Commonwealth Trade MSME Exporter Portal

馃嚙馃嚛 Bangladesh 路 Category 8 of 9

Trade Finance Providers

Verified 路 20 May 2026

Exporters access foreign-currency input financing through Bangladesh Bank schemes and commercial bank instruments like back-to-back LCs and export credit.

Overview

Financing an export order in Bangladesh usually starts with your commercial bank (an Authorised Dealer bank) and a confirmed order or Letter of Credit. The classic structure for manufacturer-exporters is the back-to-back LC: against your buyer's export LC, your bank opens an import LC for the raw materials you need. To fund the foreign-currency side, banks draw on the Bangladesh Bank Export Development Fund (EDF), a central-bank revolving fund that on-lends US dollars to exporters for input imports at concessional rates; Bangladesh Bank has also introduced a taka-based Export Facilitation Pre-finance Fund (EFPF). Other tools include packing credit (pre-shipment finance), export bill discounting/negotiation (post-shipment), and export credit guarantee cover through Sadharan Bima Corporation. For a small exporter the practical route is to build a relationship with an AD bank, keep your EXP forms and proceeds realisation clean, and ask specifically about EDF/EFPF eligibility and current lending ceilings, which Bangladesh Bank adjusts periodically.

Key requirements

  1. 1

    Authorised Dealer bank relationship

    Route export LCs, EXP forms and proceeds through an AD bank; this is the gateway to all central-bank refinance schemes.

  2. 2

    Back-to-back LC facility

    Open import LCs for inputs against a confirmed export LC, funded in foreign currency via EDF where eligible.

  3. 3

    EDF / EFPF pre-finance

    Access Bangladesh Bank's Export Development Fund (USD) or Export Facilitation Pre-finance Fund (BDT) subject to current ceilings and eligibility.

  4. 4

    Pre- and post-shipment credit

    Use packing credit before shipment and bill discounting/negotiation after shipment to bridge the working-capital gap.

  5. 5

    Export credit guarantee

    Consider Export Credit Guarantee Scheme cover from Sadharan Bima Corporation to insure against buyer non-payment.

Documents you will need

  • Export LC or confirmed sales contract
  • EXP form registered with the AD bank
  • Back-to-back import LC application
  • Proforma invoice for input imports
  • Audited financial statements / bank facility application
  • ERC and trade licence
  • Proceeds realisation certificate (for track record)