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.
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.