Earn 13–15% target XIRR through short-tenure, asset-backed global trade finance instruments. Diversify beyond equities with a product class that was once accessible only to large institutions.
Global trade finance instruments are short-duration credit instruments that fund the movement of goods and services between international counterparties. They sit at the intersection of international commerce and structured finance — one of the oldest, most essential, and most consistently performing asset classes in the world.
The mechanism is straightforward: when a manufacturer in Germany ships goods to a buyer in India, a gap exists between the moment of shipment and the moment of payment. The exporter has fulfilled their obligation but hasn't yet received funds. The importer hasn't yet received the goods or has received them but needs 30-60 days to complete internal payment processes. Trade finance fills this gap — providing short-term credit to bridge the delivery-to-payment interval, against the security of verifiable documentary evidence.
The instruments involved include Letters of Credit (LCs), Trade Receivables, Invoice Discounting, Purchase Order Financing, and Supply Chain Finance products. Each instrument is backed by a real, underlying commercial transaction — making them fundamentally different from unsecured lending or speculative investments.
Invriddhi provides curated access to a carefully selected portfolio of such short-tenure instruments, with target returns that significantly outperform traditional fixed income products like bank FDs or debt mutual funds. Our deal sourcing team evaluates counterparty creditworthiness, geographic risk, sector dynamics, and documentary strength before any instrument is presented to investors.
The combination of short tenure (your capital is not locked for years), asset backing (real trade documentation provides security), and superior returns (institutional pricing made accessible to individuals) makes this a compelling diversification tool for investors with a thoughtful approach to portfolio construction.
| Investment Type | Returns | Tenure | Liquidity |
|---|---|---|---|
| Fixed Deposits | 6–7% p.a. | 1–5 years | Low |
| Debt Mutual Funds | 7–8% p.a. | Varies | Medium |
| ✅ Invriddhi Private Credit | 13–15% XIRR* | 30–60 days | At Maturity |
| Equity Mutual Funds | 10–14%* | Long-term | High |
💡 Who Can Invest?
Private credit instruments are suitable for investors who understand credit risk and maintain a diversified portfolio. Minimum investment amounts apply. Connect with our advisory team to assess suitability.
Six reasons why sophisticated investors are adding private credit to their portfolios.
13–15% XIRR significantly outperforms traditional fixed income alternatives. Institutional-grade returns now accessible to individual investors through Invriddhi's curated deal access.
30–60 day instruments keep your capital accessible and compounding rapidly. No multi-year lock-ins — reinvest at maturity and let the power of rolling returns work for you.
Instruments are backed by real trade receivables, Letters of Credit, and documentary evidence of commercial transactions — providing a meaningful layer of collateral security.
Access international trade flows spanning Asia, Europe, and the Middle East. Diversify beyond Indian domestic markets and add geographic spread to your investment portfolio.
Principal plus returns are returned at instrument maturity on a rolling basis. Build a laddered portfolio of 30–60 day instruments to generate consistent, predictable cash flows.
Monthly reporting, full trade documentation access, and a dedicated relationship manager for every investor. No black boxes — you understand exactly where your money is deployed.
Three clear steps from opportunity selection to returns receipt.
Review curated trade finance opportunities with full documentation. Our research team provides counterparty analysis, geographic risk assessment, and return projections for each instrument.
Transfer funds digitally after KYC completion. Minimum ticket sizes are designed to be accessible to qualified investors. Your dedicated RM guides you through the onboarding and subscription process.
Principal + target returns are paid directly to your bank account at instrument maturity (30–60 days). Reinvest seamlessly to maximize the compounding effect on your deployed capital.
Private credit and global trade finance instruments involve real financial risks that every investor must fully understand before committing capital. Invriddhi is committed to complete transparency — which means we present risks prominently, not in the fine print.
Returns of 13–15% XIRR are targets, not guarantees. Actual returns may be lower, and in adverse scenarios, loss of principal is possible. These products are suitable only for investors who understand credit risk, have a diversified investment portfolio, and do not require guaranteed capital preservation.
The risk that a counterparty defaults on payment obligations. While instruments are backed by documentary evidence, default by a buyer or seller can reduce or eliminate returns and may affect principal.
Capital is locked until instrument maturity. Unlike mutual funds or listed equities, there is no secondary market. Investors must be comfortable with the committed tenure before investing.
Where instruments involve cross-currency trade flows, fluctuations in exchange rates can impact INR-equivalent returns. Invriddhi will disclose currency exposure clearly in instrument documentation.
This is not a capital market product regulated under SEBI's investment product framework. It is a structured private credit product. Please consult a registered financial advisor before investing. This communication does not constitute an offer or solicitation.
Access, diligence, and support — the three pillars of our private credit offering.
Every instrument undergoes multi-layer credit assessment: counterparty financial strength, geographic risk scoring, sector analysis, and documentary validation. Our research team declines more deals than they accept — your capital deserves nothing less.
We source trade finance instruments through established institutional relationships built over years. Investors on our platform get access to deal flow that was previously accessible only to large private banks and dedicated alternative investment funds.
Every private credit investor is assigned a dedicated Relationship Manager who provides instrument-by-instrument guidance, answers questions on documentation, delivers regular portfolio updates, and ensures seamless maturity and reinvestment coordination.
