We act as arranger. We do not lend our own balance sheet and we do not trade product. Our mandate is to structure bankable import flows for diesel, gasoline, jet, LPG, and fuel oil into African markets, then run a controlled term sheet auction among credible lenders. We focus on short tenor working capital secured by title, storage, and receivables exits. Expect tight controls and straight answers.
| Structure | Use Case | Risk Controls |
|---|---|---|
| UPAS Letter of Credit | Supplier paid at sight by confirming bank, importer repays at usance | UCP600 rules, confirmed LC, controlled title, repayment from assigned collections |
| SBLC-Backed Payment Undertaking | Payment guarantee to back open account or deferred payment with reputable bank risk | Standby from acceptable bank, hard expiry, draw conditions linked to invoice and transport docs |
| Inventory Repo or Title-Transfer Finance | Lender takes title in tank or bonded storage, sells back as offtake pays | Collateral Management Agreement, tank receipts, independent stock monitoring, DvP release |
| Borrowing Base Line on Program Flows | Rolling imports with availability against eligible inventory and receivables | Advance rates with reserves, lockbox, weekly BB certificates, field checks |
| Confirmed Payables Program for OMCs | Distributors get supplier terms funded by bank against assigned proceeds | Assignment of receivables, eligibility rules, concentration caps per dealer |
| Item | Term | Notes |
|---|---|---|
| Facility Type | Transactional STCF or revolving program secured by inventory and receivables | UPAS LC, SBLC-backed terms, or repo mechanics as appropriate |
| Tenor | 30 to 180 days per tranche | Aligned to voyage, discharge, and sell-through |
| Ticket Size | USD 2,000,000 to USD 100,000,000 per shipment or availability block | Larger programs by syndication |
| Advance Rates | Inventory 70% to 85% in tank; receivables 75% to 90% eligible | Reserves for taxes, duties, demurrage, and quality claims |
| Pricing | Floating base rate plus margin. Typical range: Prime + 1.75% to Prime + 3.50% | Interest charged on drawn amounts only. Base index may be Prime or SOFR per lender |
| Fees | Arrangement fee 0.75% to 1.50% to the lender; commitment fee 0 to 0.50% if capacity is reserved | Exact levels set by selected lender |
| Security | Title over goods, pledge of tank receipts or warehouse receipts, assignment of receivables and collection accounts, SBLC or LC as applicable | Collateral Management Agreement with recognized operator or monitor |
| Hedging | Optional price hedging linked to Platts assessments where lender requires it | Hedge documentation ring-fenced to the financed parcel or program |
| Covenants and Reporting | Weekly stock and sales report, borrowing base certificate, compliance with storage and insurance terms | Field checks and reconciliations on request |
| Events of Default | Non-payment, breach of controls, off-spec without cure, sanctions breach, diversion of proceeds | Remedies include stop release, enforcement over title, and sweep of assigned accounts |
| Governing Law | New York or English law for finance documents. Local security perfected where assets sit | Intercreditor where senior liens exist |
| Document | Purpose | Notes |
|---|---|---|
| Import licenses and regulatory permits | Legal eligibility to import and sell | Country specific requirements |
| Storage and throughput agreements | Control over stock and release points | Terminal operator contact and terms |
| Supply contracts and pricing formulae | CFR or FOB terms, Platts link, quality specs | Past shipments if available |
| Offtaker contracts and limits | Exit of financed stock into cash | Top 20 counterparties with terms |
| Insurance cover notes | Cargo and storage risks covered | Banks named as loss payee where required |
| Corporate KYC and sanctions checks | Compliance clearance for all parties and vessels | IDs, beneficial ownership, vessel IMO where applicable |
Example only. 50,000 MT diesel at USD 850 per MT. Cargo value USD 42,500,000. Advance at 85% equals USD 36,125,000. Tenor 90 days. Pricing assumed at Prime + 2.25% with Prime set at 8.50% per annum for illustration, APR 10.75%. Estimated interest cost equals approximately USD 957,560 for the period. Storage, monitoring, and fees are additional. Numbers are indicative and finalized during underwriting.
If you can evidence storage, real offtake, and clean compliance, we can run the process and secure competitive term sheets for your imports.
Request a ProposalWe are an arranger. We are not the lender and not a product supplier. All facilities are subject to lender credit approval, KYC, AML, and sanctions screening, execution of definitive documentation, and perfection of security. No promises on pricing or capacity before underwriting. We do not engage with off-platform side deals or discount schemes.
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.
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 RequestAccess 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 RequestSecure 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 RequestFinancely 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.
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.
Click
here to download our brochure.
