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.
Trade Finance
Oil and refined product trades move fast, break easily, and get expensive when paperwork or compliance is sloppy. Financely structures lender-ready petroleum trade files, runs targeted lender outreach, and manages the term sheet and closing workflow through funding.
If you want baseline context on trade structures, start with trade finance fundamentals and common trade finance instruments. To engage, review How It Works and submit via Request A Quote.
This mandate is built for post-revenue commodity traders, distributors, marketers, bunkering operators, and logistics-linked operators who need repeatable funding for purchase and sale contracts, inventory cycles, and receivable conversion. We focus on files that can be underwritten and executed through regulated channels, with clean ownership, clean counterparties, and a real audit trail.
These trades are document and title heavy. Funding terms depend on counterparties, vessel terms, inspection protocol, and control structure.
Refinery origin, specifications, claims history, and loading terminal controls matter as much as the price.
These trades can require tighter operational diligence, terminal alignment, and stronger sponsor profiles.
Many lenders prefer repeatable domestic cycles with strong buyers and tight assignment and control mechanics.
Trade routes are not just geography. They drive vessel risk, sanctions exposure, delivery timing, documentation norms, and who can take title. The same product can be bankable in one lane and unfinanceable in another.
| Route or lane | Typical flows | Financing pressure points |
|---|---|---|
| Middle East to Asia | Crude and refined products into Asia trading hubs and end markets | Sanctions screening, vessel and ownership checks, inspection protocol, payment timing under CIF or FOB |
| US Gulf Coast to Europe and LatAm | Diesel, gasoline, jet, and feedstocks | Counterparty credit, terminal controls, demurrage risk, receivable takeout and assignment |
| West Africa to Europe and Asia | Crude and products depending on origin and buyer | Title chain, documentary consistency, compliance sensitivity, and risk controls around prepayment |
| North Sea and Mediterranean | Crude, products, blending, storage, and short-sea distribution | Storage receipts, inventory monitoring, blending risk, and collateral control at terminals |
| ARA and European hubs | Rotterdam and surrounding storage and distribution markets | Warehouse and terminal receipt standards, borrowing base reporting, and insured inventory controls |
| Asia hubs | Singapore and surrounding lanes, plus regional redistribution | Credit terms, bunkering exposure, quality and claims management, and documentary timing |
Bunkering is a working capital business with tight margins, fast turnarounds, and real dispute risk. Funding needs usually sit around inventory purchase, barge and terminal drawdowns, and receivable collection from shipowners, charterers, and operators.
Oil and gas trade finance is not a single product. It is a toolkit. The right structure depends on who holds title, where goods sit, and how cash converts.
Revolving facilities sized to eligible inventory and receivables, with advance rates, concentration limits, and reporting. These structures work best when inventory is controlled and receivables are from credible buyers.
Facilities against invoices and contracted cash flows, with clear documentary delivery and acceptance mechanics. Often used for distribution and repeatable supply flows.
Used when the buyer or a financier prepays for product, backed by controls, documents, and credit support. Terms can be tight because the risk sits in delivery and performance.
For larger, repeatable trade flows, lenders may support committed revolving credit facilities and, at scale, multi-lender syndicates. These require mature reporting, strong governance, and clean compliance posture.
Petroleum trades still rely heavily on documentary instruments because they reduce performance and payment risk across borders. A documentary letter of credit supports primary payment against shipping documents. A standby letter of credit supports performance or payment as a backstop.
Used for payment against compliant document presentation. If you need a quick primer on trade mechanics, see trade finance fundamentals.
For liquidity against LC flows, review letter of credit discounting.
Used as credit support when suppliers, terminal operators, or counterparties need comfort. If you need the full context, see our SBLC guide and the comparison SBLC vs bank guarantee.
Practical rule: instruments help only when the underlying deal is clean. If the contract, documents, and counterparties are messy, an LC or SBLC does not fix it.
Lenders in petroleum look past the story and focus on controls. They want a file where money, documents, and title line up. Here is what drives approvals.
Every lender has its own checklist, but these are the non-negotiables for most oil and petroleum trade files.
| Category | Examples of required items | Why it matters |
|---|---|---|
| Corporate and ownership | Company docs, UBO disclosure, signatory list, audited or management financials | KYC, governance, and credit accountability |
| Trade contracts | SPA, offtake agreements, buyer and seller terms, Incoterms, payment terms | Defines obligation, title, and cash flow timing |
| Logistics and shipment | Charterparty highlights or logistics plan, laycan, load and discharge terms | Execution risk and delivery timing, demurrage exposure |
| Documents and inspection | B/L, COQ and COA, inspection protocol, terminal receipts where relevant | Triggers payment and reduces quality and quantity disputes |
| Insurance | Cargo insurance, liability coverage where required, claims process | Protects downside when things go wrong |
| Compliance | Counterparty screening, vessel screening, source and use narrative, end-use statement | Required for any regulated funding decision |
Speed comes from preparation. If you have the contracts, KYC pack, and trade mechanics clean, the process moves. If the file is missing basics, lenders stall quickly.
| Phase | What we do | Typical timing |
|---|---|---|
| Fit screen and checklist | Confirm structure options, ticket size logic, and compliance feasibility. Issue a document request list. | 48 to 72 hours after intake |
| Underwrite and package | Build the lender package, map the trade cycle, define controls, and tighten documents and narrative. | 5 to 12 business days |
| Lender outreach | Targeted outreach to matched credit funds and specialty lenders. Collect term indications and feedback. | 1 to 3 weeks |
| Term sheets and diligence | Negotiate economics, covenants, collateral, and monitoring. Coordinate diligence and legal scope. | 2 to 6 weeks |
| Closing and funding | Execute documents, perfect security where applicable, set controls, then fund and manage draws. | 1 to 3 weeks |
Sometimes. Spot trades can be financeable when counterparties, documents, controls, and settlement mechanics are clean. Repeatable flows with a track record are easier to place.
Yes, in cases where the file supports receivable discipline, claims controls, buyer verification, and reporting. The structure often starts smaller and scales with performance and monitoring.
A transaction facility is usually trade-by-trade, tied to a specific shipment or contract. An RCF is a revolving line used across multiple cycles, usually with borrowing base reporting, covenants, and monitoring.
LCs fit primary payment against documents. SBLCs fit credit support, performance support, or backstopping payment obligations. Both require bankable underlying contracts and disciplined documentary conditions.
No. Financely acts as an arranger and advisor. We do not custody client funds. Funding, issuance, and settlement occur through regulated banks and regulated firms under their own approvals.
If you trade crude, refined products, or marine fuels and need real financing, start with a clean submission. Share your trade profile, counterparties, contract terms, and your KYC pack. We will structure the file, run lender outreach, and manage the workflow through term sheet and closing.
Review How It Works , then submit via Request A Quote or reach us through Contact Us.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank and does not custody client funds. Any engagement is subject to diligence, compliance screening including KYC, AML, and sanctions, lender and counterparty approvals, and definitive documentation. Where regulated execution is required, delivery is coordinated through appropriately licensed firms under their own approvals.
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.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
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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