Trade Finance Facility Documentation Checklist
A trade finance facility documentation checklist helps borrowers prepare a lender-ready file before requesting funding. Financely structures trade finance facility documentation around buyers, suppliers, invoices, inventory, receivables, collateral, repayment source and transaction evidence.
A trade finance facility is approved through evidence. Lenders need to see the company, the trade flow, the buyer, the supplier, the goods, the documents, the collateral and the repayment route. Missing documents slow underwriting and can kill an otherwise workable trade finance facility request.
The right trade finance facility documentation package should explain what is being financed, why the facility is needed, how the money moves, what secures the lender and how repayment happens.
Core Trade Finance Facility Documents
Borrower Documents
Corporate registration, ownership chart, director details, financial statements, management accounts, bank statements and existing debt schedule.
Buyer Documents
Buyer contracts, purchase orders, invoices, payment history, debtor details, credit support and receivables aging.
Supplier Documents
Supplier contracts, proforma invoices, commercial invoices, payment terms, supplier history and proof of performance.
Collateral Documents
Inventory schedule, warehouse receipts, insurance certificates, shipping documents, title evidence and assigned proceeds.
Documentation Checklist By Facility Type
| Facility Type | Required Documents | Lender Focus |
|---|---|---|
| Revolving Trade Finance Facility | Trade flow memo, buyer list, supplier list, invoices, purchase orders, repayment schedule and facility request. | Repeatability, repayment source, transaction quality and cash conversion cycle. |
| Borrowing Base Facility | Receivables aging, inventory report, borrowing base certificate, reserves, insurance and warehouse details. | Eligible collateral, advance rates, concentration limits, reserves and reporting discipline. |
| LC Sublimit | Proposed LC wording, supplier contract, proforma invoice, shipment details, beneficiary data and reimbursement plan. | LC purpose, expiry, draw mechanics, cash margin, bank risk and reimbursement source. |
| Receivables Finance | Invoices, buyer contracts, delivery proof, receivables aging, payment history and assignment documents. | Buyer strength, disputes, dilution, aging, assignment rights and collection control. |
Transaction Evidence Lenders Expect
A trade finance facility request should include a transaction flow memo showing supplier payment, shipment, customs, warehousing, delivery, invoicing, buyer collection and lender repayment. The lender must understand the full movement of goods and cash.
The strongest trade finance facility files connect every document to the repayment story. Supplier invoice, shipping document, inventory record, buyer invoice and collection route should all support the same transaction logic.
Common Documentation Gaps
Trade finance facility requests often fail because the borrower has weak buyer evidence, missing supplier documents, unclear inventory title, outdated financials, poor bank statements, no receivables aging, missing insurance, vague repayment mechanics or incomplete shipment records.
A lender cannot underwrite a trade finance facility from screenshots, vague contracts or incomplete invoices. The file needs proper documents, clean counterparties and a repayment route that can survive credit review.
How Financely Structures The Documentation File
Financely prepares trade finance facility documentation for lender review. Our work includes document intake, gap analysis, trade flow memo, collateral schedule, receivables review, inventory review, borrowing base logic, term sheet support, credit memo preparation and data room organization.
A properly prepared trade finance facility documentation package helps lenders review the borrower, transaction, collateral and repayment source faster.
Prepare A Trade Finance Facility File
Share your company documents, buyer contracts, supplier contracts, invoices, purchase orders, inventory schedule, receivables aging, shipping documents and repayment plan. Financely will structure the trade finance facility documentation package for lender review.
FAQ
What documents are needed for a trade finance facility?
Common documents include financials, bank statements, buyer contracts, supplier contracts, invoices, purchase orders, inventory schedules, receivables aging, shipping documents and insurance.
Do lenders need receivables aging?
Yes. Receivables aging helps lenders assess buyer quality, payment timing, disputes, concentration and eligibility for a trade finance facility.
Do lenders need inventory documents?
Yes. Inventory schedules, warehouse receipts, insurance, valuation support and title evidence are often required for inventory-backed trade finance facilities.
Can Financely prepare the documentation package?
Yes. Financely structures trade finance facility documentation packages, prepares the lender-facing file and organizes the transaction data room.
Financely is a transaction-led corporate finance advisory firm. Trade finance facility availability, documentation requirements, approval, pricing, advance rates, collateral treatment, facility limits and closing remain subject to lender underwriting, KYC, AML, sanctions checks, credit approval and final legal documentation.
