Trade Finance Loans

Arrangement for import, export, and working capital loans. Pre-Export Finance, borrowing base, inventory finance, and receivables purchase with enforceable controls and bank execution under standard trade rules.

We arrange bilateral and club trade loans tailored to shipment calendars and payables cycles. Our work covers lender selection, facility structuring, collateral and control mechanics, document standards, and covenant design. We size availability from eligible receivables and stock, set reserves, and model all-in cost by currency and tenor so cash conversion stays predictable from draw to repayment.

Scope of Advisory

Loan Types

  • Pre-Export Finance anchored in offtake and shipping calendars
  • Borrowing base lines over eligible receivables and inventory
  • Inventory finance with title transfer and tripartite agreements
  • Receivables purchase and LC discounting, transactional or program

Borrowers & Uses

  • Importers, exporters, traders, and processors
  • Procurement, production, and shipment working capital
  • Refinance payables, extend tenor, or bridge to collections
  • Seasonal bulges and roll programs aligned to call-offs

Collateral & Controls

  • Assignment of proceeds and controlled accounts
  • Warehouse receipts, collateral manager, and field audits
  • Eligibility tests, advance rates, ineligibles, and caps
  • Sanctions, KYC, and adverse media screening across parties

Execution & Monitoring

  • Lender mapping by corridor, currency, and tenor
  • Term sheet negotiation and closing checklist
  • Draw mechanics, BBC cadence, and covenant testing
  • Reporting and release conditions to maturity

Sectors and Flows

  • Energy: refined products, LNG, LPG
  • Metals: copper, aluminum, zinc, steel
  • Agri softs: sugar, grains, coffee, cocoa
  • Chemicals and industrial inputs
  • Cross-border trade across the US, Europe, LATAM, Africa, and Asia

Eligibility and Dossier

Minimums

  • Facility size from USD 5,000,000
  • Named counterparties and visible shipment or AR plan
  • Defined tenor, currency, and jurisdictions

Core Dossier

  • Corporate KYC and ownership disclosure
  • Financial profile and liquidity overview
  • Borrowing base policy and sample BBC if applicable
  • Collateral plan and control mechanics, including WRs or assignments

Process

Onboarding

Mandate and KYC. Corridor, product, tenor, and currency confirmed. Lender short list built with initial advance rate view.

Structuring

Eligibility tests, reserves, and controls defined. Document set and presentation standards agreed to reduce discrepancy risk.

Placement

Approach banks and private credit desks by corridor and tenor. Q&A to decision. Covenants and reporting cadence finalized in term sheet.

Closing & Monitoring

Conditions precedent cleared. Draw mechanics and BBC cadence active. Ongoing testing and releases tracked to maturity or roll.

Pricing Guidance

  • Margin over benchmark with floors where applicable
  • Origination and utilization fees sized to risk and tenor
  • Reserves and collateral manager costs passed at cost
  • Advisory and arrangement via retainer plus success-linked fee

Final economics depend on eligibility, collateral quality, tenor, corridor risk, and borrower covenant.

Request a Trade Finance Loan Quote

Share your trade dossier. We respond with lenders, advance rates, pricing, and timeline.

Provide counterparties, shipment plan, AR aging, inventory profile, currency, tenor, and proposed controls. Indicate PXF, borrowing base, inventory finance, or receivables purchase.

Request Term Sheet How It Works

Arranged through licensed banks and subject to AML, KYC, sanctions, and credit approval. No commitment to lend until final approval and documentation.

Financely acts as advisor and arranger. We are not a bank and do not take deposits. Facilities are provided by licensed counterparties and remain subject to due diligence, credit approval, and final documentation.