Revolving Working Capital Credit Facilities for U.S. Exporters
We arrange revolving credit lines that convert export receivables and eligible inventory into dependable working capital. You get an asset-based facility with clear controls, lender-standard reporting, and a path to increase availability as sales grow. We handle structuring, underwriting, and distribution to lenders that actually close.
Straight talk:
if you can evidence clean receivables, traceable inventory, and repeat exports, we can package a borrowing base that supports a revolving line. No drama. No vague promises.
What you get
- Facility type:
revolving ABL against export A/R and eligible inventory. Purchase order add-on if needed.
- Use of proceeds:
production, freight, supplier terms, duty, and general working capital tied to export orders.
- Tenor:
12 to 36 months with automatic renewals subject to performance.
- Pricing:
spread over SOFR or Base Rate, commitment fee, and unused line fee. Final terms set by credit outcome.
- Optional support:
U.S. EXIM Working Capital Guarantee Program to expand availability on foreign A/R, where eligible.
Borrowing base, at a glance
| Collateral |
Typical advance |
Key exclusions |
| Export A/R |
70% to 90% based on buyer quality and terms |
Contra, intercompany, disputes, past-due beyond aging cap |
| Inventory |
30% to 65% on finished goods and raw materials |
Obsolete, consignment, work-in-process except where carved out |
| PO finance add-on |
Case by case with takeout via A/R availability |
Unconfirmed orders, buyers in restricted markets |
Availability equals the lower of the borrowing base or the committed line, less reserves. Lenders may require dominion of funds and a lockbox with a deposit account control agreement.
How we work
- Screening call and data room. We map the collateral, buyers, seasonality, and shipment terms. You upload AR agings, inventory reports, contracts, bank statements, tax returns, and management accounts.
- Underwriting file. We build the borrowing base model, covenant set, intercreditor needs, and a lender pack that stands up to credit committee.
- Distribution. We run a targeted process to asset-based lenders and specialty banks with export appetite. We are chaperoned and operate with forward flow relationships.
- Term sheet and closing. We negotiate pricing, reserves, borrowing base language, audit cadence, and reporting. We project-manage documents through to first draw.
Ready to raise a revolving line
Share your last 12 months of AR agings, inventory reports, customer concentrations, and the facility size you want. We will confirm feasibility and next steps.
Request a Proposal
Eligibility
- U.S.-domiciled exporter with recurring foreign sales
- Post-revenue with clean AR and auditable inventory
- EBITDA positive preferred or a clear line of sight to profitability
- Compliance with U.S. sanctions and trade controls
- Minimum requested line: USD 5 million
Security and covenants
- First-priority lien on receivables and inventory
- Lockbox and DACA, cash dominion where required
- Borrowing base certificates on a set cadence
- Inventory and field exams per year, plus spot checks
- Reporting: AR aging, inventory roll-forward, sales by customer, borrowing base analysis
Timeline
- Week 1 to 2: data room, modeling, and first lender feedback
- Week 3 to 5: term sheet, diligence, legal documentation
- Week 5 to 7: closing and first draw, subject to readiness
Commercial terms
Retainer
USD 15,000–25,000
Payable at mandate for underwriting and distribution.
Placement fee
2% of funded proceeds
Payable at closing. Success-based.
Minimum facility
USD 5,000,000
Start the Mandate
What lenders will ask for
| Item |
Detail |
| Financials |
3 years historical, YTD, projections, covenant model |
| AR and inventory |
Aging by customer, top buyers, concentrations, inventory detail and roll-forward |
| Trade docs |
Sales contracts, POs, INCOTERMS, freight, insurance certificates |
| Bank info |
Account statements, existing liens, intercreditor needs |
| Compliance |
KYC, sanctions screening, export controls |
FAQ
Can foreign A/R be included
Yes, subject to buyer quality, jurisdiction, credit support, and in some cases EXIM WCGP.
Do you work with seasonal exporters
Yes. We set reporting cadence and reserves to handle seasonality without constant amendments.
What if we have an existing term loan
We negotiate intercreditor terms so the revolver can sit alongside your senior debt.
Can letters of credit be issued
Many lenders will issue LCs under the facility. We include this in the structure if needed.
How fast can this close
Files with clean data, audited financials, and responsive teams close faster. See the timeline above.
Financely Group acts as an arranger. Facilities are provided by regulated lenders. Engagements are on a best-efforts basis. We only serve post-revenue companies and prefer EBITDA of $10 million or more. We do not entertain guaranteed offers, unsolicited cold promises, or crypto payments via unofficial channels.