SBA Export Finance Programs

​​​​Bankers Trust actively participates in three SBA export financing programs because we know export markets are key areas of focus and growth for our customers.


Banks have always found it challenging to finance a business’s foreign sales activity and operations. Lending against foreign receivables is risky because it’s difficult at best to collect collateral (the foreign receivable) should the bank ever take ownership of it. There is no dependable course of action that can make a foreign company pay. The bank often finds itself out of luck.

The same philosophy applies to real estate, equipment and inventory financed in, but held outside of, the United States. In a collection scenario, could the bank claim rightful ownership of it? Yes. But now that we own it, we have to find a way to gather and sell it. Managing that process from another country is an uphill battle.

In an effort to help mitigate these collateral risks, the SBA has developed three programs that offer banks repayment guarantees of up to 90%. Because we know export markets are key areas of focus and growth for our customers, Bankers Trust actively participates in all three programs: Export Express, Export Working Capital​ and International Trade Loan.

Export Express

Through SBA Export Express, Bankers Trust offers financing up to $500,000.  It is the simplest export loan product offered by the SBA and allows Bankers Trust to use its own forms and procedures.

Any business that has been in operation, although not necessarily in exporting, for at least 12 full months and can demonstrate that the loan proceeds will support its export activity is eligible for Export Express. The 12-months-in-business requirement can be waived if your employment history demonstrates export expertise and successful previous business experience.

Loan proceeds may be used for business purposes that will enhance your company’s export development. Export Express can take the form of a term loan or a revolving line of credit. For example, you can use funds to participate in a foreign trade show, support standby letters of credit, and translate product literature for use in foreign markets. You may also use funds to finance specific export orders, expand production facilities, and purchase equipment, inventory, or real estate. Your Bankers Trust lender will be well-versed in the ins and outs of how you can use your funds.

Export Working Capital Program

Bankers Trust uses the Export Working Capital Program (EWCP) loan to provide advances for up to $5 million to fund export transactions from purchase orders to collections. You can apply for EWCP loans before finalizing an export sale or contract.

With an approved EWCP loan in place, you have greater flexibility in negotiating export payment terms. However, disbursements can only be made against firm purchase orders from a foreign buyer or to support foreign accounts receivable.
Proceeds of an EWCP loan can be used for:

  • Financing for suppliers, inventory, work in progress, or production of export goods or services
  • Working capital to support foreign accounts receivable during long payment cycles
  • Financing for standby letters of credit used as bids or performance bonds, or as down-payment guarantees

This program can also be used for what is termed “indirect exporting.” An indirect exporter is a U.S. company that sells a product to another American-based company. The original product is used in merchandise that is then exported. The capital needed to develop the original product is financeable under the EWCP program.

International Trade Loan Program

The International Trade Loan Program allows us to offer loans up to $5 million for fixed assets and working capital for businesses that plan to start or continue exporting.

International Trade Loans are available if your small business is in a position to expand its existing export markets or develop new export markets. These loans are also available if your small business has been adversely affected by import competition and can demonstrate that the loan proceeds will improve your competitive position.

You may use loan proceeds to acquire, construct, renovate, modernize, improve, or expand facilities and equipment to be used in the United States to produce goods or services involved in international trade and to develop and penetrate foreign markets. Funds also may be used to refinance an existing loan. Your Bankers Trust lender will be happy to answer any questions you may have about how you can use these funds.

Small Business

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SBA Export Finance | Bankers Trust