Global Trade Finance Platform for Complex Transactions
Structure and place trade finance for imports, exports, commodities, inventory, receivables, letters of credit and cross-border working capital.
Trade Finance for Companies Moving Real Goods Across Borders
Financely provides a global platform for companies that need to structure, arrange and execute cross-border trade finance across imports, exports, physical commodities, inventory, receivables and bank instruments.
We work with transactions that already have a commercial purpose: a supplier to pay, a buyer to deliver to, goods to move, inventory to finance or receivables that will ultimately repay the facility.
The trade exists. The cash arrives at the wrong time.
Trade finance exists because a commercially sound transaction can still create a substantial funding gap between supplier payment and buyer collection.
An importer may have to pay a producer before goods leave the port of origin. An exporter may need to purchase raw material, process it and ship it before collecting from an international buyer. A commodity trader may have capital tied up simultaneously in prepayment, cargo in transit, warehouse inventory and receivables.
The financing requirement can become more complex when suppliers require documentary letters of credit, banks restrict trade limits, freight and customs must be funded separately, or the operating cycle overlaps across several transactions.
The objective of a properly structured facility is therefore not simply to provide "working capital." It is to finance the specific point in the purchase → shipment → inventory → sale → collection cycle where capital is trapped.
A financing platform built around the transaction.
Pay suppliers before local resale
Financing for importers that must settle suppliers, issue bank instruments or fund goods before domestic customers have paid.
Finance production before shipment
Working capital for exporters purchasing, processing, packaging and shipping goods against identifiable international buyers.
Finance physical trading cycles
Structures for agricultural commodities, metals, minerals, energy products and industrial raw materials moving through documented trade flows.
Support supplier payment obligations
Documentary letters of credit, guarantees and related bank-instrument structures where suppliers require bank-supported settlement.
Release capital tied up in stock
Financing against eligible inventory held in controlled warehouses, terminals or other acceptable storage arrangements.
Convert delivered trade into liquidity
Financing against eligible invoices and contracted buyer obligations after goods have been delivered or accepted.
Financing structures available across the trade cycle.
There is no single trade-finance product suitable for every transaction. Facility design depends on when cash is needed, which asset or obligation supports the lender, and how repayment will be controlled.
A bank undertaking used to secure supplier payment against compliant documentary presentation. Financely also covers documentary letter of credit structuring > for qualifying commercial transactions.
Financing made available to fund a contracted supplier purchase before the trader or importer has collected proceeds from the downstream buyer.
Funding provided against future export proceeds to support production, procurement or processing before goods are shipped.
Debt advanced against eligible stock subject to agreed valuation, monitoring, insurance and collateral-control requirements.
A revolving structure in which availability is calculated periodically against eligible inventory and receivables after applying agreed advance rates, reserves and concentration limits.
Financing against invoices owed by acceptable buyers after the trade has converted from inventory into a contractual payment obligation.
Short-tenor financing structured around a defined purchase, shipment, resale and repayment cycle.
Non-bank debt used where a conventional commercial-bank trade facility cannot accommodate the size, jurisdiction, collateral or complexity of the transaction.
The transaction has to survive lender underwriting.
A financing request becomes materially stronger when every movement of cash and goods can be explained before lender outreach begins.
Trade flows across commodities, industrial goods and supply chains.
| Sector | Typical Financing Requirement | Possible Structure |
|---|---|---|
| Agricultural Commodities | Seasonal procurement, vessel cargoes, warehouse stock and buyer receivables. | LC, prepayment, inventory finance, borrowing base or receivables facility. |
| Metals & Minerals | Mine purchases, concentrates, refined metal, stockpiles and international offtake. | Pre-export finance, offtake prepayment, inventory loan or receivables finance. |
| Energy Products | Supplier settlement, cargo finance, terminal inventory and distributor receivables. | LC, trade loan, storage-backed facility or structured private credit. |
| Food & Consumer Goods | Import purchases, shipping, customs, local inventory and retailer payment cycles. | Import finance, PO finance, inventory or receivables facility. |
| Industrial Inputs | Chemicals, fertilizer, polymers, components and other inputs required before production or resale. | Documentary credit, supplier finance, inventory line or working-capital facility. |
| Manufactured Goods | Raw materials, export production and delayed customer settlement. | Purchase-order finance, pre-export finance or receivables financing. |
Trade finance problems usually appear before the lender does.
