Questions exporters actually ask.

CapitalXB offers a range of financial products tailored to SMEs, including factoring, discounting, and short-term business loans.

Factoring is a financial service where businesses sell their accounts receivable (invoices) to CapitalXB at a discount. This provides immediate cash flow to the business, helping to manage day-to-day operations and reduce financial strain.

Discounting involves obtaining funds based on the value of unpaid invoices. By using our solution, SMEs can access immediate cash flow without waiting for the invoice payment term to end, which can be crucial for maintaining smooth operations.

Yes, SMEs can apply for multiple loans, provided they meet the eligibility criteria and demonstrate the capacity to manage and repay the loans.

To apply for a business loan with CapitalXB, SMEs need to complete an online application form. We require basic information about your business to underwrite your business.

Eligibility criteria include:

1. Being a registered SME with a valid business license.
2. Demonstrating a track record of financial stability.
3. Meeting specific creditworthiness requirements.

To process your application, we need some basic information about your company, including its ownership pattern and financial statements. You will also need to provide details about the proposed transaction and the buyer. Once we receive your completed CapitalXB Application Form, we will begin processing your application.

We are open to providing financing to new exporter companies, subject to the evaluation of your company and buyer credibility. You may submit your financials and other requisite details. Approval will be based on your sector, export sales volumes, current order book, and potential for growth.

The loan approval process at CapitalXB is efficient, with most applications being processed within 2 business days. This timeline may vary based on the completeness of the application and the specific loan type.

We offer financing up to 90% of your Net Invoice Value, subject to our internal credit approval. Net Invoice Value = Gross Invoice Value - Advances/Refunds/Adjustments, etc.

Our platform can finance invoices within 72 hours.

Detailed information about fees and charges will be provided during the application process and in the loan agreement.

Repayment structures vary depending on the loan type and agreement. Generally, loans are repaid through monthly instalments, with terms clearly outlined in the loan agreement.

• No collateral is required from our clients.
• The approval process is swift, taking only seven days, which is faster than traditional banks.
• We have a shorter turnaround time for disbursing funds.
• We can easily increase the credit line size if needed.
• Our financing fees are highly competitive.

Putting up collateral is not necessary. We only ask that you assign particular invoices to CapitalXB.

Please reach out to our team to assist you in exploring any other financing options.

Our invoice financing services benefit both buyers and suppliers. Suppliers can use CapitalXB to expand their business by offering deferred payment terms, a preferred method for buyers to optimize their cash flow.

Easily. CapitalXB earns fees from companies that choose to finance their invoices with us. If you introduce a new client who finances at least one invoice with our platform, we will pay you a percentage of the fees we earn on every invoice we finance for that client in their first year with us.

Our system is uncomplicated and will furnish you with a personalized link that you can share with your network. If one of your referred contacts applies for financing from CapitalXB, you will receive credit. You can monitor the advancement of your referrals on the CapitalXB platform. Our platform will give you a unique link that you can disseminate to your associates. Once one of your referred contacts solicits financing from CapitalXB, you will receive recognition. You can supervise the progress of your referrals on the CapitalXB platform.

FOX refers to individuals who actively link export/import companies to the financial platform of CapitalXB. They receive a commission for successful introductions, and this could be a part-time or full-time income opportunity.

FOX refers to individuals who actively link export/import companies to the financial platform of CapitalXB. They receive a commission for successful introductions, and this could be a part-time or full-time income opportunity.

You don't need any prior experience or financial knowledge to participate, but you will need to complete our brief online introduction that covers basic instructions and frequently asked questions (FAQs).

Once the client is successfully financed and the deal is completed, the FOX member will receive a commission from CapitalXB on every invoice that the client finances with us during their first year.