What is a Trade & Export Finance and how is it used?

A Trade & Export Finance is a specialized financial facility designed to provide capital for business expansion, working capital, or asset purchase. For example, a Kolkata-based diagnostic center recently used a ₹50 Lakh unsecured facility to purchase new medical equipment, securing the funds in just 4 days at 11.5% interest.

What are the eligibility criteria and documents required for a Trade & Export Finance?

Eligibility requires a minimum CIBIL of 650, 2+ years of business vintage, and a minimum turnover of ₹40 Lakhs. Documents include 12 months bank statements, 2 years ITR, KYC, and business registration.

What are the interest rates and tenure for a Trade & Export Finance?

Interest rates for a Trade & Export Finance range from 10.5% to 18% annually depending on your CIBIL profile and whether collateral is provided. Tenure ranges from 12 to 180 months.

How does the application process work for a Trade & Export Finance?

The process is fully assisted. Your dedicated CreditCares advisor evaluates your profile, prepares a bank-ready file, and routes it to the specific lender most likely to approve it. Disbursal typically happens in 3 to 7 days.

Are there upfront fees for a Trade & Export Finance through CreditCares?

No. CreditCares operates on a success-fee model or is remunerated directly by the partner banks. You pay absolutely zero upfront advisory fees to have your profile evaluated and processed.

Trade & Export Finance

Accelerate your global trade with customized export finance structures.

Check eligibility — free WhatsApp an expert

9.0%–14.0%Interest rate

₹50 L – ₹50 CrTicket size

Up to 15 yrsTenure

Trade & Export Finance is a specialized financial product designed to accelerate your business growth. CreditCares maps your specific business requirement to the best lending options available across 80+ banks and NBFCs, ensuring optimal rates and structure.

Our team of experts will guide you through the entire process, from initial eligibility checks and document structuring to final disbursement, minimizing rejections and delays.

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Loan amount Interest rate Tenure

—Monthly EMI

—Total interest

—Total payable

Indicative only — final rate and eligibility are decided by the lender based on your profile and security.

How CreditCares gets you sanctioned faster

Profile & lender match

We map your financials and security to the lenders — from our 80+ bank & NBFC panel — most likely to approve on the best terms.

Bank-ready file

Financials, projections, property/KYC papers structured exactly the way credit teams want to see them.

Negotiation & follow-up

We place the file with multiple lenders, negotiate rate, LTV and fees, and keep approvals moving.

Sanction & disbursal

Terms finalised, sanction issued, funds disbursed — tracked end to end by one team.

Frequently asked questions

What is the general eligibility?

Minimum 3 years of continuous business vintage, a solid GST turnover history, and healthy CIBIL scores (700+) for promoters and the entity.

How long does processing take?

Once the complete file with all required documents is submitted, our typical turnaround time for sanction ranges from 10 to 15 days, depending on the lender.

Get the right lender, not just any lender

Share a few details and a CreditCares expert will map your eligibility across 80+ banks & NBFCs — free, confidential, no obligation. Since 2012 · ₹2,000 Cr+ facilitated · 4.9★ on Google.

Get my free eligibility check Call +91 98300 38870

Disclaimer: CreditCares is a private loan consultancy / DSA — not a bank, NBFC or government body. Interest rates, LTV and eligibility parameters shown are indicative market ranges for 2026 and change with lender policy. Loan approval, pricing and terms rest solely with the sanctioning bank/NBFC. Tax notes are general summaries — consult a Chartered Accountant before claiming deductions.

Trade & Export Finance FAQs

Frequently Asked Questions

Everything you need to know about securing a Trade & Export Finance with CreditCares.

A Trade & Export Finance is a specialized financial facility designed to provide immediate capital for business expansion, working capital, or asset purchase.

Real Case Study: A Kolkata-based clinic recently used a ₹50 Lakh Trade & Export Finance through CreditCares to upgrade their equipment, securing the funds in just 4 days at 11.5% interest.

Check your Trade & Export Finance eligibility now →

To qualify for a Trade & Export Finance, lenders look for absolute stability. You need:

CIBIL Score: 650 or higher (Strict requirement for unsecured).
Vintage: Minimum 2–3 years in the current business.
Turnover: Minimum ₹40 Lakhs annual turnover.

Documents needed: 12 months bank statements, 2 years ITR with computation, GST returns, KYC, and Business Registration.

Upload your documents securely here →

Interest rates are strictly tied to your CIBIL score and financial health. We negotiate directly with 80+ lenders to secure the lowest bracket.

Facility Type	Interest Rate (p.a.)	Tenure
Unsecured Trade & Export Finance	14.5% – 18.0%	12 – 48 Months
Secured (with Property)	9.5% – 12.0%	Up to 15 Years

Get a personalized rate quote →

We do the heavy lifting so you can focus on your business.

Evaluation: A named advisory desk expert analyzes your bank statements.
File Preparation: We structure your application to highlight your strengths.
Sanction: We submit to the right lender. Approval takes 24–48 hours.
Disbursal: Funds are credited to your account within 3–7 days.

Start your application today →

Zero upfront fees. We are compensated directly by our 80+ partner banks and NBFCs upon successful disbursal, or we charge a transparent success fee only after the loan is sanctioned.

We are legally bound to act in your best interest to secure the maximum amount at the lowest possible rate.

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