Introduction to MSME Export Loans
In 2025, MSME export loans empower small and medium enterprises to expand into international markets. Loanpao guides you through financing options to support export activities, from production to shipment.
Types of MSME Export Loans
Pre-Shipment Packing Credit
Loans up to ₹50 lakh at 7–10% p.a. to finance production and packing of export goods.
Post-Shipment Export Credit
Loans up to ₹1 crore at 8–11% p.a. to bridge payment gaps after shipment of goods.
Export Bill Discounting
Loans up to ₹75 lakh at 9–12% p.a. to discount export bills, providing immediate liquidity.
Comparison of MSME Export Loan Options
Key financing options for MSME exports in 2025:
| Loan Type | Loan Amount | Interest Rate | Tenure | Key Feature |
|---|---|---|---|---|
| Pre-Shipment Packing Credit | Up to ₹50 lakh | 7–10% p.a. | Up to 1 year | Funds production and packing |
| Post-Shipment Export Credit | Up to ₹1 crore | 8–11% p.a. | Up to 1 year | Bridges payment delays |
| Export Bill Discounting | Up to ₹75 lakh | 9–12% p.a. | Up to 180 days | Immediate cash against bills |
Note: Rates and terms vary by lender, export volume, and business profile.
Benefits of MSME Export Loans
These loans offer:
- Liquidity for production, packing, and shipment of export goods.
- Competitive interest rates under government-backed schemes.
- Quick disbursal to meet tight export schedules.
- Support for global market expansion and competitiveness.
- Flexible repayment aligned with export cycles.
Tips for Securing MSME Export Loans
Improve your approval chances:
- Export Documentation: Provide valid export orders or contracts.
- Business Track Record: Demonstrate a history of export activities.
- Collateral: Offer assets to secure lower interest rates.
- Government Schemes: Explore ECGC-backed or SIDBI loans for better terms.
- Lender Comparison: Use Loanpao to compare banks and NBFCs for optimal offers.
Frequently Asked Questions
Loans designed for MSMEs to finance production, packing, and shipment for international trade.
Some loans require collateral, but government-backed schemes may offer unsecured options.
Typically 180 days to 1 year, aligned with export cycles.
Yes, schemes like ECGC and SIDBI offer support for MSME export financing.
Loanpao connects MSMEs with export loan providers, offers EMI calculators, and provides eligibility guidance.