Inventory and Warehouse Financing

When the goods are storable, insurable, inspectable, and title control is enforceable, inventory-backed facilities become one of the fastest ways to fund trade flow. We structure and coordinate warehouse and inventory financing with third-party control so lenders can underwrite the risk and you can execute.

We structure inventory and warehouse facilities where the collateral is controlled by independent third parties. Scope covers collateral manager and warehouse operator onboarding, control agreements, title and release mechanics, inspection and insurance requirements, borrowing base and eligibility rules, and proceeds routing. Outcome is a facility that can scale with flow and does not collapse on basic operational issues.

Scope of Services

Structuring

  • Facility selection: inventory line, warehouse receipt finance, or borrowing base revolver
  • Eligibility rules by commodity, grade, location, and counterparty profile
  • Advance rates, reserves, and concentration limits tied to control strength
  • Tenor and roll mechanics aligned to storage cycle and sale timetable

Third-Party Control

  • Collateral manager setup, inspection scope, and reporting cadence
  • Warehouse operator onboarding and release instruction workflow
  • Control agreements, pledge mechanics, and lien perfection path
  • Release triggers tied to cash receipts, drawdowns, and buyer documents

Documentation

  • Title evidence: warehouse receipts and custody confirmations where applicable
  • Insurance requirements and endorsements aligned to lender requirements
  • Inspection and quality framework with accepted labs and sampling methods
  • KYC, sanctions checks, and ownership transparency for all material parties

Monitoring

  • Borrowing base reporting and covenant monitoring support
  • Reconciliation of inventory movements, releases, and sales proceeds
  • Amendments for new locations, new grades, or higher advance rates
  • Renewals and facility scaling for repeat flow and seasonal peaks

Structures We Coordinate

  • Warehouse receipt finance with independent collateral management and controlled releases
  • Inventory-backed revolving lines with borrowing base, eligibility, and reserves
  • Field exam and inventory audit frameworks to support lender monitoring
  • Proceeds-controlled sale cycles with lockbox or blocked account settlement
  • Multi-location programs with standardized reporting and control rules
  • Release against payment mechanics for repeat buyers and contracted offtake

Eligibility and Dossier

Minimums

  • Facility size typically from USD 1,000,000, smaller reviewed case by case
  • Goods must be storable, insurable, and inspectable with enforceable title or custody control
  • Warehouse and collateral manager must meet lender requirements
  • Transparent KYC and acceptable jurisdictions for all material parties

Core Dossier

  • Commodity specs, grades, locations, and storage plan
  • Warehouse operator details, storage agreements, and access terms
  • Collateral manager proposal, inspection plan, and reporting format
  • Insurance broker quote and proposed coverage schedule
  • Applicant financials, bank statements, and existing liens and debt
  • Sales plan: buyers, contracts where available, and proceeds routing proposal

Process

Intake

Mandate signed and dossier uploaded. We confirm commodity profile, location, warehouse access terms, and the control approach that lenders will accept.

Controls Design

Collateral manager, warehouse operator, insurance, and inspection framework are set. We define releases, reporting cadence, and proceeds routing.

Terming

Indicative terms issued covering advance rates, reserves, pricing, covenants, and closing conditions, tied directly to the agreed control package.

Closing

Legal docs and control agreements executed, lien perfection completed, and operational roles confirmed. Facility goes live once conditions are met.

Operation

Inventory movements, releases, audits, and collections are monitored. We support amendments, increases, renewals, and multi-location expansion.

Pricing Guidance

  • Facility economics depend on commodity, location, control strength, and counterparty risk
  • Third-party costs may include collateral management, inspection, insurance, audits, and legal drafting
  • Arrangement retainer from USD 59,500 based on scope and urgency
  • Success fee 2.5% of funded amount at closing unless agreed otherwise
  • Bank and third-party costs passed at cost

Inventory finance works when controls are real and enforceable. If the warehouse or inspection chain is weak, the facility will price poorly or fail credit.

Request Inventory Facility Terms

Share the commodity specs, storage location, warehouse details, and the facility size required. We respond with eligibility, control requirements, and terming steps.

Include KYC, recent financials, warehouse agreement, proposed collateral manager, insurance quote, and the planned sale and settlement path. We act as advisor and arranger and coordinate execution through regulated counterparties where lending or custody is required.

Request A Quote

All transactions are subject to KYC and AML, sanctions checks, credit approvals, document conformity, and signed agreements. No offer of securities is made.

Financely acts as advisor and arranger. We are not a bank and do not take deposits. Inventory and warehouse financing depends on lender approvals, enforceable control agreements, lien perfection, and counterparty performance. Nothing here is a guarantee of funding.