Export Receivables After Shipment

Post-Shipment Finance for Exporters

Bridge the cash gap after goods are shipped and before the buyer, issuing bank or receivables debtor pays. Financely structures post-shipment export finance requests for eligible exporters with documented shipments and clear payment routes.

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Best Fit

  • Goods already shipped or delivered.
  • Invoice, bill of lading or LC documents available.
  • Acceptable buyer or bank payment route.
  • Receivable can be assigned or controlled.
Stage After shipment or invoice issuance.
Advance Basis Receivables, export invoices or LC proceeds.
Repayment Buyer payment, bank payment or collections.
Outcome Cash released before final settlement.

Turn Export Receivables Into Working Capital

Post-shipment finance helps exporters access cash after goods have been shipped, invoiced or presented under an LC, while waiting for buyer payment, issuing bank settlement or receivables collection.

The facility is usually structured around the receivable, the buyer, the shipment documents and the expected repayment date.

When This Page Fits

  • You have shipped goods and issued an invoice.
  • You are waiting 30, 60, 90 or 120 days for payment.
  • You have LC presentation documents or export bills.
  • You need cash before the buyer or bank settles.

What Post-Shipment Finance Can Support

Export Invoice Finance

Advances against eligible invoices owed by acceptable overseas buyers, subject to assignment and payment controls.

LC Proceeds Finance

Funding against expected payment under documentary credit arrangements where documents and bank route are acceptable.

Export Bill Discounting

Liquidity against export bills, shipping documents or receivables where payment timing and debtor risk can be assessed.

Evidence That Strengthens the File

Invoice Amount, currency, buyer and payment date.
Shipment Bill of lading, airway bill or delivery proof.
Buyer Corporate profile and payment history.
Terms Contract, Incoterms and settlement route.
Control Assignment or controlled collection account.

Indicative Terms

Facility Type Post-shipment export finance, export invoice finance, receivables finance, LC proceeds finance or export bill discounting.
Indicative Size USD 250,000 to USD 25,000,000+, subject to invoice value, buyer quality, payment terms, jurisdiction and capital provider appetite.
Advance Basis Eligible export invoices, receivables, shipping documents, LC proceeds, bills of exchange or approved post-shipment documents.
Tenor Usually matched to buyer payment terms or expected bank settlement timing.
Repayment Source Buyer payment, LC settlement, receivables collection, export proceeds or controlled account payment.
Controls May include receivables assignment, buyer payment direction, collection account control, document control or credit insurance where available.

What Capital Providers Review

Buyer Credit

Buyer identity, country, payment history, dispute risk, concentration and ability to pay on time.

Receivable Quality

Invoice validity, shipment proof, delivery status, acceptance terms, deductions and dilution risk.

Payment Control

Assignment, buyer notice, collection account, LC route, bank settlement path and repayment waterfall.

Documents Needed

Export Documents

  • Commercial invoice.
  • Bill of lading, airway bill or delivery proof.
  • Sales contract or purchase order.
  • Packing list, inspection or insurance documents.

Finance Documents

  • Company documents and ownership details.
  • Bank statements and financials.
  • Receivables schedule or debtor ageing.
  • Use of funds and repayment plan.

If you need capital before goods are shipped, review pre-shipment finance for exporters. If your goods have already shipped and you are waiting for payment, post-shipment finance is the more relevant structure.

Unlock Cash From Export Receivables

Submit your invoice, buyer details, shipment documents, payment terms, facility size and repayment route. Financely will assess whether your export receivable can be structured for post-shipment finance distribution.

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Frequently Asked Questions

What is post-shipment finance for exporters?

Post-shipment finance is funding provided after goods have been shipped or invoiced, usually against export invoices, receivables, LC proceeds or shipping documents.

How is post-shipment finance repaid?

Repayment usually comes from buyer payment, LC settlement, receivables collection, export proceeds or a controlled collection account.

What documents are required?

Common documents include commercial invoices, shipping documents, sales contracts, purchase orders, delivery proof, buyer details, bank statements, financials and receivables schedules.

Does Financely provide the financing directly?

Financely is not a lender. Financely supports facility structuring, lender readiness, document preparation and capital provider distribution for eligible export finance transactions.

Important: This page provides general commercial information only. Financely is not a bank, lender, broker-dealer, securities placement agent, law firm, tax adviser, escrow agent or investment adviser. All financing is subject to lender review, underwriting, documentation, compliance checks and final approval.

Financely provides commercial finance advisory, mandate structuring, bank instrument review, lender readiness support, AI-assisted capital provider matching and transaction coordination for eligible business transactions. This page does not constitute legal, tax, securities, accounting, banking, regulatory or investment advice.