Import Finance
Finance qualifying supplier payments and imported goods around shipping, documentary and settlement controls.
Structured Trade & Commodity Finance
Finance Physical Trade Around the Underlying Transaction
Financely structures trade and commodity finance for importers, exporters, physical traders, producers, processors and operating companies with identifiable commercial flows.
We build the financing case around the purchase contract, commodity, counterparties, documentary flow, logistics, collateral, payment timing and source of repayment. The objective is to convert a commercial transaction into a lender-readable credit structure that can withstand institutional underwriting.
01
Physical Commodity
Product, specification, quantity, value and marketability are defined.
02
Contractual Flow
Purchase, sale, offtake and payment obligations can be traced.
03
Control Package
Documents, inventory, receivables and cash flows can be controlled where required.
04
Repayment Event
The financing is connected to an identifiable commercial exit.
Goods. Documents. Cash.
Follow the Transaction From Supplier Payment to Final Collection
A structured facility can move with the underlying asset. Exposure may begin as supplier finance, convert into inventory finance and ultimately repay from an eligible buyer receivable or contracted offtake.
Financing Structures
Capital Across the Entire Commodity Trade Cycle
The facility type should correspond to the transaction stage, available collateral, documentary framework and repayment source.
LC Facilities
Structure documentary letter of credit capacity around recurring purchases, transaction tenor and repayment.
Pre-Export Finance
Fund eligible production, aggregation, processing and export requirements against defined future sales.
Warehouse Finance
Finance physical goods held within acceptable storage and collateral-control arrangements.
Borrowing-Base Finance
Create revolving availability against eligible inventory, receivables and other defined trade assets.
Receivables Finance
Convert qualifying trade receivables into liquidity after delivery or acceptance.
Offtake Prepayment
Structure eligible advance financing against future commodity production and contracted purchase obligations.
Supplier & Payables Finance
Address procurement and supplier-payment timing within a structured commercial facility.
Structured Commodity Facilities
Combine purchase, inventory, receivables and documentary financing across a complete trading cycle.
Transaction Architecture
Build a Self-Liquidating Credit Cycle Around the Trade
Structured trade facilities can be designed so the lender's exposure changes as the transaction progresses. Capital enters at procurement and is progressively supported by goods, documents, inventory and ultimately the buyer's payment obligation.
01
Purchase
Supplier contract, commodity cost and initial financing requirement.
02
Shipment
Shipping documents, insurance, inspection and title movement.
03
Inventory
Storage, collateral monitoring, valuation and controlled release.
04
Delivery
Buyer acceptance and creation of the eligible trade receivable.
05
Collection
Buyer proceeds flow through the agreed repayment mechanics.
Facility Selection
Match the Financing Structure to the Asset Being Funded
Each stage of the transaction creates a different form of lender exposure. Select a structure below to see the core underwriting logic.
Import Finance
Bridge Supplier Settlement and Final Sale
Import finance can address the liquidity gap created when suppliers must be paid before imported goods are sold or converted into cash.
- Documentary letters of credit
- Usance and deferred-payment structures
- UPAS LC structures
- Supplier-payment finance
- Import loans
- Controlled settlement mechanics
Pre-Export Finance
Finance Production Before the Export Cash Flow Arrives
Producers and exporters may require capital before the commodity has been produced, processed, aggregated or shipped.
- Contracted export sales
- Production funding
- Commodity aggregation
- Processing expenditure
- Export logistics
- Assigned export proceeds
Inventory Finance
Finance Physical Commodity Positions Under Defined Controls
Eligible inventory can provide collateral value when title, location, insurance, marketability and release mechanics are sufficiently clear.
- Warehouse receipts
- Collateral management agreements
- Independent stock monitoring
- Commodity valuation
- Advance rates and haircuts
- Controlled release mechanics
Receivables Finance
Convert Completed Trade Into Liquidity
Once delivery has occurred the underwriting focus can shift toward the enforceability, debtor quality and collection mechanics of the receivable.
- Invoice discounting
- Factoring
- Forfaiting
- Receivables assignments
- Trade credit insurance
- Controlled collection accounts
Borrowing Base
Create Revolving Capacity Around Eligible Trade Assets
A borrowing-base facility can support recurring trade flows where inventory and receivables continuously enter and exit a defined collateral pool.
- Eligible inventory
- Eligible receivables
- Advance rates
- Commodity haircuts
- Concentration limits
- Borrowing-base certificates
Trade Underwriting
Lenders Underwrite the Entire Transaction Chain
Commodity finance requires a coherent relationship between the borrower, supplier, buyer, goods, logistics, documentation and repayment. Financely reviews the complete transaction before lender engagement and identifies structural weaknesses that may prevent credit approval.
Borrower
Operating history, balance sheet, liquidity, governance and execution capability.
Supplier
Capacity to deliver the required commodity under the purchase contract.
Buyer / Offtaker
Creditworthiness, contractual commitment and payment mechanics.
Commodity
Specification, marketability, price volatility and resale characteristics.
Logistics
Origin, route, storage, transport, inspection and delivery controls.
Repayment
Identifiable source of repayment, cash-flow routing and lender-control mechanics.
Credit Enhancement
Control Rights Can Change the Credit Profile of the Transaction
Depending on the structure, lenders may rely on a combination of contractual controls, physical collateral, receivables, insurance and controlled cash flows.
Documentary and legal rights over financed goods where applicable.
Controlled storage, inventory monitoring and release procedures.
Rights over eligible proceeds generated from the financed trade.
Defined cash-routing and lender repayment waterfalls.
Protection against qualifying physical loss or damage during the transaction cycle.
Credit-risk mitigation against eligible buyer payment obligations.
Verification of quantity, quality and condition where required.
