When trade working capital is constrained, shipments slip, counterparties lose confidence, and margins get eaten by delays, demurrage, and rushed sourcing. The trade finance gap is not theoretical. It shows up when banks cannot get comfortable with documentation, controls, jurisdiction risk, or operational execution. Financely supports importers, exporters, and commodity traders with lender-grade underwriting, structuring, and placement for transactions from USD 5,000,000 and above.
Revolving Credit Facilities, borrowing base lines, and structured working capital built around receivables, inventory, and shipment cycles. The objective is predictable liquidity with controls that survive credit committee scrutiny.
Documentary Letters of Credit and payment instruments that align shipment evidence, title logic, and repayment triggers. Drafting quality matters as much as the issuing name.
Trade finance is underwritten on controls, counterparties, and execution realism. We pressure-test the commercial file, the operational path, and the cash conversion cycle, then structure the facility around the cleanest repayment route. If a facility depends on best-case assumptions, lenders will either price it aggressively or decline.
Timelines are driven by readiness. When the file is complete and controls are feasible, routine mandates typically move from intake to term sheet and underwriting decisions in roughly 3 to 6 weeks. Complex jurisdictions, weak documentation, or unclear collateral paths extend timelines.
| Phase | What Happens | What Drives Speed |
|---|---|---|
| Intake And Scoping | Document request, eligibility screen, facility fit, control mapping | Clear transaction narrative, complete KYC, and contract set |
| Underwriting Pack | Transaction memo, sources and uses, repayment mechanics, risk flags | Verifiable counterparties, realistic logistics plan, clean document flow |
| Placement And Terms | Targeted outreach, lender Q&A, term sheet negotiation | Fast responses, disciplined revisions, and consistent economics |
| Documentation And Close | Conditions precedent, account controls, insurance, final approvals | Operational readiness and quick delivery of third-party evidence |
Financely coordinates underwriting and execution alongside regulated banks, non-bank financial institutions, and private credit providers. We structure the facility logic, refine documentation, and manage lender Q&A through to term sheet, conditions precedent, and closing workstreams. Standards and rule-sets commonly referenced include UCP 600, ISP98, and URDG 758 where applicable, alongside practical documentary controls that match the transaction.
Our focus is transactions of USD 5,000,000 and above. Below that threshold, the cost of diligence and controls often outweighs lender appetite.
No. Financely is not a bank or lender. Facilities are provided by regulated counterparties under their own licences, approvals, and documentation.
Common mandates include Revolving Credit Facilities, borrowing base lines, receivables discounting, inventory and warehouse financing, pre-shipment and post-shipment finance, Documentary Letters of Credit, Standby Letters of Credit, Demand Letters of Credit, and related bank payment and guarantee structures where appropriate.
If the transaction file is complete and controls are feasible, routine mandates often run 3 to 6 weeks from intake to term sheet and underwriting decisions, with closing steps thereafter. Complex jurisdictions, weak documentation, or unclear collateral control can extend timelines.
Not always. Some facilities are supported by purchase orders, receivables, inventory controls, or structured proceeds paths. A Documentary Letter of Credit can strengthen certain deals, but only when the drafting and operational execution are realistic.
The most common blockers are unclear repayment mechanics, weak documentary controls, unverified counterparties, inconsistent economics, or compliance issues that cannot be mitigated. A well-built underwriting pack fixes many of these failure points early.
Share your contracts or purchase orders, the trade flow summary, counterparties, and your latest financials. We will review feasibility, flag gaps that block underwriting, and propose a structured execution path.
Request A QuoteDisclaimer: This page is for general information only and does not constitute legal, tax, investment, financial, or regulatory advice. Financely is not a bank or lender and does not provide loans, deposits, guarantees, or insurance products. Any facility referenced is provided by regulated counterparties under their own licences, approvals, and documentation. All transactions are subject to eligibility, KYC and AML checks, sanctions screening, underwriting, and final approval by relevant institutions and counterparties.
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.
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.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
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.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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