concessional rates of interest at 8.65 per cent, to a maximum period of six months.

·          

Supply chain – The technology-based financing procedure which links various parties in a transaction – such as buyer, seller, financer – for lower cost and better efficiency, is known as Supply chain finance or supplier finance or reverse factoring. It optimizes working capital for both the buyer and the seller by providing short-term credits.

Why Export Finance

In order to decide how to source export finance, first you have to identify why exactly you need these export finance funds. There are a number of reasons why as a trader you may need investments:

 To set up a new Export Business

Financial support is required for building a new export business. Whether you are planning  to acquire an existing businesses such as manufacturing units, or to modernize your business units, or  you are planning to expand and improve your existing plants and equipment so that you can effectively target the international market, funds and financing requirements will always have to be taken into consideration.

For Business Expansion

For the actual growth and expansion of your export business you will require access to some additional funds, for which you might need to arrange for large-scale finance.

For Working Capital

Daily business operations along with business development usually constitute of biggest requirements for finance, also termed as working capital. In order to grow and accept new business, there exists need to funds for accommodating the importer’s/buyer’s credit period, which can be accessible using some loan products such as pre shipment finance. In addition, working capital is also required for arranging inventory at times. Having access to enough cash or funds can enable you to compete in the international trade market.

Pre export finance

Pre export finance

Pre-export finance is the finance required by an exporter before the shipment of goods. Pre-export finance provides the exporter with working capital required for funding of wages, production cost, buying raw materials, processing and converting into finished goods and packaging. Pre-export credit is extended under the concessional rates of interest at 7.5 per cent, to a maximum period of six months.

This type of export trade finance is provided to the exporter when a certain amount of money is needed for the manufacturing or production of raw materials for exporting. This finance is needed for processing raw material into finished goods. Once the processing is done, they have to be stored at relevant places and for that some cost has to be paid. Apart from this cost for packing and shipment of goods to the port has to be paid for which certain amount of finance is needed. Exporter can apply for this finance once order is confirmed by the buyer and the proof of confirmed order has to be shown in the finance institution for further processing. It is granted for 180 days.  If some kind of uncertainty occurs then this can be extended to 90 days. Maximum allowable period is 270 days. 

After the confirmation of an order by the buyer, mostly through a Letter of Credit, exporters often need working capital finance to fund wages, production cost, buying raw materials, processing and converting into finished goods and packaging. The finance required by an exporter, prior to the shipment of goods, is defined as pre-shipment finance.The banks grant pre-shipment credits under the concessional rates of interest at 7.5 per cent and it can extend to a maximum period of six months.Pre-shipment finance is accessible by the exporters through receivable-backed financing, inventory/warehouse financing and pre-payment financing.

Pre-export financing is the buyer taking out a loan specifically to pay the seller in advance of the shipment of the goods. According to the borrowing contract, the buyer is liable to pay the loan back to the bank soon after receiving payment of the goods. While pre-export financing ensures quick payment, the risk of losses in such finance is only shared by the buyer and the lender.

Benefits of Pre-export finance

• Purchasing of raw materials to manufacture goods
• Storage of goods in proper warehouse till shipment
• Payment for packing, marketing and labelling of goods
• Payment for pre-shipment inspection charges
• Purchase of heavy machinery and other capital goods from domestic market, for the production of export goods
• Meeting expenses of processing goods

A pre-export finance is quite different from other finance products and services; such as corporate loans provided against the balance sheet of the borrower.In a pre-export finance funds are usually provided directly from the finance provider to the producers; for effectively assisting with the working capital requirements of the business organizations. Using this pre-export finance supplier can purchase raw materials along with bearing processing costs, storage costs as well as transportation. Typically, a pre-export finance comes with a repayment tenor of 1 to 5 years.