Financely helps freight forwarders, NVOCCs, 3PLs, importers, exporters, and commodity-linked shippers arrange cargo finance, trade receivables finance, invoice discounting, and broader working capital lines tied to real trade flows. We coordinate underwriting preparation, lender matching, transaction structuring, documentary review, and closing support through our capital network and execution partners where required.
Working Capital That Starts With The Shipment
When a shipment moves, cash usually gets trapped between invoice date and buyer payment. That gap chokes growth, slows repeat orders, and puts pressure on suppliers, traders, and logistics-led originators. Financely is built for that gap. We structure finance around real cargo movement, receivables quality, buyer strength, documentary controls, and the commercial logic of the trade.
This page is built for logistics partners and shippers that want a serious finance solution rather than a thin software wrapper. Some cases fit receivables purchase. Others require borrowing base finance, inventory-backed working capital, purchase order support, import finance, or a letter of credit-led structure. We cover the wider stack.
For Shippers And Suppliers
Raise cash against eligible receivables, confirmed deliveries, export documents, inventory positions, or contracted trade flows. Use proceeds to fund procurement, production, freight, duties, and repeat shipment cycles.
For Freight Forwarders, NVOCCs, And 3PLs
Add a finance solution to your client base without putting credit exposure on your own balance sheet. Refer transactions, support data flow, and create an added-value service line around working capital.
Structures We Can Arrange
| Structure | Typical Use Case |
|---|---|
| Trade Receivables Finance | Post-shipment liquidity against invoices or receivables owed by eligible buyers. |
| Receivables Purchase | Selected sales where assignment, notice, and legal true-sale style documentation are appropriate. |
| Invoice Discounting | Working capital against receivables pools for repeat trade activity. |
| Borrowing Base Facilities | Lines sized against receivables, inventory, and current assets tied to commodity or trade businesses. |
| Import And Purchase Order Finance | Funding before buyer payment where the transaction stack and take-out path are clear. |
| Letter Of Credit Structures | Use of documentary letters of credit, deferred payment structures, or related trade instruments where the transaction warrants it. |
How The Process Works
1. File Review
We review the shipment profile, counterparties, invoice terms, historic performance, transport chain, and documentary stack.
2. Structure Selection
We determine whether the deal is better suited to receivables finance, receivables purchase, borrowing base lending, inventory-led working capital, or a trade instrument structure.
3. Lender Distribution
We package the file and distribute it to relevant lenders, factors, funds, or trade finance providers based on the case profile.
4. Closing Support
We coordinate questions, document flow, commercial clarifications, and closing support until the facility or transaction is in place.
What Finance-Ready Transactions Usually Have
- Named supplier and buyer with credible commercial history
- Clear invoice terms, repayment logic, and transport evidence
- Clean documentary trail such as contracts, invoices, transport documents, and delivery records
- Reasonable jurisdictional, sanctions, and AML profile
- A transaction size and cadence that justifies lender attention
Looking To Add Cargo Finance To Your Client Offering Or Fund A Trade Flow?
Send us the transaction details, shipping pattern, invoice terms, and counterparty information. We will assess structure fit and advise the fastest credible path to market.
Frequently Asked Questions
Do you only finance cargo already in transit?
Not always. Some cases are post-shipment. Others can be structured earlier in the cycle through purchase order finance, import finance, borrowing base facilities, or letter of credit-supported structures.
Do logistics partners need to fund transactions themselves?
No. In most cases, the logistics partner refers the opportunity and supports the operating data flow. The capital provider underwrites the credit exposure.
Can Financely help with recurring shipment programs?
Yes. Repeat trade lanes, repeat buyers, and repeat documentary patterns are usually easier to package into a scalable working capital line.
What if the deal is too complex for simple invoice finance?
That is exactly where Financely tends to be useful. We look at the broader capital stack and structure around the real bottleneck instead of forcing a weak fit.
Financely provides structuring, underwriting preparation, and capital matching support on a best-efforts basis. Any facility, receivables purchase, or trade finance structure remains subject to third-party approval, legal documentation, and transaction-specific diligence.