Trade Finance in Africa

Apply for trade finance in Africa for real import, export, and commodity trades. We help African businesses move from tight or declined bank limits to usable trade finance facilities backed by banks and private credit partners.

We focus on trade finance for Africa across imports into Africa, exports from Africa, and intra African trade. 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. The team designs a fundable trade finance facility, tests appetite with lenders that understand African risk, and manages credit, documentation, and first draw so contracted cargo and orders are funded on time.

Trade Finance Services in Africa

Trade Flow Assessment

  • Map imports, exports, and regional routes across key African ports and corridors
  • Review Incoterms, payment terms, and shipment sizes on each trade lane
  • Assess buyer and supplier quality, concentrations, and payment performance
  • Identify where cash is trapped between deposit, shipment, customs, and collection

Facility Structuring For Africa

  • Propose LC backed, receivables based, or inventory backed trade finance facilities
  • Set advance rates, reserves, and control accounts by country and counterparty risk
  • Address FX risk, local currency needs, and offshore hard currency collections
  • Build a clear use of proceeds and repayment path from cargo to cash

Credit Pack and Distribution

  • Prepare a lender ready trade finance pack with financials, trade flows, and security
  • Shortlist banks and private credit funds that accept African trade exposure
  • Run term sheet discussions and compare structure, pricing, and covenants
  • Coordinate conditions precedent, security, and first draw with all parties

Use Cases Across Africa

  • Imports of fuel, food, and critical goods into African markets
  • Exports of metals, minerals, and agricultural products from Africa
  • Regional distribution of FMCG, construction inputs, and equipment
  • Traders growing volumes after local banks cut or cap trade finance limits

Trade Finance Structures For African Deals

  • LC backed pre shipment and post shipment trade loans for African flows
  • Borrowing base lines secured on receivables from African and offshore buyers
  • Inventory and warehouse finance at ports, depots, and bonded facilities
  • UPAS LC structures and refinancing of usance LCs linked to African buyers
  • Program lines sized to framework contracts and repeat trade finance needs

Eligibility For Trade Finance in Africa

Minimums

  • Target trade finance facility size from USD 2,000,000 and above
  • At least two years of trading history or strong sector track record
  • Clean KYC, sanctions, and source of funds profile for all key entities

Core Dossier

  • Corporate KYC, ownership structure, and key management details
  • Recent audited or reviewed financial statements and management accounts
  • Receivables aging, stock reports, and main customer and supplier lists
  • Trade contracts, shipment schedules, and details of existing trade finance lines and limits

How To Apply For Trade Finance in Africa

Intake

Mandate signed, KYC received, and trade and financial data uploaded to our portal. Target facility size, timing, and priority routes agreed at the outset so expectations are clear.

Africa Focused Review

Structuring, credit, and distribution teams review trades, countries, and counterparties. You receive a written view on feasibility and a proposed trade finance structure or a clear decline if the profile is not fundable.

Structuring

Facility terms, security, advance rates, and reporting are defined. A lender ready trade finance pack is prepared around your African trade flows and available collateral.

Credit Process and Docs

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

First Draw and Ramp Up

Conditions precedent are cleared, the trade finance facility is made available, and first draws fund eligible trades. Performance and reporting are tracked and the line is positioned for renewals or increases where results support it.

Trade Finance Africa Pricing

  • Lender margin and fees set by borrower risk, collateral, tenor, and trade structure
  • Non refundable arrangement retainer quoted after initial screening and agreed scope
  • Success fee linked to funded facility size and initial draw, payable at closing
  • Legal, security, and third party costs passed through at cost based on lender and jurisdiction

Final economics depend on credit profile, collateral quality, facility size, sector, and the African and offshore jurisdictions involved. All commercial terms are agreed in writing before lender approaches begin.

Trade Finance in Africa FAQ

Who can apply for trade finance in Africa?

We work with established African importers, exporters, and traders that have real contracts, repeat trade flows, and clean KYC. Start ups with no track record usually do not qualify unless backed by strong sponsors or collateral that meet lender criteria.

Which African countries are covered?

We look at trade finance linked to a wide range of African countries, subject to sanctions, local regulations, and lender appetite at the time of request. Each mandate is reviewed individually with country and counterparty risk in mind.

What collateral is required for trade finance in Africa?

Most trade finance facilities require a mix of security such as receivables, inventory, LC proceeds, and sometimes fixed assets or guarantees. During structuring we set a security package that matches lender expectations for your sector and the jurisdictions involved.

How fast can a trade finance facility be approved?

Straightforward cases with complete documentation can move from intake to an approved trade finance term sheet within a few weeks. Complex structures, multiple countries, or heavier security packages can take longer. Timelines are discussed at the start of the mandate.

Do you charge upfront fees?

Yes. We charge a non refundable arrangement retainer for trade finance in Africa once the case passes initial screening. A success fee is charged at closing on the funded facility. Third party costs for lenders and counsel are for the client.

Are you a bank lending your own funds?

No. Financely acts as advisor and arranger. We structure and place trade finance facilities with regulated banks and private credit funds. All deals are subject to lender credit approval, security, and document compliance.

Apply For Trade Finance in Africa

Share trade routes, contracts, and funding needs. We respond with feasibility, a target trade finance structure, and a clear path to a funded facility where the profile is acceptable.

Include corporate KYC, recent financials, details of your main African and offshore buyers and suppliers, and current banking lines and limits. Indicate facility size, timing, and security available. We act as advisor and arranger and coordinate with regulated funding partners from first review through to closing.

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.