Trade Finance Loans

International shipping containers representing trade finance loans

Transaction Finance

Finance the working-capital cycle behind the trade

Financely arranges trade finance facilities around identifiable shipments, inventory, receivables and contractual payment flows.

Facilities can support procurement, production, shipment, inventory holding periods, supplier payments and the gap between delivery and customer collection.

The mandate covers facility structuring, collateral controls, lender selection, underwriting preparation and execution.

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Scope

Structured trade loans from collateral analysis to lender execution

Loan Structuring

Structure the facility around the transaction, borrowing requirement and expected cash-conversion cycle.

Pre-export finance
Borrowing-base lines
Inventory facilities
Receivables purchase

Collateral & Controls

Define the lender controls required around the financed assets and repayment flows.

Assignment of proceeds
Controlled accounts
Warehouse receipts
Collateral management

Borrowing Base

Determine eligible assets and the mechanics governing facility availability.

Advance rates
Eligibility tests
Concentration caps
Borrowing-base certificates

Lender Execution

Position the transaction with institutions suited to the corridor, currency, collateral and tenor.

Lender mapping
Term-sheet negotiation
Due diligence
Closing coordination

Transaction Profile

What we need to evaluate the facility

Commercial Flow

Facility requirement from USD 5 million
Named suppliers and buyers
Shipment or receivables plan
Defined currency and tenor
Relevant jurisdictions

Credit & Collateral

Corporate KYC and ownership
Financial statements
Receivables ageing
Inventory profile
Collateral and control plan

Procedure

Four stages from review to closing

1

Assess

Review the borrower, transaction, counterparties, facility amount, collateral, currency and tenor.

2

Structure

Define advance rates, eligibility, reserves, controls, repayment mechanics and covenant framework.

3

Place

Approach suitable banks, trade finance funds and private credit providers and negotiate indicative terms.

4

Close

Coordinate diligence, documentation, conditions precedent, draw mechanics and final facility execution.

Pricing reflects collateral quality and transaction risk

Final economics depend on advance rates, eligible collateral, borrower credit, currency, tenor, trade corridor and lender appetite.

Benchmark plus margin
Origination fees
Utilization fees where applicable
Collateral manager costs
Legal and documentation costs
Advisory and arrangement fees

Frequently Asked Questions

What is a trade finance loan?

A trade finance loan is financing structured around a commercial transaction, shipment, inventory position, receivable or other identifiable trade-related cash flow.

What is pre-export finance?

Pre-export finance provides working capital before shipment, commonly against export contracts, off-take arrangements and expected proceeds from future deliveries.

What is a borrowing-base facility?

A borrowing-base facility determines availability using eligible receivables, inventory or other approved assets multiplied by agreed advance rates and subject to concentration limits and ineligibles.

Does Financely provide the loan directly?

No. Financely acts as advisor and arranger. Facilities are provided by third-party banks, funds and other financing institutions subject to underwriting and final approval.

Request a trade finance loan quote

Submit the borrower, transaction amount, supplier and buyer details, shipment or receivables profile, requested tenor and available collateral information.