Bridge & Structured Finance for Africa‑to‑Europe Commodity Flows

African producers and European buyers agree on price and shipment—yet vessels still stall at port because dollar liquidity, collateral cover or transit funding is missing. Financely unlocks that gap with a two‑hub structure:

• USA SPV(Delaware) originates trade assets, secures U.S.‑dollar bridge lines and issues payment undertakings.
• Dubai SPV(DIFC) purchases title FOB, lodges warehouse receipts or export licences and routes confirmed LCs to European off‑takers.

1. Commodities We Finance

• Copper cathodes & concentrates
• Cobalt, manganese & lithium ores
• Gold doré & refined bullion (LBMA outturn)
• Bauxite & iron ore
• Cocoa beans, coffee, cashew nuts, sesame
• Crude oil & LPG cargoes (raw, not refined products)
• Fertiliser inputs: phosphate rock, potash

2. What We Deliver

Bridge Liquidity – Cash advances against warehouse receipts or inspection certificates within 7–10 days.

Collateral Enhancement – SBLC / UPAS LC issuance via Tier‑1 bank panel to reassure European refiners and processors.

Risk Mitigation – Cargo insured CIF to European discharge port; receivables credit‑insured or confirmed.

3. Geographic Coverage for Borrowers

• United States: Import/wholesale entities leveraging EXIM or private‑credit lines.
• United Arab Emirates: DIFC traders and free‑zone companies bridging Gulf resales.
• European Union & UK: Rotterdam, Antwerp, Hamburg, Marseille, London metals traders and industrial buyers.

4. Transaction Structure

Step 1 – Purchase Contract: African supplier signs sales agreement with Dubai SPV.

Step 2 – Bridge Draw: USA SPV issues SBLC; bridge lender funds up to 80 % of cargo value.

Step 3 – Voyage & Title Transfer: Cargo loaded, insured; title pledged to bridge lender until proceeds clear.

Step 4 – Exit Payment: EU/UK buyer pays under sight or UPAS LC; bridge loan repaid, margin released.

5. Funding Terms (Indicative)

• Ticket: USD 3 m – 50 m per lift, repeatable.
• Advance Rate: Up to 80 % of confirmed cargo value.
• Tenor: 30–120 days door‑to‑door.
• Pricing: SOFR + 600–900 bps or flat 10–14 % p.a. on true‑sale.
• Collateral: WRs, B/Ls, export permits, cargo insurance, LC proceeds.
• Fees: Arrangement 1.5 %–3 %; retainer USD 25 k–150 k (credited to success).

6. Underwriting Snapshot

• Supplier track record ≥ 2 years; no export bans.
• Third‑party inspection (SGS, Intertek) mandatory.
• Buyer credit grade BBB‑ or insured/confirmed LC.
• Commodity hedge or price‑adjust clause if market swings > 20 %.

7. Why Use Financely’s SPV Hubs?

• Regulatory Clarity: U.S. & UAE frameworks satisfy EU/UK compliance teams.
• FX Efficiency: Dollar and dirham funding avoids soft‑currency risk.
• Speed: Pre‑approved credit boxes; SBLCs or bridge lines in days.
• End‑to‑End Support: Documentation, collateral management, insurance & LC confirmation.

8. Engagement Protocol

1. Inquiry: Submit Intake Form + non‑refundable review fee.
2. Indicative Term Sheet: 72‑hour turnaround with structure, pricing, collateral ask.
3. Activation: Execute term sheet, wire retainer, deliver KYC & trade docs.
4. Closing: Bridge draw or SBLC issuance within 7–21 days; repeat cycles pre‑approved after track record.

Financely Group structures cross‑border commodity finance through regulated lenders and banks. We do not take deposits. Funding subject to KYC, collateral verification and lender approval. Misrepresentation terminates engagement and may trigger AML/CTF reporting.