FinTech Agri Lender for Trade and Export Finance

Agricultural Commodity Finance

FinTech Agri Lender

Financely operates a FinTech Agri lender model for commercial agricultural flows. We focus on agro commodity trade finance, export financing, packing credit, pre export finance, and offtake-backed structures for eligible transactions.

If you are a trader, exporter, processor, aggregator, or supply chain operator with real contracts and clear execution capacity, we structure funding around transaction economics, delivery cycles, and collateral logic.

We combine underwriting discipline with technology-led screening to move qualified files faster from submission to structured capital pathways.

What We Finance

Agro Commodity Trade Finance

Working capital against confirmed purchase and sale cycles in commodities such as cocoa, coffee, sugar, grains, pulses, sesame, cashew, rice, and edible oils.

Export Financing

Structured financing tied to export contracts, shipment schedules, and payment milestones for cross-border deliveries.

Packing Credit

Pre-shipment liquidity for procurement, processing, packaging, logistics, and export preparation costs.

Pre Export Finance

Transaction-led facilities supporting goods movement from origin through shipping and payment realization.

Offtake-Backed Funding

Structures anchored to signed offtake agreements, contract quality, buyer profile, and enforceable payment terms.

Bridge And Enhancement Lanes

Where needed, we can structure collateral support, margin top-up paths, and credit enhancement routes to keep viable files executable.

Facility Stack We Structure

Facility Type Primary Use Typical Security Logic
Revolving Trade Line Repeat procurement and shipment cycles Receivables, inventory control, assignment of proceeds, contract rights
Packing Credit Facility Pre-shipment costs and fulfillment preparation Export order support, stock controls, insured logistics pathway
Pre Export Facility Origin-to-export cycle funding Offtake-backed repayment path and payment waterfall documentation
Export Receivables Finance Post-shipment liquidity acceleration Receivable assignment and buyer payment enforceability
Offtake-Linked Structure Delivery-backed capital deployment Contract bankability, buyer risk profile, and jurisdictional enforceability

How Our FinTech Agri Lender Model Works

  • Step 1: Submission of transaction file, contracts, and commercial timeline.
  • Step 2: Underwriting review across borrower profile, buyer strength, commodity flow, and security package.
  • Step 3: Structuring of facility terms, risk controls, and drawdown logic.
  • Step 4: Execution route through suitable funding channels with controlled documentation.
  • Step 5: Monitoring discipline around shipment and payment cycle milestones.
Need full overview before submission? Review what we do and our execution process.

Who We Prioritize

We focus on files with genuine commercial activity, credible counterparties, and documentary readiness. Strong submissions usually include signed contracts or advanced draft contracts, shipment plan, margin logic, and a clear repayment path from commodity proceeds.

This is a transaction-led lending and structuring service. Financing is never guaranteed. All mandates are subject to underwriting, KYC and AML checks, sanctions screening, legal review, and final approval.

Why Financely

Underwriting First

We start with credit discipline and transaction realism, so weak files are corrected early instead of failing late.

Commodity-Flow Focus

Our model is built around procurement, logistics, delivery, and payment cycles in agro trade.

Structured Collateral Pathways

We can support additional collateral design where margin constraints block an otherwise viable deal.

Execution Clarity

Clear deal staging, document sequencing, and accountability from intake to decisioning.

Need A FinTech Agri Lender For A Live Trade Cycle?

Submit your deal file and receive a feasibility and structuring review for agro commodity financing.

Submit Your Deal

FAQ

What is packing credit in this context?

Packing credit is pre-shipment working capital used to prepare export cargo, including procurement, processing, packaging, and logistics prep.

How is pre export finance different from post-shipment finance?

Pre export finance supports costs before shipment. Post-shipment finance accelerates liquidity against receivables after goods are shipped.

Do you finance only one commodity?

No. We work across multiple agro commodities where transaction structure, offtake quality, and risk controls are acceptable.

Can you support offtake structures?

Yes. We can structure funding around signed offtake contracts, buyer profile, and enforceable payment obligations.

Can you help if collateral is short?

In many cases, yes. We can work on additional collateral pathways and margin support logic where the base file is bankable.

Is funding guaranteed after submission?

No. Every transaction goes through underwriting and compliance before any approval decision.

Informational only. Services are provided on a best-efforts basis and are subject to underwriting, compliance, legal review, and third-party approvals.