We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Commodity Trade Finance
“Best lender” depends on your commodity, your structure, your jurisdictions, and whether you can run controls. Commodity trade finance is credit plus operations. If the underlying flow is real and you can evidence title, performance, and repayments, lenders can often structure it.
This page gives you a practical shortlist of lender types, what they underwrite, and how to approach the market without wasting cycles. For a broader orientation, see Trade Finance and Trade Finance Services.
Lenders do not finance a commodity story. They finance a defined purchase and sale cycle, with enforceable rights, verifiable documentation, and controls that prevent leakage. Common lending outcomes include:
Reality check: the fastest route to rejection is unclear title, weak controls, or a file that cannot be verified end to end. Commodity trade finance is strict because fraud and disputes are strict.
The lender wants a real trade loop: supplier, logistics, buyer, payment terms, and evidence that goods move and invoices get paid. “We have buyers” is not evidence. Documents and traceability are evidence.
The best commodity lenders are control lenders. They need a structure that prevents cash leakage and protects collateral.
Concentration and buyer quality matter. A single off taker can be fine, but then the file must be strong enough to carry that concentration.
KYB, KYC, AML, sanctions screening, and source of funds are not optional. If your process cannot survive screening, it will not close.
Below are examples of banks with established trade finance capabilities and, in several cases, dedicated commodity trade finance coverage. This is not a ranking and not a promise of approvals. Fit depends on your deal box.
| Lender | Where They Tend To Fit | Typical Structures |
|---|---|---|
| HSBC Official page |
Global commodity and structured trade finance across energy, metals, and agriculture | Borrowing base, warehouse finance, structured trade, documentary trade |
| Citi Official page |
Commodity trade finance across transactional and structured needs | Transactional financing, borrowing base financing, performance risk financing |
| Rabobank Official page |
Strong heritage across agri commodities and broader commodity flows | Working capital secured structures, trade flow solutions, commodity finance |
| Société Générale Official page |
Trade and commodities financing across energies, metals, and agriculture | Trade finance, commodity linked financings, exporter and trader coverage |
| ING Official page |
Trade finance platform that can support commodity import export structures where fit is strong | Letters of credit, guarantees, import export financing, documentary flows |
| Standard Chartered Official page |
Trade finance and working capital support across cross border trade corridors | Letters of credit, guarantees, shipment related trade support |
Commodity lenders have seen every version of the same pitch. If you want speed, send a lender grade file, not a message thread. Here is the difference:
| What You Send | What The Lender Thinks | What Works Better |
|---|---|---|
| “We need USD 10m to trade commodities fast” | No structure, no controls, no repayment logic | Sources and uses, trade loop, repayment path, and collateral and controls summary |
| “We have an offtaker and a supplier” | Not verifiable, dispute risk unknown | Contracts, payment terms, buyer acceptance, and performance evidence |
| “Collateral is the commodity” | Title and control unclear | Warehouse, inspections, insurance, eligible collateral definition, and monitoring plan |
| “We can do it without documents to move faster” | Compliance and fraud risk | KYB, KYC, sanctions, source of funds, and a clean data room with audit trail |
Financely operates as a transaction led capital advisory desk. We do not run exploratory calls. We run a fixed process designed to get term sheets. You submit your deal, we revert with feasibility and an indicative structure, and if you accept and pay, we package the mandate and route it to matched capital providers. Where execution requires licensing, we coordinate execution through appropriately licensed partners under their approvals.
If you are building a trade finance file for lenders, start with How It Works and review Trade Finance Services. For longer dated capex style needs, see Project Finance.
If you have a defined trade loop, identifiable counterparties, and a support plan for controls, submit your deal. We will revert with feasibility, required documents, and a term sheet path sized to your timeline.
A lender grade file with verifiable documents, clear sources and uses, defined repayment logic, and a controls plan. Commodity lenders fund structures, not stories.
Most structures rely on collateral and controls, such as inventory, receivables, cash margin, or enforceable assignment rights. Advance rates and eligibility depend on commodity, counterparties, and monitoring.
Sometimes, but lenders will demand stronger controls, stronger counterparties, and tighter collateral logic. If you have no track record, you need a structure that reduces reliance on trust.
No. Financely is not a bank and not a direct lender. We package and route mandates to matched capital providers, subject to diligence and approvals.
The cleanest commodity trade finance mandates are boring on paper: verifiable documents, tight controls, and a repayment path that survives stress. If your file cannot pass that test, fix the structure before you chase lenders.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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