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Export Financing

Export Financing

Maximize borrowing potential with the help of Export Financing from Vision Bank-Texas. Ex-Im Bank's working capital financing enables U.S. exporters to obtain loans that facilitate the export of goods or services.

These working capital loans, backed by U.S. government guarantee, provide you with the liquidity to grow your international sales, and compete more effectively in the international marketplace.

  • VBT financing available for U.S. content export goods only (no import component)
  • Fulfill export sales orders
  • Expand access to financing
  • Turn export-related inventory and accounts receivable into cash
  • Competitively low rates
  • Accommodating terms between 1 and 5 years
  • Up to 90% of the loan guaranteed by the U.S. government
  • Local decision-making and processing
  • Professional, attentive service from start to finish


Eligible exporters:

  • Must be located in the United States
  • Must have at least a one-year operating history
  • Must have a positive net worth

Eligible exports:

  • Must be shipped from the United States
  • Products must have at least 50% U.S. content. (If less than 50%, then Ex-Im Bank can only support the export up to the percent of the U.S. content.)
  • Services must be performed by U.S.-based personnel.
  • Military or defense items are generally not eligible, nor are sales to military buyers (with certain exceptions).

Product Description

Exporters may use the guaranteed financing to:

  • Purchase finished products for export
  • Pay for raw materials, equipment, supplies, labor and overhead to produce goods and/or provide services for export
  • Cover standby letters of credit serving as bid bonds, performance bonds, or payment guarantees
  • Finance foreign receivables
More Information


There is no minimum or maximum transaction amount.


Ex-Im Bank generally guarantees 90% of the bank loan, including principal and interest.

Repayment Terms

Typically, loan terms are for one year but can be up to three years. The loan can be either transaction-specific or revolving.


These guaranteed working capital loans are secured by export-related accounts receivable and inventory (including work-in-process) tied to an export order. For letters of credit issued under the guaranteed loan, we may only require collateral for 25% of the value of the letter of credit.

Borrowing Capacity

With generous advance rates, exporters can borrow more:


Up to 75% advance rate (including work-in-process)

Foreign Accounts Receivable

Up to 90% advance rate