If you’ve ever searched for “cash flow mismatch trade finance,” “trade finance cash gap solutions,” or “working capital solutions for exporters,” you know the frustration of financing shipments long before payment arrives. This gap—often called the trade finance cash gap—can force you into high-cost discounting or tie up precious collateral. Below, we share proven working capital strategies that educate you on bridge finance for importers, invoice factoring for exporters, and structured facilities to close your cash-flow mismatch and drive growth.
A bridge loan in trade finance bridges the cash-flow mismatch by advancing 70–80% of your receivables or inventory value for 30–180 days. You draw funds on shipment, then repay when the buyer settles a Letter of Credit or open-account invoice. Searching “bridge finance for importers” or “short tenor trade finance loan” will reveal providers that price these lines at 3%–7% per annum plus an upfront fee—often cheaper than continuous overdraft costs.
Selling your invoices—whether those under documentary LCs or open-account terms—unlocks cash in as little as 7–14 days. Banks or factors buy at 90–95% of face value, charging 1.5%–3%. Companies hunting “invoice factoring for exports” or “discount my trade receivables” can compare offers based on buyer credit and volume. This solution directly tackles the typical working capital crunch that exporters face.
Supply chain finance (SCF) platforms let you accelerate payables without collateral. Once buyers approve your invoices, you get paid early at competitive discount rates, while they extend payment by 30–120 days. Search “supply chain finance solutions” or “dynamic discounting for SMB,” and you’ll find programs that ease your working capital pressure and eliminate the trade finance cash gap on both sides of the ledger.
With inventory financing, lenders advance against warehouse receipts—typically 60–75% of your goods’ value. This is ideal when materials or finished stock sit in bonded or third-party warehouses. Look up “warehouse receipt financing” or “inventory financing trade finance” to find partners that integrate title verification and cargo insurance into the draw mechanics, reducing your need to pre-fund raw materials.
For high-volume or complex needs, a structured working-capital facility bundles bridge loans, receivables securitization and receivables financing into one line. Search “structured trade finance” or “trade finance working capital line” to see how Financely designs these bespoke solutions, layering collateral assignments, credit insurance and FX hedges to eliminate your cash-flow mismatch for good.
| Solution | Tenor | Advance Rate / Cost | Search Keywords |
|---|---|---|---|
| Bridge Loan | 30–180 days | 70–80% / 3–7% p.a. | bridge finance for importers |
| Receivables Discounting | 7–14 days | 90–95% / 1.5–3% | invoice factoring for exports |
| Supply Chain Finance | 30–120 days | Dynamic | supply chain finance solutions |
| Warehouse Receipt | 30–90 days | 60–75% / 4–8% p.a. | warehouse receipt financing |
| Structured WC Facility | Custom | Negotiated | structured trade finance |
Fluctuating currencies can widen your trade finance cash gap. Lock in forward-currency contracts or option collars for payables, and secure trade credit insurance on receivables. Queries like “currency risk in trade finance” or “trade credit insurance” will guide you to specialists who layer these protections into your working capital structure.
Ready to close your trade finance cash gap? Financely underwrites, structures and distributes bespoke working capital solutions that plug your cash-flow mismatch so you can ship confidently and grow.
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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.
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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.
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