Coffee & Cocoa Trade Finance | Pre-Production, PO, Shipment & Receivables Financing
Coffee & Cocoa Trade Financing Solutions
Coffee and cocoa are cornerstone soft commodities, with seasonal harvest cycles and global supply chains that demand liquidity at every stage. Financely provides structured trade finance for growers, cooperatives, exporters, and distributors. Facilities cover purchase order finance, pre-shipment working capital, letters of credit, inventory-backed lending, and receivables financing.
Purchase Order & Pre-Production Finance
Coffee and cocoa cooperatives often require capital to purchase raw beans from smallholder farmers ahead of export. We arrange purchase order (PO) finance secured against confirmed sales contracts, providing liquidity to source, process, and consolidate shipments.
Pre-Shipment Facilities
Exporters face costs for grading, processing, storage, and freight before cargo leaves origin. Pre-shipment facilities bridge this gap, often structured against letters of credit or SBLC-backed contracts, ensuring repayment once shipping documents are presented.
Letters of Credit & SBLCs
In the coffee and cocoa trade, counterparties demand payment security. Financely arranges confirmed, irrevocable LCs and SBLCs from global banks, ensuring exporters receive guaranteed payment while importers preserve liquidity until shipment is fulfilled.
Inventory & Warehouse Receipt Finance
Traders and processors often store coffee and cocoa stock in certified warehouses. We arrange inventory-backed loans and warehouse receipt financing, releasing cash tied up in physical goods. Facilities are monitored with collateral managers to satisfy lender requirements.
Receivables & Post-Shipment Finance
Buyers in Europe, North America, and Asia often pay on 30–120 day terms. We structure invoice discounting, factoring, and forfaiting facilities to accelerate cash flow, freeing up working capital without waiting for buyer remittances.
Example Coffee & Cocoa Financing Structures
| Stage | Instrument | Typical Tenor | Notes |
|---|---|---|---|
| Pre-Production | PO / Input Finance | 30–180 days | Backed by confirmed offtake contracts |
| Pre-Shipment | Working Capital Facility | 60–120 days | Processing, storage, and freight costs |
| Shipment | LC / SBLC | 90–180 days | Bank-backed payment guarantee |
| Inventory | Warehouse Receipt Finance | 90–270 days | Secured by certified stock |
| Post-Shipment | Receivables Finance | 30–120 days | Advance against invoices |
Engagement & Pricing (USD)
| Service Tier | Fee (USD) | Notes |
|---|---|---|
| Full Coffee & Cocoa Finance Mandate | From $15,000 | Covers structuring, underwriting, and lender distribution |
| Single Facility Arrangement | From $5,000 | PO, Pre-Shipment, or Receivables only |
| Success Fee | 1.5% – 2.5% | On funded facility value at close |
Request a Quote for Coffee & Cocoa Financing
Financely arranges PO, pre-shipment, LC/SBLC, inventory, and receivables facilities for coffee and cocoa trades. Minimum engagement $5,000.
Request a QuoteFinancely is an advisory and placement firm. We are not a lender or trading counterparty. All facilities are subject to underwriting, credit approval, and jurisdictional compliance. Fees are quoted in USD. Minimum engagement $5,000; success fees apply on funded amounts.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestProject Finance
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestAcquisitions
Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
