Kavi Capital funds the wait between placing an order and getting paid — USD-priced credit for India's mid-market importers and exporters, secured by your cargo and documents, not your property.
Whichever side of the shipment you're waiting on — money going out to a supplier, or money coming in from a buyer — we have a product built for it.
Ordering from China, Southeast Asia, or the Gulf? We pay your supplier in full on day one. You repay us over time, without tying up your bank limits or handing over property as collateral.
Already shipped, and waiting on a foreign buyer to pay? We buy that invoice from you and advance most of its value the same day — so you're not financing your customer's payment terms.
Share the purchase order and shipment details with us — no lengthy paperwork upfront.
If you trade on a typical 6-month PO-to-cash cycle, a meaningful share of your working capital is tied up at any given moment — not lost, just trapped in transit.
Your security is the cargo and its documents — not your home, your factory, or your fixed deposits.
Shipping records, past filings, and banking history tell us who you are — even if a bank's checklist says otherwise.
Direct access to US capital means our rates undercut typical uncollateralised working-capital loans.
No. Security sits with the shipment itself — the documents and bill of lading — not with your personal or business property.
Once your documents and trade history are with us, indicative terms are typically shared within a few business days of first contact.
China, Southeast Asia, and the GCC on the import side today, with export factoring available for receivables from rated foreign buyers globally.
Yes — our structure is built on the FEM (Borrowing & Lending) Regulations amendment that took effect in February 2026, which permits this kind of cross-border working-capital lending.
Tell us what you're importing or exporting — we'll tell you what it would cost to fund it.
Start a conversationTwo products, one relationship — funding both sides of a cross-border trade.
Suppliers overseas often want payment upfront, or a bank letter of credit you may not have room for. We step in as the lender: paying your supplier in full on day one, and holding the shipping documents until you've begun repaying. No bank guarantee needed on your end.
| Term | Detail |
|---|---|
| Advance | 100% to supplier |
| Your day-0 payment | 20% margin |
| Repayment window | ~120 days |
| Pricing | 12–14% USD + ~0.5%/cycle |
Shipped the goods, sent the invoice, and now waiting on a foreign buyer to pay — sometimes for months? We buy that receivable from you and advance most of its value immediately, so your working capital isn't stuck financing someone else's payment terms.
| Term | Detail |
|---|---|
| Advance on invoice | ~80% day 0 |
| Balance | On buyer payment, less fees |
| Client all-in cost | ~10% |
We exist because of a structural gap — mid-market importers and exporters who are too small for bank collateral requirements, and underserved by every lender in between.
A regulatory change in early 2026 (the FEM Borrowing & Lending amendment) removed the barriers that used to keep foreign working-capital lending out of India's trade finance market — pricing caps lifted, more categories of lenders allowed in, and working capital no longer excluded as an eligible use. Kavi Capital was built directly on this opening.
We don't ask what you own. We ask what you're shipping.
— Kavi Capital, Underwriting PhilosophyShipping records, customs filings, banking history, and counterparty quality tell us whether a trade is genuine — where a bank's checklist would only ask for collateral you may not have.
The pools of US private credit and dollar capital that are built to price this kind of risk can now lend directly into India — and we know how to reach them.
Payment against documents, cargo and bill-of-lading control, and escrowed collections replace traditional collateral — a lawful, structured pledge, not a guarantee on your assets.
Kavi Capital is not a captive financing arm of any single logistics provider. Any freight forwarder can execute your shipment under our documentation structure — financing is never conditioned on using a particular logistics partner.
Share a few details and our team will come back to you with indicative pricing — usually within one business day.