01
We pre-qualify you
A short, no-obligation chat about what you export, who you sell to, and your payment terms.
Export invoice factoring · referral partner
Stop waiting 90 days to get paid on your export invoices.
SmartTel connects exporters in India, Hong Kong, Dubai and Singapore to an established export factor who advances 80–90% of your invoice in USD, within days of shipment — no collateral, no letter of credit, no new bank loan. We make the introduction; the factor does the financing.
🇮🇳 India
🇭🇰 Hong Kong
🇦🇪 Dubai / UAE
🇸🇬 Singapore
Free to enquire · You pay SmartTel nothing — we're an introduction partner, not a lender.
🇮🇳 New — domestic invoice discounting, PO financing & working capital for businesses in India →
80–90%
of your invoice advanced by the factor, in USD
60–120 days
of waiting turned into cash now
No collateral
your export invoice is the asset
4 markets
India, Hong Kong, Dubai & Singapore exporters
How it works
Three steps from shipment to cash.
We sit only in the introduction — never in your money or your documents.
02
We introduce you to the factor
Through our Singapore partner, matched to your sector and buyer geographies. A warm introduction, not a cold form.
03
The factor finances you directly
The factor signs you, collects your documents, advances 80–90% of each invoice, and collects from your buyer.
Who it's for
Built for established exporters selling on credit.
A quick honest read on whether export factoring is the right fit — wherever you ship from.
Good fit
This is likely for you
- Textile/garment, engineering-goods or similar exporter in India, Hong Kong, UAE or Singapore
- Roughly USD 600K+ annual export turnover (₹5 crore+)
- Selling to repeat US, EU, Middle-East or ASEAN buyers
- Open-account terms, 60–120 day payment cycles
- 3+ repeat foreign buyers (not single-buyer dependent)
- Export registrations in order (India: IEC, GST & Udyam — or the local equivalent in HK / UAE / Singapore)
Probably not yet
Likely not a fit
- Sells only on Letter of Credit
- First-time exporter
- Single-buyer dependent
- Seeking rescue financing during distress
We'll tell you honestly if it's not a fit.
Looks like a fit?
Get a free check on whether your buyer and invoices are factorable — a five-minute conversation, no documents, no cost.
What it costs
Transparent on price — because brokers usually aren't.
SmartTel's introduction is free. The financing terms below are set by the export factor and confirmed after onboarding — these are indicative ranges so you know what to expect.
SmartTel introduction: free
Advance rate
80–90% of invoice value
Financing cost
Quoted by the factor
What you pay SmartTel
Nothing
Illustrative: on a $50,000 export invoice, the factor advances around 85% (~$42,500) into your account within days — the balance, less the factor's fee, once your buyer pays.
Indicative only. Exact rates are quoted by the factor and depend on the factors below. SmartTel never charges you a fee.
What drives your rate
Factoring isn't one price — the factor prices each facility on risk. The cleaner your profile, the lower the rate.
- Buyer creditworthiness — a strong, repeat overseas buyer earns a better rate than an unknown one.
- Invoice age & term — shorter payment cycles and fresh invoices cost less to finance.
- Buyer geography — established trade lanes (US, EU, GCC, ASEAN) price keener than higher-risk markets.
- Your volume — more invoices and higher turnover unlock lower per-invoice fees.
New · India domestic financing
Selling within India too? We cover that now.
Beyond export factoring, SmartTel introduces Indian businesses — from SMEs to large corporates — to our India financing partner, an RBI-registered NBFC, for working capital across the domestic trade cycle: invoices, purchase orders, supplier programmes and dealer channels. Same model: our introduction is free, and the financing partner does all lending and compliance.
For SMEs & growing businesses
Domestic invoice discounting
Invoices raised on Indian corporates, stuck for 30–90 days? Unlock most of their value within days — the same factoring logic, applied to your domestic receivables.
Purchase-order financing
Won a big order but need cash to fulfil it? Funding against a confirmed purchase order pays for material and production — before you can even raise an invoice.
Working capital loans
Unsecured working-capital demand loans for GST-registered businesses that need headroom beyond invoice-linked limits.
Loan Against Property (LAP)
Own residential, commercial or industrial property? Unlock working capital against it through our regulated lending partners, with longer tenors and larger ticket sizes than unsecured loans — ideal when your business needs a bigger working-capital line.
