Non-Bank Trade Finance Options for U.S. Small and Mid-Sized Businesses
Non-Bank Trade Finance Options for U.S. Small and Mid-Sized Businesses
If you're a small or mid-sized business in the U.S. trying to finance trade deals, you’ve probably heard the same thing from your bank: “Come back when you’re bigger.” But that doesn’t help you close the contract, pay the supplier, or ship the goods. The reality is, more and more SMEs are funding deals through non-bank trade finance—because private capital moves faster, underwrites smarter, and doesn’t require you to mortgage the company to get a facility.
Why Banks Are Failing U.S. SMEs
Banks want perfect paperwork, long operating histories, and low-risk profiles. But most U.S. small and mid-sized companies don’t have that luxury. They’re growing, expanding, testing new suppliers and customers. And in a global trade environment moving at full speed, delays cost real money.
Private trade finance funds step in where banks pull back. They underwrite specific deals—inventory shipments, export contracts, supplier orders—not just your general credit score.
Top Non-Bank Trade Finance Solutions Available to U.S. SMEs
At Financely, we structure and place trade finance deals for growing U.S. businesses every week. Some of the most effective private funding options include:
- Purchase Order Financing: Capital to pay suppliers directly before receiving buyer payment.
- Receivables Financing: Turn outstanding invoices into cash without waiting 30, 60, or 90 days.
- Inventory Finance: Fund goods in storage or transit secured by bills of lading or warehouse receipts.
- Contract-Based Finance: Fund shipment or production based on a signed buyer agreement.
None of these require full cash collateral. All of them focus on the trade deal itself—not just your company balance sheet.
What You Need to Qualify for Private Trade Finance
You don’t need audited financials or a Fortune 500 buyer. You need a real deal. Most trade finance desks will approve deals if you provide:
- A clean purchase order or contract with shipment terms
- A known supplier or buyer with verifiable track record
- Shipment or delivery documentation (or production schedule)
- Clarity on exit terms: invoice payment, delivery, or buyer acceptance
If your deal has documentation, timing, and money flow that can be traced, we can get it in front of real capital sources.
Need Non-Bank Trade Finance for Your SME?
Submit your deal to Financely. We'll review the structure, clean up what’s missing, and match it with private trade finance investors ready to fund U.S.-based small and mid-sized businesses today.
Submit Your Deal Book a ConsultationWho We Help
Private trade finance options are especially valuable for:
- U.S. manufacturers expanding into export markets
- Importers purchasing inventory from Asia, LATAM, or Europe
- Wholesalers supplying big-box or B2B clients
- Amazon and e-commerce sellers scaling inventory volumes
- Distributors needing liquidity while waiting for buyer payments
Deal sizes from $250K to $10M+ are being funded now based on contract structure and counterparty risk—not just size.
The Bottom Line for U.S. SMEs
If your business has real customers, real products, and real momentum—but banks are holding you back—there are private capital options that actually get deals funded. Financely structures and places non-bank trade finance transactions for U.S. small and mid-sized businesses every week. Bring us the deal. We’ll bring you a way to fund it.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestProject Finance
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestAcquisitions
Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