Bills of lading, warehouse receipts and other transaction documents.
Physical Commodities
Transactions We Can Evaluate
Financely focuses on documented physical trade where the commodity, counterparties and repayment source can be subjected to institutional underwriting.
Refined petroleum products
Crude oil and energy products
Copper and base metals
Precious metals
Mineral concentrates
Agricultural commodities
Grains and oilseeds
Fertilizers
Food commodities
Industrial raw materials
Chemicals
Other eligible physical goods
Recurring Capacity
Move Beyond One-Off Transaction Financing
Companies with recurring trade flows may benefit from a borrowing-base or revolving trade facility that grows and contracts with eligible inventory and receivables. This can create more predictable financing capacity than arranging a separate credit approval for every shipment.
Eligible Inventory
Define commodity, location, valuation, tenor and advance-rate requirements.
Eligible Receivables
Establish debtor, aging, concentration and jurisdictional criteria.
Advance Rates
Determine borrowing availability against each eligible asset class.
Concentration Limits
Manage exposure to individual commodities, warehouses, counterparties and jurisdictions.
Revolving Availability
Reuse capacity as financed trades settle and new eligible assets enter the borrowing base.
Lender-Ready File
Give the Credit Committee a Complete Transaction Map
A serious financing file should allow an underwriter to trace the goods, contractual obligations, title, collateral and cash from supplier payment through final repayment.
Purchase Contract
Commodity, quantity, pricing, supplier, Incoterms and settlement requirements.
Sales / Offtake Contract
Buyer, price, delivery, acceptance and payment obligations.
Trade Flow Map
Movement of goods, documents, title and cash between all relevant parties.
Shipping & Storage
Ports, warehouses, terminals, inspection, transport and insurance arrangements.
Transaction Model
Purchase cost, sales value, margin, tenor, funding need and repayment waterfall.
Financial Statements
Historical financials, management accounts and existing credit facilities.
Collateral Schedule
Inventory, receivables, warehouse receipts and other available transaction security.
Counterparty Information
Corporate information and relevant trading history for buyer and supplier.
KYC & Transaction Evidence
Corporate records, beneficial ownership and supporting transaction documentation.
Financely Process
From Raw Trade File to Institutional Credit Process
We review the commercial transaction, identify the appropriate facility architecture and prepare the financing case before coordinating relevant capital providers.
01
Evaluate
Review commodity, counterparties, contracts, economics, logistics and financing requirement.
02
Underwrite
Identify documentary, collateral, repayment and execution weaknesses.
03
Structure
Design the financing instrument, security package and repayment mechanics.
04
Place
Coordinate suitable banks, trade lenders, private credit funds and specialist capital providers.
05
Execute
Support lender diligence, term-sheet analysis, documentation and closing coordination.
Frequently Asked Questions
Structured Trade & Commodity Finance
What is structured trade and commodity finance?
Structured trade and commodity finance is transaction-led
financing built around identifiable goods, commercial
counterparties, documentary flows, collateral and repayment
events. The trade cycle itself forms an important part of the
credit analysis.
Who is this service designed for?
The service is designed for physical commodity traders,
importers, exporters, producers, processors, distributors and
operating companies with genuine B2B trade flows and a
documented financing requirement.
Can you finance commodity purchases?
Eligible transactions may be structured using import finance,
documentary credit facilities, supplier finance,
transaction-specific loans or related trade-finance
techniques depending on the underlying transaction.
Can inventory be financed?
Eligible physical inventory may support warehouse finance,
inventory-backed facilities or borrowing-base structures
where appropriate title, valuation, insurance and collateral
controls are available.
Can you finance receivables?
Eligible trade receivables may support invoice discounting,
factoring, forfaiting or revolving receivables facilities
subject to debtor quality, enforceability and lender
underwriting.
Can Financely structure pre-export finance?
Yes. Qualifying producers and exporters can be evaluated for
pre-export financing where production, sales, logistics and
repayment arrangements are sufficiently defined.
Can an offtake agreement support financing?
A qualifying offtake agreement can strengthen the commercial
exit and may support prepayment, pre-export or other structured
financing depending on the buyer, contract and wider credit
structure.
Can you structure a revolving commodity finance facility?
Companies with recurring eligible trade flows may be
candidates for revolving trade lines or borrowing-base
facilities that provide reusable capacity across multiple
transactions.
What commodity sectors can you review?
Financely can evaluate documented physical trade involving
agricultural commodities, metals, minerals, energy products,
refined petroleum products, industrial raw materials and
other eligible goods.
Does Financely provide the capital directly?
Financely provides structuring, advisory and capital
arrangement services. Financing is provided by third-party
banks, private credit funds, trade-finance institutions and
other eligible capital providers.
Is financing guaranteed?
No. Financing remains subject to independent underwriting,
KYC, AML, sanctions screening, legal review, collateral
analysis, documentation, market appetite and final approval
by the relevant capital provider.
Have a Documented Trade Flow That Requires Structured Capital?
Send us the commodity, quantity, purchase terms, sales or offtake terms, supplier, buyer, jurisdictions, logistics route, payment cycle, requested facility size and proposed source of repayment. Financely can assess the transaction and determine the financing architecture required for institutional review.
Request Structured Trade & Commodity FinanceFinancely provides corporate finance advisory, trade-finance structuring and capital arrangement services on a best-efforts basis. Financely is not a bank, direct lender, commodity merchant, deposit-taking institution or custodian and does not itself provide trade finance facilities or take custody of client funds or commodities. All financing remains subject to independent underwriting, KYC, AML, sanctions screening, counterparty review, collateral analysis, legal documentation, insurance requirements and final approval by the applicable financing institution. Financely does not guarantee lender approval, instrument issuance, facility availability, transaction execution or funding.