Trade And Working Capital
Supply Chain Finance Programme Buildout
Most supply chain finance ideas fail because they stop at funding conversations. Lenders want a governed programme with eligibility logic, controls, reporting, and enforceable documentation.
Financely designs and builds lender-grade supply chain finance programmes that banks, private credit funds, and institutional investors can actually underwrite.
What We Build
A supply chain finance programme is not a single facility. It is an operating framework that turns receivables and payables into repeatable, controlled liquidity.
We design the full programme architecture, then position it for bank onboarding and investor distribution.
Programme Architecture
- Borrower and counterparty structure, including SPV where required
- Programme scope covering receivables, payables, or hybrid models
- Jurisdiction, governing law, and enforcement logic
Eligibility And Credit Rules
- Receivables eligibility schedules and concentration limits
- Dilution, dispute, and credit note treatment
- Approved buyer lists and payment behavior analysis
Controls And Cash Flow
- Account control and collection mechanics
- Cash application and priority of payments
- Reporting cadence aligned to buyer payment cycles
Bank And Investor Readiness
- Lender-ready programme memo and submission pack
- Risk narrative aligned to bank credit committees
- Distribution to matched lenders via our platform
Why Lenders Reject Most Supply Chain Finance Proposals
Rejections usually have nothing to do with pricing. They stem from weak controls, unclear eligibility, and poor documentation.
We fix those issues before your programme ever reaches a lender.
| Common Issue |
Why It Fails |
How We Address It |
| Undefined Receivables Pool |
Lenders cannot model risk or advance rates |
Clear eligibility schedules and reserves |
| Buyer Concentration |
Single obligor risk dominates the programme |
Limits, carve-outs, or anchor buyer structuring |
| Weak Collections Control |
Cash leakage and enforcement risk |
Controlled accounts and assignment mechanics |
| Poor Reporting |
No visibility into dilution and disputes |
Standardised reporting and verification |
Who This Is For
This service is designed for operating companies and platforms that want a scalable working capital solution, not a one-off facility.
Typical Clients
- Manufacturers with extended buyer payment terms
- Distributors managing multiple suppliers and buyers
- Trade platforms seeking repeatable funding lines
Not A Fit
- Early-stage or pre-revenue companies
- One-off invoice discounting requests
- Situations requiring guaranteed funding
How Financely Executes
We act as a structuring and decisioning partner. We build the programme, align it to lender criteria, and manage distribution.
Execution requiring licensing is coordinated through appropriately licensed partners under their approvals.
Request A Quote
If you want a supply chain finance programme that lenders will underwrite, start with a proper buildout.
Submit your trade flow, buyer list, and sample invoices, and we will revert with a scoped proposal.
FAQ
Is This The Same As Invoice Discounting?
No. Invoice discounting is a product. A supply chain finance programme is a governed framework that can support multiple funding sources over time.
Do You Provide The Capital?
No. Financely structures and distributes. Capital is provided by banks and private credit funds subject to their approvals.
Can This Work Across Multiple Countries?
Yes, subject to legal enforceability, collections mechanics, and buyer credit quality in each jurisdiction.
How Long Does A Buildout Take?
Initial structuring typically takes several weeks, followed by lender decisioning once the package is complete.
Important:
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice.
Financely is not a bank, not a broker-dealer, and not a direct lender.
All engagements are subject to diligence, KYB, KYC, AML, sanctions screening, lender criteria, and definitive documentation.
Financely does not promise approvals or funding.