Receivables Factoring: Faster Way to Growth

Collateral-Free Working Capital Finance with Receivables Factoring

What is Receivables Factoring?

Account receivables factoring, or simply receivables factoring, is a type of financing that allows businesses to turn their outstanding invoices into working capital that they can use for their business operations. Drip Capital makes this possible by financing upto 80% of the invoice value on the day of your export shipment, while the remaining 20% minus the factoring charges is paid once the buyer makes full payment to Drip Capital. This ensures a steady flow of working capital, essential at every stage of the business, from procurement of raw materials to production and shipment of the finished products to an importer overseas. Unlike a bank loan, Drip Capital’s receivables factoring solution is collateral-free and helps exporters get finance in less than 24 hours without having to wait for weeks or months to get paid for their shipment.

Why Receivables Factoring?

Have you extended a credit period to your foreign buyers? Do you often wait for payments? Is your bank’s restricted credit facility limiting the growth of your export business? Do you want a financial solution that is fast, paperless, reliable, transparent and collateral-free? If you have answered yes to any of the above questions, receivables factoring is right for your business. Here’s how our solution can help you grow your business.



Extend flexible payment terms to your foreign buyers


Credit protection against buyer defaults


Get a line of export credit over and above your bank’s credit facility


Reduce your dependence on bank loans


Maintain positive cash-flow


Pay your suppliers on time

Why Choose Drip Capital

We are a fintech company focused on solving the working capital problem for emerging market SME exporters by leveraging data and technology. We are re-building core parts of international trade finance infrastructure to level the playing field for small businesses

Collateral free working capital

Collateral free working capital

Fund your exports growth using your foreign trade receivables.

Credit limit up to $2.5 Million

Credit limit up to $2.5 Million

Get post-shipment export credit line up to $2.5 million.

Competitive pricing

Competitive pricing

Cost of export financing can be as low as 0.7% per month basis credit evaluation.

Paperless, swift, transparent

Paperless, swift, transparent

Use Portal by Drip Capital for faster fulfilment and end-to-end service

Receive cash advance against your trade receivables

Apply Now

Quick facts on Drip Capital

Trusted by more than 1500 Exporters and Importers Globally

$500 M

of Trade Financed







Our Partners


Growth Stories

Learn about how we’ve 10xed exporters

Tatva Enterprise LLP

Exporter of Plastic products from Maharashtra

We started factoring our export invoices with Drip in FY17-18 and by 18-19 we were getting almost 25% of our invoices financed by them. With the boost in working capital and increased competitiveness in foreign markets because of better terms of sale, our turnover has shown a substantial increase.

Hiral Parikshit Pawar
Promoter, Tatva Enterprise LLP
7x Increase in Turnover
USD millions
Al Sami Agro Products

Exporter of frozen foods from Andhra Pradesh

As an exporter you may have a great offering, but without easy access to short-term finance, you face challenges in scaling and have to let go of many opportunities. Drip Capital’s easy and efficient export finance solution has helped us ensure there is continuous cash flow in our business. Now we can convert possibilities which we otherwise would have passed on. The result has been a 220% jump in sales in FY19.

Abdul Salam
Promoter, Al Sami Agro Products
3x increase in Turnover
USD millions
Satya Impex

Exporter of Red chillies from Andhra Pradesh

When we started our business in 2017, traditional lending institutes could not keep up with the increasing orders from our buyers. With Drip capital fulfilling our working capital requirement, in FY 19 our business reported massive growth as compared to the previous year, over 75% of those export invoices were financed by Drip.

Thota Rama Krishna
Promoter, Satya Impex
75% wallet share
USD millions
Pari Agro Exports

Exporter of Basmati Rice from Punjab

Drip’s factoring service has ensured that our liquidity doesn’t remain tied up in invoices for a long time. Since the start of our collaboration, we have been able to cater to more buyers and our export turnover has increased 4x between FY17-18 and FY18-19.

Varun Sachdeva
Promoter, Pari Agro Exports
4x increase in Turnover
USD millions

In the news

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Experience the power of export financing with Drip capital


You’ve got questions…. We’ve got answers

I require pre-shipment export finance to help with purchase of goods, can you help arrange for the same?
How long do you take to process an application for receivables factoring?
Do we have to pay extra for the credit insurance?
Do I have to factor all my export invoices from Drip Capital?
Looking for more questions?View All

Receivables Factoring Resources

Export Finance - Why is it required and Types
Export Finance - Why is it required and Types

August 28,2019

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Invoice Factoring: Easy Access to Working Capital for your Business
Invoice Factoring: Easy Access to Working Capital for your Business

October 31,2018

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Government Loan Schemes to Finance your MSME Business
Government Loan Schemes to Finance your MSME Business

January 22,2019

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