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Finance for Textile & Apparel Businesses
From spinning and weaving to garments and exports — working capital, TUFS-linked capex and export finance for the textile value chain.
How We Serve the Textiles Sector
The textile value chain runs on seasonality and scale: cotton bought in season, capacity utilisation determining survival, and export orders demanding pre-shipment liquidity months before payment arrives.
LOANYARD CAPITAL arranges seasonal working capital peaks, export packing credit at concessional rates, machinery loans for looms and processing units, and structured capex under PLI and state textile-policy incentives.
Funding Challenges We Solve
Funding Solutions for Textiles
Case Study
Garment exporter, Tiruppur
₹11 Crore export finance package
The Challenge
A knitwear exporter landed a large European order requiring fabric purchases four months before shipment. Existing packing-credit limits covered barely a third of the requirement.
Our Solution
We enhanced packing credit against the confirmed export LC, added post-shipment bill discounting, and set up a small FC-denominated line to hedge currency naturally against euro receivables.
Business Impact
- Packing credit tripled within 5 weeks
- Effective borrowing cost under 8% using export-credit schemes
- Order shipped on time; buyer doubled next season's volume