Export Factoring | Non Recourse, Disclosed or Silent, FX And Collections

Export Factoring | Non Recourse, Disclosed or Silent, FX And Collections

Export Factoring

We arrange export factoring that converts foreign receivables into predictable cash. The product is an outright purchase of invoices with clear assignment mechanics, disciplined eligibility, and a collections framework that lenders accept. Options include non recourse for insolvency and protracted default, disclosed or silent, and maturity or advance structures with FX handling.

Snapshot: Advance rate 80 to 90 percent. Reserve 10 to 20 percent released at collection net of fees. Tenor up to 120 days standard. Concentration limits by buyer and country. Non recourse available when supported by credit insurance or strong buyer ratings. Funding in USD, EUR, GBP and major trade pairs with FX settlement options. Works alongside our Procedure and How It Works pages.

What Financely Delivers

  • Underwriting of buyers, countries, and terms to set advance rates, reserves, and limits.
  • Purchase and sale agreement wording with objective eligibility tests and clear assignment.
  • Collections architecture with notified accounts, lockbox or trust accounts, and cash application rules.
  • Integration with credit insurance or confirmations to support non recourse treatment.
  • FX workflow for billing and settlement in multiple currencies, with netting and rate evidence.
  • Funder alignment so invoices convert to cash at pricing that reflects expected loss and costs.

Structures And Reference Terms

1. Disclosed Non Recourse

  • Use exporters with rated buyers or insurance support.
  • Advance 85 to 90 percent of invoice face.
  • Reserve 10 to 15 percent released at collection.
  • Notice buyer is notified and pays into controlled account.
  • Risk insolvency and protracted default borne by factor per policy and wording.

2. Silent With Recourse

  • Use strategic accounts where notification is sensitive.
  • Advance 80 to 88 percent with tighter concentrations.
  • Reserve 12 to 20 percent with dispute cut offs.
  • Risk seller retains credit risk; factor funds against eligibility and controls.

3. Maturity Factoring

  • Use exporters with strong liquidity who want certainty of payment date.
  • Payout 100 percent at due date less discount and fees.
  • Risk non recourse possible with insurance or approved buyers.

4. Insurance Backed

  • Use broad buyer base across multiple countries.
  • Mechanics policy assigned to funder with loss payee status.
  • Benefit non recourse eligibility and improved advance rates.

Pricing And Economics

Component Reference Range Notes
Discount Rate SOFR or EURIBOR plus 350 to 850 bps Driven by buyer risk, tenor, and country
Service Fee 25 to 120 bps of purchased volume Covers monitoring and collections
Dilution Reserve 2 to 8 percent Based on credit note and dispute history
Minimums Monthly or annual throughput tests Waived for seasonal programs by arrangement

Final pricing depends on buyer mix, country split, tenor, insurance structure, FX, and collections performance.

Eligibility And Data Room

Item Details
Buyer List Top 50 buyers with terms, country, and annual volume
AR Aging Twenty four months, write offs, recoveries, and disputes
Contracts And POs Master terms, Incoterms, and proof of delivery mechanics
Collections Setup Bank accounts for notification, lockbox, reconciliation rules
KYC And Insurance Corporate pack, UBO, sanctions, and any existing policies

Process Timeline

Days 1 to 3

Data room intake. F-TFRS scoring of buyers and countries. Preliminary advance and reserve grid.

Days 4 to 7

Term sheet and eligibility criteria. Collections and notification plan. Insurance or confirmation checks if non recourse.

Days 8 to 12

Legal documentation. Account setup. Buyer notices where disclosed. FX workflow agreed.

Days 13 to 15

First purchase and settlement. Reporting calendar and limit review cadence set.

Fees

  • Underwriting retainer USD 59,500 at mandate, credited against closing fees.
  • Success fee payable at signing of the facility, sized to program scope.
  • Ongoing fees discount rate and service fee per the pricing schedule.

Frequently Asked Questions

Is export factoring available without notifying my buyers?

Yes. Silent structures are possible with tighter controls and lower advances. Disclosed factoring supports higher advances and simpler collections.

Can the program be non recourse?

Yes when supported by credit insurance, confirmations, or buyer quality. Non recourse applies to insolvency and protracted default as defined in the documents.

Do you fund VAT and taxes?

Usually no. Funding is on net invoice value excluding VAT and duties unless a jurisdiction allows clean segregation and recovery evidence.

How are FX risks managed?

We set billing and settlement currencies up front. Hedges or natural offsets are documented. Rate evidence is attached to settlements to lock audit trails.

What happens with disputes?

Dispute cut offs and cure periods are set in the eligibility criteria. Dilution reserves and holdbacks protect the funder until resolution.

Request Export Factoring Terms

Share your buyer list, AR aging, contracts, and target advance rate. We will return a funder map, pricing schedule, and a collections plan you can execute.

Request Terms

Financely acts as an advisor and arranges facilities through regulated partners. We do not custody client funds. All engagements are subject to underwriting, KYC, AML, sanctions screening, and final approvals by funding counterparties and insurers. This page targets professional clients and eligible counterparties only.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
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Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

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Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.