Get hassle free export finance
without recourse!

Get non-recourse based financing against your exports to developed countries.

Minimum Invoice Value should be USD 20,000. Trading History with customer should be minimum 1 year.


No collateral required

Non-recourse funding

Off-balance sheet finance

100% Credit protection against default by buyer

Quick and hassle-free documentation

What is Export Factoring?

Export Factoring is a Working Capital financing solution where a Factoring Company purchases Invoice from the Exporter (Seller) and provides funding to the Exporter. Around 80% of the Invoice Value is funded to the Exporter where payment risk is on the Buyer and no collateral is required from the Exporter. This is a transaction specific Working Capital Funding provided to the Exporter. Funding is provided against acceptance from the Buyer.

How it Works?


NuPhi purchases Export Invoice from the Seller (Exporter) and obtains acceptance on Invoice from the Buyer directly


NuPhi disburses 80% of Invoice Value in the Account of the Exporter (EEFC Account) against purchased Invoice (net of fees)


On invoice due date, Buyer directly pays NuPhi the Full Invoice Value


NuPhi then releases the balance payment (net of fees) to the Exporter.

NuPhi's pricing depends upon the creditworthiness of the buyer, geography of the buyer, underlying goods, volumes, etc. Reach out to us to get a detailed pricing quote.

Why NuPhi?

Immediate Working Capital

NuPhi provides working capital for exports without any collateral or financial appraisal of exporter's business. The entire process is simple and fast

Protection against Buyer Bankruptcy

We enable peace of mind to the Exporter as we assume the risk of shortfall of payment due to Buyer's insolvency. The Exporters need not take credit insurance and can save costs.

Digital & Quick Onboarding

Entire onboarding process is digital and we do not need lengthy paper work to provide funding. We value the confidentiality of your business and we contact your customers only limited to confirmation of relevant invoices.


NuPhi is a Trade Finance focussed FinTech providing quick and digital export financing to SME exporters. We are applying the latest technology towards developing better ways to deliver working capital finance. NuPhi is headquartered in Singapore and also has an office in Mumbai.

While we may have to meet you to explain the genesis of "Nu+Phi" (pronounced as "New+Fy") and how it happened with us, for now we can share that NuPhi is an endeavour to bring new techniques in the way credit delivery is done while retaining fundamentals of old tried and tested means. It's our way to build a "New Finance" era.

Meet the Team

NuPhi is the culmination of passion of an enthusiastic team towards delivering funds to SME’s in a cost-effective, innovative and efficient manner.

Proud Member of

Frequently Asked Questions

We DONOT require any No Objection Certificate from Exporter's local banks / Lenders. However, funding against purchased Invoices shall be done only in the EEFC Account held with Exporter's primary working capital Bank Account.
While Exporter may reconfirm this with their Auditors, in our view since NuPhi undertakes completely non-recourse financing / factoring, this is pure sale of receivables whereby the transaction shall result as reduction in trade receivables and increase in cash balances on the books of Accounts of the Exporter.
Rest assured once the requisite information is shared with us on Export Trades, the process for availing limits is straight forward. Documentation is simple and transaction specific, only for purchase of specific invoice to the concerned Buyer (as approved by NuPhi). Entire process should take days or weeks and surely not month for availing first disbursement.
We are a team of ex-bankers and appreciate the confidentiality of Information. Presently, we are working with numerous exporters across India and we are only in the business of Financing / Factoring.
We prefer minimum invoice value of USD 20,000.
Exporters who have past trading history with Buyers of minimum 1 year.
We prefer non-perishables, however specific request for Services Exports can be evaluated excluding project related exports.

Reach Us At


203, Techno IT Park, Next to Eskay Resort, Link Road, Borivali West, Mumbai 400092


#19-08 SBF Center, 160 Robinson Road, Singapore 068914


1416, 120, Eastern Valley Way, Belconnen, Canberra 2617, Australia

+91 91373 69284
+91 93267 85242
+61 468 925 621

Have a Question? Share your requirements and we will get back ASAP