Indian exporters face a critical working capital gap between production and payment realisation. International buyers demand credit terms of 30 to 90 days while manufacturers need funds upfront. Without structured export finance, SMEs cannot fulfil large export orders.
Lack of export finance causes Indian SMEs to decline large orders, lose global buyers, and remain stuck in domestic markets despite having export-quality products.
BlueberryFM structures end-to-end export finance solutions including pre-shipment credit, post-shipment credit, Letter of Credit discounting, ECGC insurance, and export factoring through our network of RBI-regulated banking partners.
Pre-shipment credit (packing credit) is a short-term working capital loan provided by banks to exporters to finance the purchase of raw materials, manufacturing, and packing of goods before shipment against a confirmed export order or LC.
ECGC provides insurance cover to Indian exporters against the risk of non-payment by foreign buyers due to commercial or political reasons. It is strongly recommended for all export transactions.
Export packing credit is offered at concessional rates by RBI mandate. Current rates are typically 7–10% per annum depending on the bank and credit profile.
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Related MSME finance hub: Kerala MSME Loans & Business Finance Hub
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