Supply Chain Finance Products for Every Stage of Your Trade Cycle
Whether you're funding a purchase, waiting on a receivable, or trading across borders, CredVantage has a product built for it.
Purchase Bill Discounting (PID)
To fund your purchase bill without any property collateral.
PurposeFunding against purchase bills for working capital optimization.
Tenure30–120 days per purchase bill (flexible tenor based on invoice maturity & industry cycle).
Advance RateUp to 100% of invoice value funded, subject to creditworthiness and lender approval.
RepaymentBullet repayment on invoice maturity date.
SecurityFLDG (First Loss Default Guarantee) of 10%–20%, subject to creditworthiness and lender approval.
BTST (Buy Today, Sell Tomorrow) Facility
Ultra-short-term bridge financing for your raw material purchase-to-sale cycle.
PurposeShort-term bridge financing for raw material purchase and immediate production/sale cycles (e.g. textile operations).
TenureT+1 to T+5 days — an ultra-short-term revolving facility.
SecurityPledge of underlying raw material inventory/stock; FLDG of 10%.
Settlement / RepaymentAuto-debit via escrow or direct bank transfer upon sale realization.
Sales Invoice Discounting (SID)
Turn approved sales invoices into immediate working capital.
PurposeAdvance against approved but not-yet-due sales invoices raised on your approved buyers/anchors.
Tenure60–120 days, aligned with buyer payment cycles.
Advance RateUp to 90% of invoice value, subject to creditworthiness and lender approval.
RepaymentBullet repayment on invoice maturity date via escrow account.
Advance Against Receivables
A revolving line of credit against your confirmed receivables book.
PurposeAdvance against confirmed but not-yet-due receivables from your approved buyers/anchors — structured as an ongoing facility against your receivables book rather than a single invoice.
Tenure60–120 days, aligned with buyer payment cycles.
Advance RateUp to 80% of confirmed receivables value.
RepaymentUpon realization of receivables from buyers.
EligibilityConfirmed receivables from buyers with a minimum 12-month trading history with your business.
Import Finance
Working capital funding against your import bills.
PurposeFunding against import bills for working capital optimization.
Tenure30–120 days (flexible tenor based on invoice maturity & industry cycle).
Advance RateUp to 85% of import value funded, subject to creditworthiness and lender approval.
Payment Terms SupportedCIF, CAD, DDP, FOB, DAP.
Supplier CountryNon-FATF countries.
RepaymentBullet repayment on invoice maturity date.
Export Finance
Advance funding against your export invoices.
PurposeAdvance against export invoices for working capital optimization.
Tenure30–120 days (flexible tenor based on invoice maturity & industry cycle).
Advance RateUp to 90% of export value funded, subject to creditworthiness and lender approval.
Payment Terms SupportedFOB.
Supplier CountryNon-FATF countries.
RepaymentBullet repayment on invoice maturity date through escrow account.
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