We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
If you trade physical commodities, you already know the uncomfortable truth: capital is not the hard part, credibility is. A real finance provider is not selling “funding.” They are selling disciplined underwriting, enforceable controls, and a process that produces written outcomes.
In 2026, the winning files still look the same. Clear trade flow. Verifiable counterparties. Document logic that matches Incoterms and reality. Collateral and cash controls that a credit team can defend. If you pick the wrong provider, you do not just waste time. You risk burning counterparties, disclosing sensitive documents to the wrong people, and stalling your trading cycle.
Ask this on day one: “What exactly will the lender control, and how is that control enforced across goods, documents, and cash?” If the answer is vague, you do not have a finance strategy. You have a pitch.
“Structured commodity finance” is an umbrella term. Your provider should be fluent in multiple structures and choose based on your corridor, counterparties, and control profile. If you need a plain language refresher on instruments, see the complete guide to trade finance instruments.
| Common structure | Best fit when |
|---|---|
| LC / Documentary Credit | You need bank-grade payment discipline tied to documents, with a clean shipment and document set. If you need the basics, read how a documentary letter of credit works. |
| LC Confirmation / Discounting | The buyer’s bank risk is the bottleneck, or you need cash acceleration against a bank undertaking. For context, see banks that confirm letters of credit. |
| Borrowing Base Facility | You have repeat flow, reliable reporting, and assets that can be monitored (inventory, receivables, or both) with eligibility rules and reserves. |
| Receivables Finance | You sell to bankable buyers, have clean invoices and delivery evidence, and want a self-liquidating working capital tool. |
| Inventory / Warehouse-backed finance | The commodity sits in controlled storage, you can support inspection and custody, and the lender has a credible path to liquidate on default. |
| Documentary Collections (D/P or D/A) | You need bank-mediated document handling without a full bank undertaking. A practical walkthrough is here. |
A structured provider should be obsessed with the underwriting memo. It is the difference between “interesting” and “approve.” If you want to see what a lender expects, use the operating logic in the exact process to raise trade finance from lenders.
If your provider cannot explain controls in plain language, they cannot defend your deal in underwriting. Controls are not decorative. They are the basis for advance rates, tenor, reserves, pricing, and approval speed.
You do not “shop” structured commodity finance like a consumer loan. Fees vary because the underlying work varies. A serious provider should help you understand what drives cost: issuer risk, corridor, controls burden, and the level of third-party involvement.
If letters of credit are part of your structure, it helps to understand the main cost buckets and how banks price them. See letter of credit cost drivers for a practical breakdown.
Your provider should be able to describe the sequence from intake to written outcome. Not “we will try.” A real sequence with deliverables, responsible parties, and gating items.
| Stage | What “good” looks like |
|---|---|
| Intake and eligibility | Structured document checklist, trade flow clarity, counterparty screening plan, and a defined facility ask. |
| Packaging | Underwriting memo, controls map, sources and uses, covenant targets, draft term concepts. |
| Submission | Curated lender fit list, tracked submissions, Q&A routing, clean version control on documents. |
| Outcome | Written term sheet or written decline with a reason that can be fixed (structure, controls, counterparties, reporting). |
| Close | KYC/AML cleared, definitive docs executed, control agreements live, operational runbook confirmed. |
Commodity trading files contain pricing, counterparties, routes, and operational playbooks. A provider should run a disciplined intake process, control sharing, and keep communications inside defined channels. Loose process attracts loose outcomes.
Financely is built for files that need to become financeable, fast. We package the mandate into a lender-ready underwriting memo, tighten the controls narrative, and run a managed term sheet process through vetted counterparties. If you are still deciding which structure fits, start with Structured Commodity Finance. If you already have a live trade flow and you can provide core documents, move straight to Contact Us.
Submit your commodity finance request and include your trade flow summary, counterparties, corridor, and facility ask. We will revert with a structured checklist and next steps. If the file is not financeable, you will hear that quickly.
Request A QuoteIt is trade finance tailored to physical commodities, where repayment is tied to a defined trade flow and protected by controls over goods, documents, or receivables. A practical overview is on Financely’s structured commodity finance page.
At minimum: contract chain, counterparties, shipment and inspection plan, document list, sources and uses, and evidence that numbers reconcile. The operating sequence is outlined in this trade finance process guide.
No. An LC is powerful when documents and timing are clean, yet other structures can fit better for repeat flows or borrowing base style monitoring. If you need a refresher, see how documentary LCs work.
Fees reflect risk, controls burden, third-party involvement, corridor friction, and file quality. For LC cost logic specifically, see LC cost drivers.
Disclaimer: This page is for general information only. It does not constitute legal, tax, regulatory, investment, or credit advice and it is not an offer or commitment by Financely or any third party. Financely is not a bank, lender, insurer, surety, broker-dealer, or investment adviser. Any transaction support is provided through vetted counterparties and is subject to eligibility, KYC and AML review, sanctions screening, counterparty risk policy, and execution of definitive agreements.
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.
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request a quote
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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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