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Trade Finance for Importers & Exporters
LC limits, buyer's credit, packing credit and bill discounting for international trading businesses.
How We Serve the Import Export Sector
International trade runs on instruments, not just money: LCs that suppliers accept, buyer's credit that beats rupee borrowing costs, packing credit at concessional export rates, and discounting that converts shipped goods to cash the same week.
LOANYARD CAPITAL structures complete trade-finance stacks — import LC and buyer's credit lines, pre- and post-shipment export finance, and forex risk management — across banks that price trade aggressively.
Funding Challenges We Solve
Funding Solutions for Import Export
Case Study
Polymer importer-distributor, Mumbai
₹15 Crore trade finance restructuring
The Challenge
A polymer importer funded sight payments to Middle-East suppliers through a 12.5% CC limit while extending 45-day credit to buyers — bleeding margin on every container.
Our Solution
We replaced CC utilisation with a ₹10 Cr buyer's credit/import LC structure at SOFR-linked pricing (~8.3% effective) and added ₹5 Cr sales bill discounting so buyer credit no longer consumed core limits.
Business Impact
- Financing cost down 4.2% on the import leg
- Annual interest saving of ₹1.1 Cr at current volumes
- Supplier terms improved with confirmed LC backing