For corporate anchors
Vendor & supplier financing
Run a large supply chain? An early-payment programme pays your approved supplier invoices upfront — suppliers get cash, you keep or extend your payment terms, and your supply chain gets stronger without touching your own credit lines.
Dealer & distributor financing
Give your dealers and distributors credit to stock more and sell more — channel financing against confirmed offtake from your brand. Widely used in FMCG, auto, electronics and consumer goods.
Financing terms are set by the India financing partner and confirmed during their onboarding — indicative ranges TBC. India introductions are made through SmartTel's Indian arm — entity details TBC. As always, you pay SmartTel nothing.
Why SmartTel
An introduction you can actually trust.
We're upfront about what we are — and what we're not. The financing is always done by the regulated factor.
You pay us nothing — ever
The factor pays SmartTel a referral fee only if you go ahead and get funded. You never pay us. Our incentive is a good match, not a hard sell.
We never touch your money
No funds held, no KYC, not in your document flow; the regulated factor does all financing and compliance.
Warm, sector-matched intros
Sourced through CA and trade-body relationships, matched to a factor that wants your sector and markets.
Service, not slogans
Smaller-ticket access, real Middle-East and ASEAN buyer coverage, and a human who picks up the phone.
Referred by your chartered accountant or trade association? Good — they already know us. Most of our introductions come through CAs who vet us first.
FAQ
Questions businesses ask us first.
Are you the one financing my invoices?
No. SmartTel is a lead-generation and introduction partner; independent, regulated financing partners do the actual financing — an established export factor for export invoices, and our India financing partner, an RBI-registered NBFC, for domestic facilities. We are not a lender or financial institution.
Does SmartTel charge me anything?
No — you pay SmartTel nothing, ever. The factor pays us a referral fee only if you go ahead and get funded. That means our incentive is to find you a good match, not to sell you anything. The factor's own fees are agreed directly between you and them.
Is this a loan? Will it show as debt on my balance sheet?
No. Factoring is the sale of a receivable you've already earned — not a loan. It needs no collateral, typically sits off your balance sheet, and because you aren't adding debt, it can actually help your credit profile. Your working capital grows with your sales instead of against a fixed limit.
Will my overseas buyer know I'm factoring?
Usually yes — the factor sends a Notice of Assignment, a standard trade-finance instrument buyers worldwide recognise, so payment is redirected to the factor. Good factors handle this professionally and it rarely raises an eyebrow; non-notification options exist for some profiles. We match you to a factor experienced in your buyer's market, so the relationship stays yours.
What does factoring cost?
The factor advances 80–90% of the invoice and charges a fee that depends on your buyer's creditworthiness, the invoice term, the buyer's country and your volume. See the Pricing section for indicative ranges. SmartTel's introduction is free — you only ever deal on cost with the factor.
Do I need to give you documents or bank details?
No. You share a few basics so we can check fit. KYC, financials and trade docs go directly to the factor — never to us.
Which exporters and buyer countries are covered?
We work with exporters based in India, Hong Kong, Dubai/UAE and Singapore, selling on open-account terms to repeat buyers — with strong coverage for buyers in the US, EU, Middle East and ASEAN. For businesses based in India, we also cover domestic trade: invoice discounting, purchase-order financing, vendor/dealer programmes and working capital through our India financing partner.
Who finances the domestic India products?
Our India financing partner — an RBI-registered non-banking financial company (NBFC). SmartTel's Indian arm makes the introduction; the NBFC runs credit assessment, KYC and disbursal, and you agree terms directly with them. We never hold funds or documents.
Can I get financing against property I own?
Yes. Loan against property is one of the domestic options our partners cover. We make the introduction; the regulated lender assesses the property and underwrites the facility. Typical uses include consolidating expensive unsecured debt into a cheaper secured line or funding larger working-capital needs.
Is the India offering different from export factoring?
Yes — it's a separate product line with a separate financing partner. Export invoices go to our export factor and are financed in USD; domestic India facilities — invoice discounting, purchase-order financing, vendor and dealer programmes, working-capital loans — are financed in INR by our India financing partner. Both start with the same free enquiry, and you pay SmartTel nothing either way.
Get started
See if you qualify
Share a few basics and we'll check fit, then make a warm, sector-matched introduction to the right financing partner — at no cost to you.