Export-Import Business Loans
Export-Import (Exim) Business Loans provide essential financing for businesses engaged in international trade. LoanPao connects you with over 500 RBI-compliant lenders offering competitive rates and flexible terms to support your trade operations, working capital needs, and business expansion in India 2025.
What is an Export-Import Business Loan?
An Exim Business Loan is a specialized financial product designed for businesses involved in exporting or importing goods and services. These loans address cash flow gaps, facilitate trade transactions, and support growth initiatives, such as purchasing inventory, covering shipping costs, or expanding market reach.
Benefits of Export-Import Business Loans
These loans offer unique advantages for trade businesses:
- Enhanced Cash Flow: Bridge gaps in working capital due to delayed payments in international trade.
- Competitive Rates: Access loans starting at 10% p.a. from trusted lenders.
- Flexible Tenures: Repayment periods from 1 to 7 years to suit your trade cycles.
- Trade Support: Finance letters of credit, export bills, or import duties seamlessly.
- Growth Opportunities: Expand into new markets or scale operations with adequate funding.
Eligibility Criteria
To qualify for an Exim Business Loan, businesses typically need to meet these requirements:
| Criteria | Requirement |
|---|---|
| Business Type | Registered export/import business (Proprietorship, Partnership, Pvt. Ltd.) |
| Business Vintage | Minimum 2 years in operation |
| Annual Turnover | ₹50 lakh or above |
| Credit Score | 650+ (CIBIL or equivalent) |
| ITR Filing | Last 2 years’ ITR with profit |
| Export/Import License | Valid IEC (Importer Exporter Code) |
Types of Export-Import Business Loans
Lenders offer various Exim loan products to meet diverse trade needs:
| Loan Type | Purpose | Features |
|---|---|---|
| Pre-Shipment Finance | Fund production or procurement before export | Up to 90% of export order value, tenure up to 180 days |
| Post-Shipment Finance | Bridge payment delays after export | Discounting export bills, tenure up to 180 days |
| Letter of Credit (LC) Financing | Facilitate secure trade transactions | LC issuance or discounting, low processing fees |
| Working Capital Loan | Manage daily trade operations | Up to ₹5 crore, tenure 1-5 years |
| Buyer’s Credit | Finance imports at lower rates | Tenure up to 1 year, LIBOR-based rates |
Documents Required
Prepare these documents for a smooth loan application:
- KYC Documents (PAN, Aadhaar of proprietors/directors)
- Business Proof (GST registration, IEC certificate)
- Financials (2 years’ ITR, balance sheet, P&L statement)
- Bank Statements (last 12 months)
- Export/Import Orders or Contracts
- Collateral Documents (if secured loan)
How to Apply with LoanPao
Follow these steps to secure an Exim Business Loan:
- Check Eligibility: Use LoanPao’s eligibility calculator to assess your loan potential.
- Compare Lenders: Explore 500+ RBI-compliant lenders for the best rates and terms.
- Submit Application: Fill out the online application form with required details.
- Upload Documents: Provide KYC, financials, and trade documents digitally.
- Get Approval: Receive loan offers within 48 hours and choose the best option.
- Disbursal: Funds credited to your account in 5-7 working days.
Why Choose LoanPao for Exim Loans?
LoanPao simplifies trade financing with tailored solutions:
Trade Expertise
Specialized support for export-import businesses.
Trusted Lenders
Connect with 500+ RBI-compliant banks and NBFCs.
EMI Calculator
Plan repayments with our EMI calculator.