Trade Finance Declined by Your Bank?

We step in when banks decline or cut trade lines for importers, exporters, and physical traders with real contracts on the line, and structure fundable facilities with selected private credit and trade focused lenders.

We specialise in rescuing declined or reduced trade finance lines where the business is sound and trades are real. Each mandate is handled by a Trade Finance Structuring Director, Senior Trade Finance Originator, Credit and Risk Analysts, a Private Credit Distribution Lead, and a KYC and Onboarding Manager. Together they rebuild the facility around actual trade flows, security, and controls so lenders can fund and your shipments can proceed.

Scope of Services

Bank Decline Review

  • Review bank decline letters, facility cuts, and existing covenants
  • Separate structural issues from fundamental credit problems
  • Map trades at risk, orders lost, and cash gaps in the cycle
  • Issue a clear pass or fail view on whether a rescue is realistic

Trade Facility Design

  • Design facilities around LCs, receivables, and inventory instead of only balance sheet ratios
  • Propose advance rates, reserves, and control accounts for each trade lane
  • Build a clear use of proceeds and repayment path from cargo to cash
  • Anticipate lender credit questions and deal breakers from the outset

Credit Pack and Lender Outreach

  • Prepare a lender ready pack with financials, trade flows, and security
  • Shortlist suitable banks and private credit funds with appetite for your profile
  • Run term sheet discussions to compare pricing, covenants, and structure
  • Coordinate conditions precedent and security to reach first availability

Trade Finance Team On Your Deal

  • Trade Finance Structuring Director who leads structure and risk controls
  • Senior Trade Finance Originator who shapes terms with funders
  • Credit and Risk Analysts who model borrowing base and stress tests
  • Private Credit Distribution Lead and KYC and Onboarding Manager who keep lender dialogue and compliance moving

Structures We Arrange After a Bank Decline

  • LC backed pre shipment and post shipment trade loans
  • Borrowing base facilities against receivables and inventory
  • UPAS LC structures and refinancing of usance LCs
  • Escrow backed packing loans for cargo and duty payments
  • Program lines sized to framework contracts and repeat trades

Eligibility and Dossier

Minimums

  • Target facility size from USD 2,000,000 and above
  • At least two years of trading history or equivalent track record
  • Clean KYC, sanctions screening, and source of funds profile

Core Dossier

  • Corporate KYC, group structure, and key management details
  • Recent audited or reviewed financial statements and management accounts
  • Receivables aging, stock reports, and main customer and supplier lists
  • Bank decline or reduction letters, trade contracts, and a clear pipeline of shipments

Process

Intake

Mandate signed, KYC received, bank decline letters and trade data uploaded to our portal. Target facility size and timing agreed at the outset.

Rescue Review

Structuring, credit, and distribution teams assess whether your profile is fundable. You receive a written view on feasibility and a proposed structure or a clear decline.

Structuring

Facility terms, security package, advance rates, and reporting are defined. A lender ready credit pack is prepared with financials, trade flows, and controls.

Credit Process and Docs

Shortlisted banks and funds assess the pack. We coordinate questions, negotiate term sheets, and then move to facility and security documentation with your legal counsel and lender counsel.

First Draw and Ramp Up

Conditions precedent are cleared, the facility is made available, and first draws fund eligible trades. We monitor usage and performance and position the line for renewals or increases where results justify it.

Pricing Guidance

  • Trade Facility Rescue Review charged as a fixed retainer based on facility size and complexity
  • Structuring and distribution fee agreed when the review confirms the case is fundable
  • Success fee charged as a percentage of the funded facility, payable at first draw
  • Legal, security, and third party costs for lenders and counsel passed through at cost

Economics depend on credit profile, collateral quality, facility size, sector, and jurisdictions involved. All terms are agreed in writing before lender approaches begin.

Request A Trade Finance Rescue Proposal

Upload your bank decline letters, trade contracts, and financials. We respond with feasibility, a target structure, and a clear path to a funded facility where possible.

Include corporate KYC, recent financial statements, an overview of key buyers and suppliers, and details of the facility that was declined or reduced. Indicate your preferred facility size, timing, and security available. We act as advisor and arranger and coordinate with regulated funding partners from first review through to closing.

Request A Quote Upload To Portal

All transactions are subject to KYC and AML, sanctions checks, credit approval, document compliance, final legal review, 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. Trade finance facilities depend on credit approval, security, document compliance, and counterparty performance. Nothing here is a guarantee of funding.