Warehouse Line Advisory for Specialty Finance

Warehouse Line Structuring and Placement

If you originate short-tenor credit, asset-backed loans, or trade receivables, your growth bottleneck is usually capacity. We advise specialty finance firms, originators, and funds on warehouse facilities that actually fund, with lender-ready eligibility, reporting, and controls. We structure the facility, package the credit, introduce bank and private credit counterparties, and support diligence through first draw and scale. If you want the adjacent takeout route, see Warehouse to Term ABS Take-Out and Receivables Securitization-as-a-Service.

Warehouse lines are won on precision: eligibility, advance rates, concentration limits, triggers, reporting, and clean collateral control. We turn your portfolio and origination process into a financeable structure that banks and private credit can underwrite quickly. Asset-based finance is pulling in more private credit capital, which is why this lane is heating up. For one credible market lens, see S&P Global Ratings on asset-based finance and private credit.

Scope of Services

Facility Architecture

  • Warehouse purpose: revolving capacity, seasonal ramp, or bridge to term takeout
  • Borrower and structure: fund, SPV, or originator level with clean collateral isolation
  • Collateral definition: receivables, loans, inventory, or mixed asset pools
  • Control design: lockbox, servicer flows, reserve accounts, and permitted substitutions

Eligibility and Underwriting

  • Eligibility criteria: obligor filters, tenor limits, performance history, and documentation rules
  • Advance rates and haircuts by asset type, concentration, and seasoning
  • Triggers and covenants: delinquency, dilution, charge-offs, and portfolio performance tests
  • Reporting cadence: tapes, audits, reconciliations, and exception handling

Lender-Ready Package

  • Credit memo built for warehouse desks and structured credit teams
  • Collateral tape specs, eligibility mapping, and stratification exhibits
  • Operational write-up: origination, underwriting policy, servicing, and collections
  • Data room structure and diligence checklist with version control

Placement and Closing Support

  • Target lender list: bank warehouse providers, ABS conduits, insurance, and private credit ABF teams
  • Q&A management, follow-ups, and a time-boxed term sheet process
  • Term sheet comparison focused on controls, triggers, and funding certainty
  • Closing coordination with counsel and third parties through first draw and ramp

Asset Classes and Use Cases We See Most

  • Trade receivables and short-tenor B2B invoice pools
  • Inventory and warehouse-controlled facilities tied to documented custody
  • Specialty consumer or SME loan pools with clean servicing and data tapes
  • Point-of-sale, merchant, or cash-flow receivables where performance data is consistent
  • Structured trade finance portfolios with verifiable documentation and controls
  • Warehouse to term takeout planning for scalable capacity

If your collateral is trade receivables, see How to Securitize Trade Receivables and Benefits of Trade Receivables Securitization. If your collateral is goods in storage, see Warehouse Receipt Financing and How to Set Up Warehouse Receipt Finance with a Named Collateral Manager.

Eligibility and Dossier

Best Fit

  • You have repeatable origination with documented underwriting policy and servicing process
  • You can produce clean collateral tapes and support ongoing reporting requirements
  • You can operate under lender controls: lockbox, reserves, eligibility, and audits
  • You want capacity that scales, not a one-off facility that dies after first draw

Core Dossier

  • Portfolio tape and stratifications, plus historical performance and loss metrics
  • Origination and credit policy, plus servicing and collections procedures
  • Legal structure: entity chart, bank accounts, and cash flow diagram
  • Sample contracts, assignment language, and documentation templates
  • KYC and AML pack for borrower and key principals

If you need to align the term sheet and controls with private credit expectations, see Private Credit Term Sheet Checklist and our Private Credit Financing Guide.

Process

Intake

Mandate signed. We review your portfolio, tapes, policies, and target capacity, then confirm what structure is realistic for your assets and timeline.

Structure and Eligibility Build

We design eligibility, reporting, controls, reserves, and covenant triggers that a lender can live with and that you can operate without chaos.

Package and Data Room

We build the credit memo and diligence room, including tapes, stratifications, policies, servicing, and legal structure materials.

Lender Outreach and Term Sheets

We introduce the file to targeted warehouse providers, manage Q&A, and run term sheet comparison based on controls, triggers, and funding certainty.

Closing and Ramp

We support diligence and documentation through close, then help you operationalize reporting and ramp mechanics for predictable draw capacity.

Pricing Guidance

  • Advisory retainer from USD 59,500 based on asset class, tape readiness, and diligence workload
  • Placement fees depend on facility size, structure, and executed terms and are confirmed in writing
  • Third-party costs may include legal drafting, audits, collateral verification, and reporting vendors
  • Final scope is confirmed after dossier review and facility architecture is locked

Warehouse facilities live or die on data, controls, and clean operations. If tapes are inconsistent or servicing is weak, lenders will pass.

Request Warehouse Line Terms

Share your collateral tape, performance history, underwriting policy, servicing overview, and target facility size. We respond with eligibility and next steps.

Include your current funding sources, draw cadence, and whether you want a warehouse to term takeout plan. We act as advisor and arranger and coordinate execution through regulated counterparties where lending or securities intermediation is required.

Request A Quote

All transactions are subject to KYC and AML, sanctions checks, credit approvals, diligence, and signed agreements. Financely is not a bank and does not guarantee funding outcomes.

Financely acts as advisor and arranger. We are not a bank and do not take deposits. Financing outcomes depend on counterparty approvals, diligence results, legal documentation, collateral enforceability, and operational performance. Nothing here is a guarantee of funding, pricing, advance rates, or closing.