Do you want to avail
2.75% Interest Subvention on
Export Factoring
via GIFT City?

Export factoring converts your unpaid export invoices into immediate working capital without adding debt to your balance sheet. Unlike a bank loan, factoring is based on the quality of your buyer and invoice rather than your balance sheet or collateral. Credlix advances up to 95% of the invoice value and collects payment from your buyer when due, making it an asset-based and balance-sheet-light financing solution.

Under DGFT Trade Notice 25/2025–26 (Export Promotion Mission – Niryat Protsahan), eligible MSME exporters can claim a 2.75% interest subvention on the factoring cost paid on export receivable transactions. This reduces the effective cost of funds and is capped at ₹50 lakh per MSME per financial year. Credlix helps eligible exporters structure factoring facilities through RBI-regulated channels and navigate the claim process.

Eligible exporters generally require a valid Importer Exporter Code (IEC) and Udyam MSME Registration. Exported products must fall within the DGFT's positive list of eligible HS tariff lines. The factoring facility must be with an RBI- or IFSCA-regulated entity. Deemed exports and SEZ supplies do not qualify. Eligibility is confirmed during the Credlix consultation process.

Yes. Credlix complements your existing banking relationships rather than replacing them. Many exporters use bank packing credit limits for pre-shipment funding and Credlix export factoring for post-shipment receivables, helping maximise overall working capital and manage buyer risk.

For new clients, onboarding generally takes 3 to 5 business days, subject to documentation requirements. Once the facility is established, invoice submissions are processed digitally and funds are typically disbursed within 48 hours after invoice verification.