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Export Factoring

Financing of your export contracts with deferred payment

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Export Factoring

Financing immediately after delivery of goods

Receive payment for goods without waiting from a foreign buyer

Protection against buyer non-payment

The bank purchases your accounts receivable and handles debt collection

Transparency of international settlements

Working through FCI ensures reliable transaction support and confidence in the buyer’s fulfillment of obligations



Limit size
determined by the foreign partner bank
Payment deferral
up to 120 days
Currency
USD, EUR
Without recourse to the exporter
exporter derecognizes receivables from the balance sheet
Non-payment risk coverage
100% of receivables’ nominal value

Non-recourse export factoring via FCI allows you to sell goods abroad with payment deferral of up to 120 days, while receiving funds immediately after delivery and eliminating the risk of non-payment.

The bank pays you up to 100% of the shipment amount and assumes the risk if the foreign buyer fails to pay.

How it works:

1. You submit shipping documents to Ipoteka Bank for goods delivered to a foreign buyer
2. You sign an assignment register on the electronic platform
3. Ipoteka Bank sends documents to the partner bank in the buyer’s country for confirmation
4. After confirmation, Ipoteka Bank transfers up to 100% of the shipment amount to you
5. After the deferred period, the buyer pays the partner bank, which transfers funds to Ipoteka Bank

How to get started:

1. Submit a request and provide buyer details
2. The bank finds a partner bank via FCI and sets a limit for your buyer
3. Provide the export contract and corporate documents package
4. Sign the export factoring agreement
5. Receive full payment immediately after each shipment

Fill out the application — and we will find the best solution for you.

We guarantee the security and confidentiality of your data.

Factoring

Factoring is a widely accepted financing instrument and does not negatively affect business relationships. Our consultants will conduct transparent communication with your partners and address any concerns.
Factoring is recorded as an assignment of receivables. Transactions are accounted for in accordance with applicable accounting standards and regulatory requirements.
The standard package includes incorporation documents, financial statements, and buyer contracts. In certain cases, the Bank may request additional documentation.
Yes, factoring services are available to corporate clients as well as SMEs, provided that the limit is established for the corporate client. Financing is accessible to all segments subject to the Bank’s requirements.
Factoring is not a loan. It is financing against the assignment of receivables: the Bank pays the supplier immediately after shipment, while the buyer remits payment to the Bank within the agreed term. No collateral or designated use of funds is required.

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