Trade receivables are often a company’s largest current asset — but until collected, they lock up liquidity. Receivables securitization converts those invoices into tradable securities, allowing corporates to raise funding directly from capital markets. Unlike factoring, which is bilateral, securitization aggregates receivables into a Special Purpose Vehicle (SPV) and issues notes to investors. The result is scalable, flexible, and cost-competitive access to liquidity.
By securitizing receivables, companies gain access to cash almost immediately after invoicing. Investors advance against diversified pools of receivables, reducing dependency on slow collections. Unlike revolving bank lines capped by balance sheet covenants, securitization scales naturally with sales growth, since more receivables translate into a larger pool to finance.
Because the securitization is backed by diversified receivables portfolios and often credit-enhanced, investors accept lower yields compared to unsecured corporate borrowing. For investment-grade sellers, effective funding rates can fall below bank credit spreads, creating tangible savings.
In many structures, receivables are sold to an SPV, transferring credit risk and de-recognizing assets from the balance sheet. This frees up capacity for other financing, improves leverage metrics, and can enhance credit ratings. Even when on-balance sheet, securitization often reduces weighted average cost of capital (WACC).
Reliance on a single relationship bank creates vulnerability. Receivables securitization taps institutional investors — pension funds, insurance companies, asset managers — providing a stable alternative to bank credit and reducing refinancing risk.
By monetizing receivables earlier, companies shorten their Days Sales Outstanding (DSO) and strengthen cash conversion cycles. This directly improves liquidity ratios and can support higher supplier discounts or investment in growth initiatives.
Receivables securitization is not just beneficial for corporates. For investors, it offers exposure to short-dated, diversified credit risk with predictable cash flows. That investor demand supports competitive pricing and makes the market deep enough for repeat issuers.
Financely advises corporates on structuring trade receivables securitization programs, arranging investor commitments, and optimizing balance sheet impact.
Contact UsFinancely acts as an arranger and advisor. All securitization programs are subject to legal structuring, accounting treatment, investor demand, and compliance requirements. Past performance does not guarantee future results.
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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.
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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.
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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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