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.
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.
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 exporters ask us first.
Are you the one financing my invoices?
No. SmartTel is a lead-generation and introduction partner; an established export factor does the actual financing. 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.
Get started
See if you qualify
Share a few basics and we'll check fit, then make a warm, sector-matched introduction to the factor — at no cost to you.