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.

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

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

1. 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.
2. Underwriting file. We build the borrowing base model, covenant set, intercreditor needs, and a lender pack that stands up to credit committee.
3. 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.
4. Term sheet and closing. We negotiate pricing, reserves, borrowing base language, audit cadence, and reporting. We project-manage documents through to first draw.

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

What lenders will ask for

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.