Packing credit is pre-shipment working capital used by exporters to fund sourcing, processing, packing, and logistics before the buyer pays. It is built to turn signed export demand into shipped volume without forcing the exporter to self-fund the full trade cycle.
You have real orders, a credible shipment plan, and margin room, but working capital is the constraint. Pre-shipment finance can bridge procurement through shipment without equity dilution.
Lenders prefer repeatable cycles, stable counterparties, and clean documentation. Clear reporting and control points reduce underwriting friction and avoid disputes when timelines tighten.
| Stage | Exporter Activity | Typical Control Points |
|---|---|---|
| Contract | Signed sales contract or purchase order, shipment window and terms agreed | Buyer review, pricing and margin logic, execution plan |
| Pre-shipment | Supplier sourcing, processing, packaging, inland freight, port readiness | Supplier payments plan, inventory checks, inspections where relevant |
| Shipment | Shipping documents prepared and cargo dispatched per Incoterms | Document checklist, presentation discipline, title and control logic where applicable |
| Collection | Buyer pays at sight or at tenor, proceeds flow through agreed path | Proceeds assignment, controlled account, repayment waterfall |
Underwritten against the export contract and execution capacity. The focus is buyer credibility, realistic production timelines, and monitoring that matches the risk.
Where the export is supported by a Documentary Letter of Credit, the facility can be aligned to LC terms and presentation requirements. This tightens repayment logic when the LC is drafted cleanly and presentation is disciplined.
Pre-shipment finance is not approved on narrative alone. Lenders look for a coherent transaction file, buyer and supplier clarity, and controls that make repayment credible.
Financely focuses on transaction readiness and execution coordination. We prepare lender-ready deal files, tighten documentary flows, and coordinate with regulated banks and private credit providers that offer export working capital solutions. The objective is an approval process grounded in practical controls and realistic repayment mechanics.
No. It can support SMEs and mid-market exporters. The key is execution capacity, document discipline, and controls that make the trade cycle underwritable.
Not always. Some facilities are underwritten against purchase orders and buyer credit. A Documentary Letter of Credit can strengthen certain structures, but it depends on the transaction and the lender.
No. Financely is not a bank or lender. Any facility is provided by regulated counterparties under their own licences, approvals, and documentation.
Submit your export contract or purchase order, shipment schedule, and financials. We will review feasibility, flag gaps that block lender review, and propose the cleanest 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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