A supplier invoice alone is not a complete financing case. Institutional lenders need to understand the entire transaction and the risks between disbursement and repayment.
The facility solves only part of the cycle
A letter of credit may solve supplier payment while freight, customs, margin calls or local inventory remain unfunded.
The buyer is not sufficiently underwritten
A profitable trade can become unfinanceable when repayment depends on a weak, concentrated or poorly documented buyer.
The paperwork does not match the economic trade
Purchase contracts, sale agreements, invoices, inspection, shipping documents and corporate records must tell one consistent story.
The debt matures before cash returns
The facility has to cover the realistic purchase-to-collection period, including normal transport and settlement delays.
The bank has no appetite for the route
A transaction can be commercially attractive while falling outside a specific lender's country, sanctions or correspondent-banking limits.
Several transactions overlap
Growing traders often need more capital because the next purchase must be funded before proceeds from the prior shipment have been collected.
One financing process across multiple capital sources.
Trade-finance capacity does not sit in one market. Depending on the transaction, the relevant financing universe can include commercial banks, trade-finance banks, private-credit funds, asset-based lenders, commodity financiers, receivables investors and specialist non-bank providers.
Financely's role is to structure the transaction and coordinate the financing process across the institutions that can realistically underwrite it. We are not limited to a single balance sheet, bank product or geography.
For larger or more complex transactions, this allows the financing strategy to be built around the trade itself rather than around whichever product happens to be available from the borrower's existing bank.
Companies with more complicated physical trading requirements can also review our trade finance transaction structuring coverage.
ExecutionFrom live transaction to lender underwriting.
Transaction amount, commodity or goods, origin, destination, supplier terms, buyer terms, tenor and financing requirement.
Map the trade cycle, identify the financing gap, establish the requested facility structure and determine the repayment mechanics.
Assemble the corporate, commercial, financial, shipping and collateral information required for institutional underwriting.
Approach relevant banks, trade-finance lenders, private-credit funds and specialty capital providers according to mandate fit.
Coordinate diligence, commercial terms, documentation, security, conditions precedent and funding with the selected financing counterparty.
Global Trade Finance Platform FAQ
Does Financely lend its own capital?
Financely provides advisory, structuring and arranging services. Financing is provided by third-party banks, funds and other capital providers that independently underwrite each transaction.
Can you arrange documentary letters of credit?
Financely can structure and arrange documentary letter of credit requirements for qualifying commercial transactions, subject to applicant, bank and transaction underwriting.
Can trade finance cover freight, customs and logistics?
Potentially. These costs must be included explicitly in the transaction funding model because a supplier-payment facility does not automatically finance freight, insurance, duties or local logistics.
Can inventory be used as collateral?
Eligible inventory may support financing where ownership, valuation, location, insurance and lender control can be established to an acceptable standard.
Can receivables be financed after goods are delivered?
Yes, where the underlying buyer and receivable meet lender eligibility requirements. Receivables financing can also serve as the takeout for an earlier purchase or inventory facility.
Do you work with commodity transactions?
Yes. Financely works across physical commodity trades including agricultural products, metals, minerals, energy products and industrial raw materials, subject to transaction and counterparty review.
Can you finance newly established trading companies?
It depends on the structure. New trading entities can be more difficult to finance because lenders have less operating history to underwrite. Strong counterparties, collateral, sponsor support, contracts and transaction controls can materially affect lender appetite.
What information is required to review a trade?
At minimum: company information, requested facility amount, supplier, buyer, commodity or goods, origin, destination, purchase price, resale value, payment terms, shipment timing, tenor and expected repayment mechanics.
Is financing guaranteed?
No. Every transaction remains subject to lender underwriting, KYC, AML and sanctions review, commercial due diligence, documentation and final credit approval.
Bring us the trade. We will structure the financing requirement around it.
If you have a real supplier, a defined buyer, identifiable goods and a measurable funding gap, submit the transaction for review. Financely can structure the requirement, prepare the financing case and coordinate placement with relevant trade-finance capital providers.
Request a Trade Finance Proposal