SPEC Finance
Export shipping — containers at port
Trade FinanceExport Factoring

Convert Export InvoicesInto Immediate Working Capital.

Funding against eligible receivables from completed export transactions — liquidity without waiting for contractual payment dates.

Discuss your requirementsRecourse options
Export FactoringRecourse & Non-RecourseMulti-Currency FundingCross-Border ReceivablesPost-Shipment LiquidityRevolving FacilitiesExport FactoringRecourse & Non-RecourseMulti-Currency FundingCross-Border ReceivablesPost-Shipment LiquidityRevolving Facilities
Export Factoring
STRUCTURED AS:
With Recourse or Without Recourse,
transaction-specific or revolving.

Unlock Liquidity from Your Export Receivables

International trade often requires businesses to offer competitive payment terms to overseas buyers. While these terms can support business growth, they may also place pressure on cash flow.

SPEC Finance’s Export Factoring solutions enable exporters to access funding against eligible receivables arising from completed export transactions — designed to support efficient working capital management while preserving commercial relationships.

✓Funding against eligible export receivables✓Multiple currency capabilities✓Flexible facility structures✓Transaction-specific or revolving arrangements✓Cross-border transaction expertise✓Transparent pricing framework
KEY BENEFITS

What Export Factoring delivers

Trade and shipping finance
Immediate access to working capital
Convert outstanding export invoices into cash within days, not months.
Improved operating liquidity
Free up funds tied in receivables to run day-to-day operations smoothly.
Better cash flow predictability
Receive payments on a known schedule instead of waiting on buyer timelines.
Support for business expansion
Take on larger orders and new markets without straining your balance sheet.
Financing linked to completed sales
Funding scales with your actual shipments — no fixed debt on the books.
Flexible transaction structures
Recourse and non-recourse options tailored to each buyer and trade lane.
Dedicated relationship management
A single point of contact who understands your buyers and trade cycle.

Choose Your Structure

Export Factoring with Recourse

Flexible Working Capital for Exporters

Export Factoring with Recourse enables exporters to obtain immediate funding against eligible export receivables while retaining the agreed credit responsibility should the overseas buyer fail to make payment in accordance with the contractual terms.

This solution is particularly suitable for businesses with established customer relationships seeking efficient working capital without disrupting their existing sales arrangements.

By accelerating cash conversion, exporters can improve liquidity, finance additional orders and optimise their operating cycle while continuing to extend competitive payment terms to international customers.

Suitable For
Established exportersCommodity tradersManufacturersAgricultural exportersEngineering companiesSeafood exportersChemical exportersTextile exporters
How It Works
1Goods are shipped to the overseas buyer.
2An invoice is issued under agreed payment terms.
3The exporter assigns eligible receivables to SPEC Finance.
4SPEC Finance provides funding.
5The buyer makes payment on the due date.
6The transaction is settled in accordance with the agreed facility terms.
Product Features
Financing against approved export invoices
Funding following shipment and documentation
Flexible funding limits
Multiple transaction structures
Cross-border receivable financing
Relationship-based facilities
Frequently Asked Questions
When can funding be made available?
Funding is generally considered following shipment, completion of documentation and satisfaction of the agreed facility conditions.
Does the exporter continue managing customer relationships?
Yes. Commercial relationships with overseas buyers remain with the exporter unless otherwise agreed.
Can facilities cover multiple buyers?
Subject to approval, facilities may be structured across multiple eligible buyers and jurisdictions.
Global trade — cargo vessel
WHY SPEC FINANCE

Structured Around International Trade

We combine commercial understanding with disciplined transaction structuring — supporting long-term international growth, not just funding.

✓Cross-border financing expertise
✓Tailored transaction structures
✓Strong commercial understanding
✓Transparent documentation
✓Responsive execution
✓Relationship-driven approach
Financial district skyline

Let’s discuss your export financing requirements.

Our team structures each facility around your transaction — talk to us.

Contact Us