Export Factoring for Indian exporters.
Turn your export invoices into immediate working capital. We advance up to 90% of your international receivables the moment you ship, with buyer credit protection built in.
From your port to your account, in 72 hours.
A simple definition
Export factoring is a form of trade finance in which a financier advances a large percentage of the value of an exporter's invoices immediately after shipment, instead of the exporter waiting 60 to 90 days for overseas buyers to pay. It converts international receivables into working capital and, on a non-recourse basis, can protect the exporter against buyer non-payment.
With CapitalXB, factoring is fully digital: you upload an export invoice, we advance up to 90% within 72 hours of receipt and compliance of all required document submission, your buyer pays on the due date, and we release the balance net of a transparent fee.
Why exporters use CapitalXB factoring
Unlock most of every invoice the moment goods ship.
Non-recourse options shield you from overseas buyer default.
Factor in rupees or foreign currency with AD-Category FX support.
Limits linked to your invoices, not fixed assets.
We manage follow-up so you can focus on exporting.
Clear fees, no hidden charges, RBI Fair Practices Code.
How export factoring works
Upload your export invoice to the CapitalXB portal.
Up to 90% in your account within 72 hours of receipt and compliance of all required document submission.
Your overseas buyer settles on the due date.
You receive the remainder, net of a transparent fee.
Who export factoring is for
Export factoring FAQs
How is export factoring different from invoice discounting?+
Factoring advances against your export invoice and can include buyer credit protection and collections on a non-recourse basis. Invoice discounting simply advances cash against invoices while you keep collection and the credit risk. Factoring suits exporters who want risk cover and outsourced collections.
What percentage of my invoice can I get advanced?+
Up to 90% of the verified invoice value is advanced upfront, with the balance released, net of a transparent fee, once your buyer settles on the due date.
Do I need collateral?+
No. Limits are linked to your export invoices and receivables, not to fixed assets or property.
How quickly can I access funds?+
Onboarding takes under 10 minutes online. Once your invoice is uploaded and approved, funds are typically disbursed within 72 hours of receipt and compliance of all required document submission.