Grain & Sugar Imports: Structuring 90-Day Bridge Finance Against Warehouse Receipts

Grain & Sugar Imports: Structuring 90-Day Bridge Finance Against Warehouse Receipts

Seasonal grain and sugar flows strain working capital: suppliers ship bulk, buyers pay 30-60 days post-delivery, banks insist on documents the minute cargo lands. A 90-day commodity import financing line secured by warehouse receipt collateral solves the cash squeeze without tying corporate credit limits.

1  Trade Cycle Pressure Points

Maize and soybean importers draw on lines heavily during harvest peaks, then sit idle in off-season. Traditional revolvers charge commitment on unused balances. A draw-per-cargo bridge facility shifts cost to actual usage.

2  Warehouse Receipt Standards

  • Collateral managers: SGS, Bureau Veritas, Control Union.
  • Receipt fields: quantity, grade, warehouse address, lien statement to lender.
  • Dual keys: borrower cannot move stock without lender release.

3  Borrowing-Base Formula

Eligible Value = Qty × Spot Price × Haircut (10-15 %).
Advance = 90 % × Eligible Value.

4  Pricing & Fees

  • Margin: SOFR + 300-375 bps.
  • Up-front: 1 % line size.
  • Warehouse/collateral fee: passed through at cost.

5  Risk Controls

  • Quality cert folded into each draw.
  • Fumigation schedule logged in collateral manager portal.
  • Commodity price hedge (futures short) when advance > 85 %.

6  Timeline & Diligence

  • Week 1 Mandate + data room.
  • Week 2 Term sheet.
  • Week 3-4 Warehouse inspections, legal opinions.
  • Week 5 Signing.
  • Week 6 First draw.

7  Example—45 000 t Soybean Shipment

  • CIF value: USD 21 m
  • Advance rate: 90 % → USD 18.9 m
  • Tenor: 92 days
  • Cost: SOFR + 325 bps → ≈ USD 463 k

8  Financely Service Scope

We coordinate collateral-manager appointment, issue lender RFPs, and close facilities 30-45 days from mandate. Network: 180 trade-finance lenders with USD 30 billion liquidity.

Bridge Your Next Grain Cargo

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