Structured Finance: Turn Complex Assets into Straightforward Cash

1 Overview

Banks love neat boxes. Your business probably does not fit one. Maybe your revenue swings with commodity cycles or your receivables stretch past ninety days. Standard loans slam the door or charge a wallet-crushing margin. Structured finance rewrites the playbook by carving risk into slices that match different pockets of money. You walk away with funding that tracks the reality of your cash flow instead of someone else’s risk template.

2 What Is Structured Finance?

At its core, structured finance is the art of creating a ring-fenced vehicle—often a special-purpose company—that owns specific assets or future payments. Those assets throw off cash. We package the rights to that cash into notes or loan tranches and place them with investors whose risk appetite lines up with each slice. Think of it as tailoring a suit rather than buying off the rack. Common building blocks include receivables securitisation, supply-chain monetisation, equipment lease paper, project cash-flow notes and inventory repos. Each block serves a job: longer tenor, larger advance rate, lighter covenants or off-balance-sheet treatment.

3 Why Clients Reach for It

• Cash-strained growth: unlock up to 85 % of receivables instead of waiting three months for buyers to pay.
• Project build-out: match funding tenor to a ten-year power-purchase agreement rather than a three-year corporate facility.
• Refinance pinch: switch floating bank debt for fixed-coupon notes that ride below your senior covenants.
• Equity release: pull capital out of mature assets without selling the crown jewels.

4 Our Toolbox

Instrument	Collateral Base	Typical Advance Rate	Ideal Investor Pool
Receivables-Backed Notes	Trade invoices 30-180 days	70 - 85 % of invoice face	Money-market funds, regional banks
Inventory Repo	LME-deliverable metals, listed grains	60 - 80 % of market value	Commodity desks, hedge funds
Equipment Lease Securitisation	Seasoned leases with 24-48 months left	75 - 90 % of net present value	Pension funds, insurers
Project Cash-Flow Bonds	Contracted power or offtake revenue	65 - 80 % of NPV	Infra funds, multilateral lenders
Whole-Business Securitisation	Franchise royalties, license fees	60 - 75 % of EBITDA	Asset managers, private credit platforms

5 Deal Flow in Plain English

Day 1-10 — Scoping: You show us asset pools and historical performance. We agree a mandate and a rough funding target.
Day 11-40 — Structuring: Lawyers craft the vehicle. Rating agencies, if required, model each tranche.
Day 41-60 — Placement: We run a short-list auction among lenders and investors. You pick the best term sheet.
Day 61-75 — Execution: Docs sign, collateral drops in, funds hit your operating account.
Timelines shift with complexity. Car dealer receivables wrap faster than a greenfield refinery.

6 Case Snapshots

• LatAm copper trader: USD 120 m revolving repo against bonded concentrate. Margin savings vs prior warehouse loan: 310 bps.
• Northern European SaaS group: EUR 40 m whole-business securitisation. Doubled leverage without a share sale.
• West African solar IPP: USD 65 m project cash-flow bond matched to a 15-year offtake. Cut sponsor equity wait time by 26 months.

7 How We Protect You

• Independent collateral audits—our fee structure gives us zero incentive to overstate value.
• Stress scenarios baked into every model so coupon and principal still clear when bad months hit.
• Multi-step investor screening. No fly-by-night funds that vanish when spreads widen.
• Transparent fee sheet. You see every dollar that moves.

8 Why Financely

The team has closed more than USD 9 billion across ABS, repos and project notes from 2020-2025. We have walked away from deals when risk could not be pinned down. That attitude keeps our repeat-client ratio above 80 %. You get blunt advice, battle-tested structures and access to lenders who actually sign.

9 Get Started

Need to raise capital that matches the quirks of your business? Send us the asset tape or cash-flow model. We will tell you within forty-eight hours if structured finance can deliver the number you need—or if a plain vanilla loan will save you time.

Figures and timelines reflect Financely Group transaction records 2020-2025. All funding remains subject to due diligence, market conditions and credit-committee approval.