Commonwealth Trade MSME Exporter Portal

馃嚞馃嚟 Ghana 路 Category 8 of 9

Trade finance providers

Verified 路 29 May 2026

The Ghana Export-Import Bank (GEXIM) is the lead public export financier, alongside commercial banks offering pre- and post-shipment trade finance.

Overview

Financing the gap between producing goods and getting paid by an overseas buyer is often the hardest part of exporting for an MSME, and Ghana has dedicated institutions for exactly this. The Ghana Export-Import Bank (GEXIM), established under Act 911 of 2016 and wholly owned by the state, is the principal export-finance institution: it offers pre-shipment credit to buy raw materials and fund production, post-shipment credit and export-receivables finance to bridge the wait for buyer payment, and medium-to-long-term export-development finance for expansion, plus risk-bearing services like guarantees and trade and market information. Commercial banks in Ghana also provide letters of credit, documentary collections, invoice discounting and foreign-exchange services for exporters. For MSMEs, GEXIM is often the first stop because its mandate is specifically to grow Ghana's export base and it targets non-traditional exporters, but you will need a solid business plan, a firm export order or contract, and clean company and tax records to qualify.

Key requirements

  1. 1

    Registered, bankable business

    Lenders require a registered company, valid TIN, and clean financial and tax records before extending trade finance.

  2. 2

    Confirmed export order or contract

    Pre- and post-shipment facilities are typically tied to a firm purchase order, contract or letter of credit from the buyer.

  3. 3

    Choose the right facility

    Match the need to the product: pre-shipment for production costs, post-shipment/receivables finance to bridge payment terms.

  4. 4

    Collateral or guarantee

    Facilities may require security or a credit guarantee; GEXIM also offers risk-bearing and guarantee services.

  5. 5

    Business plan and cash-flow

    Prepare a viable business plan and cash-flow projections demonstrating ability to fulfil the order and repay.

Documents you will need

  • Company registration certificate and TIN
  • Confirmed export order, contract or letter of credit
  • Business plan and cash-flow projections
  • Audited or management financial statements
  • Bank statements
  • GEPA exporter registration
  • Collateral / security documentation where required