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.
A borrowing base facility is what you move to when transactional trade finance starts slowing you down. Instead of re-applying for each shipment, availability expands and contracts with your eligible inventory and receivables. The catch is simple: lenders only offer it when controls, reporting, and counterparty quality are strong enough to run at scale. This page sets out what lenders want to see, what structures actually clear credit, and how to package the request so it gets taken seriously.
Who this is for: Traders, producers, and intermediaries running repeatable flows, where working capital is tied up across multiple open trades at once. If you are still proving the first deal, start with transactional structures such as pre-shipment finance or document-based instruments such as a documentary letter of credit.
A borrowing base facility is a revolving line where the lender sets a formula for availability, based on a defined pool of eligible collateral. As you buy, move, store, and sell commodities, the borrowing base changes, and so does the amount you can draw.
The lender is not betting on optimism. They are betting on controls. The structure works when the facility is self-liquidating: goods move through a controlled chain, receivables are assigned, and cash collections repay the line before profits are released.
| Underwriting Focus | What The Lender Verifies | What Breaks The Deal |
|---|---|---|
| Repeatable Trade Flows | Documented purchase and sale patterns, realistic cycle times, stable margins after logistics and hedging | One-off opportunistic trades with weak documentation and shifting counterparties |
| Counterparty Quality | Verifiable buyers and suppliers, clean KYC, sanctions checks, and assessable payment behavior | Unverifiable counterparties, brokers masking the real buyer, or inconsistent corporate records |
| Collateral Control | Where goods sit, who controls release, how title documents are held, inspection and valuation | Collateral that depends on borrower cooperation to realise |
| Cash-Flow Control | Collections paid into controlled accounts, defined waterfall, set-off rights, and repayment triggers | Buyer payments landing in uncontrolled accounts or unclear repayment sequence |
| Reporting Readiness | Borrowing base certificates, aging, inventory reports, audit tolerance, and systems maturity | Manual reporting, missing reconciliations, or inability to produce lender-grade reporting on schedule |
Borrowing base mechanics are not complicated, but they are strict. The lender defines eligibility, applies advance rates, then subtracts reserves and concentration limits. The output is your borrowing availability for that reporting period.
Inventory counts when it is identifiable, insured, and under acceptable control. That often means controlled warehouse storage, named collateral manager, and acceptable title and release procedures.
Where inventory control is the weak link, lenders will either exclude it from the base or impose heavy reserves.
Receivables count when the buyer is verifiable and acceptable, documents support the claim, and payment terms fit the facility. Assignment and notice to buyer are common.
If your receivables are concentrated in one buyer or one jurisdiction, expect concentration limits and reserves.
Advance rates are applied to eligible collateral, then reserves are deducted for risks the lender cannot price cleanly (quality disputes, transit exposure, jurisdiction risk, performance risk, and documentation gaps).
The fastest way to lose availability is weak documentation and inconsistent reporting.
Lenders cap exposure to single buyers, commodities, grades, or regions. They also exclude receivables that are past due, disputed, offsettable, or unsupported by shipment and acceptance evidence.
A facility is easier to place when eligibility rules match your real book, not an idealised one.
The facility lives or dies on controls. If a lender cannot enforce repayment and collateral exits without relying on you, the credit committee will either refuse or price it to death.
Common failure pattern: The borrower asks for a borrowing base facility but cannot produce lender-grade reporting, cannot support eligibility with a clean document chain, and cannot offer enforceable control of goods and cash. The lender reads it as a corporate loan request disguised as trade finance and declines.
| Term Item | What It Usually Covers |
|---|---|
| Facility Type | Revolving borrowing base line sized to eligible inventory and receivables, subject to reserves and concentration limits |
| Tenor | Often 12 months with renewals, with clean-down or seasonal reduction tests in some cases |
| Availability | Calculated from borrowing base certificates, supported by periodic audits and collateral examinations |
| Pricing | Margin plus fees reflecting risk, jurisdiction, controls, and reporting burden |
| Collateral And Security | Receivables assignment, inventory security interest, account control, insurance assignment, and related documentation |
| Reporting | Regular borrowing base reporting, aging schedules, inventory reports, and compliance certificates |
| Eligibility Rules | Buyer acceptance criteria, receivable aging limits, documentary support, approved locations, and commodity grade constraints |
A lender or credit fund will not reverse-engineer your deal from a folder of contracts. You need a coherent pack that shows the trade flows, controls, and borrowing base logic in one narrative. If you want a lender to move quickly, you do the structuring work upfront.
Financely operates as a transaction-led capital advisory desk. We review your commodity trading flows, structure the borrowing base and control package, prepare a lender-ready file, and run a disciplined term sheet process. Where licensing applies, regulated partners execute under their own approvals. Submit your deal through our intake portal and we will revert with next steps and a clear path to either lender term sheets or a written decline.
It is a revolving working-capital line where availability is calculated from eligible inventory and receivables. Availability adjusts with reporting, audits, and collateral values.
Typically controlled inventory, acceptable title or warehouse documentation, insured goods in transit under acceptable control, and eligible receivables from verifiable buyers on approved terms.
Through receivable assignments, controlled collection accounts, collateral management for inventory release, independent inspections and valuations, and a defined repayment waterfall that pays the facility first.
Track record helps, but lenders also focus on counterparty quality, documentation, enforceable controls, and reporting readiness. If history is thin, stronger controls and tighter eligibility can offset that.
Weak collateral control, unverifiable counterparties, inconsistent documentation, poor reporting readiness, unrealistic availability expectations, or trade flows that do not clearly self-liquidate.
No. A borrowing base facility is collateral-driven and control-driven. The lender sizes and manages exposure through eligibility, reporting, and enforceable exits tied to goods and receivables, not just a balance sheet view.
Disclaimer: This content is informational and does not constitute legal, financial, or investment advice. Borrowing base eligibility, advance rates, control standards, and lender requirements vary by commodity, jurisdiction, counterparties, and facility provider. Obtain independent legal and financial review before committing to any facility, security package, or control arrangement.
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.
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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.
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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.
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