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Advance fees can be normal in real commodity trades. Learn how pre-financing works, what costs are legitimate, and how to spot non-bankable requests.
“Advance fees” is one of the most abused phrases in commodities. Scammers use it to extract money. Amateur buyers use it as an excuse to avoid paying for real work. Serious traders treat it as normal, because physical commodity flows are capital-intensive and time-sensitive.
The reality is simple: in legitimate commodity trading, money moves before everything is perfect. Producers need working capital. Traders secure supply with prepayments. Banks and non-bank lenders charge real third-party costs to underwrite and control risk. None of this is sentimental. It is how the supply chain functions.
Key distinction: a legitimate advance payment is tied to a defined deliverable, a controlled funds flow, and a verifiable counterparty. Fraud uses vague promises, changing stories, and pressure to pay into accounts with no enforceable recourse.
This is pre-financing. A buyer or trader advances funds against future delivery to secure allocation, fund production, or finance procurement. It is common in energy, metals, and agricultural supply chains when timing matters.
These are diligence and execution costs: inspection, collateral management, legal documentation, KYC and AML checks, escrow mechanics, shipping and storage arrangements, or bank charges tied to an LC or guarantee structure.
Fraud is when payment is requested without a bankable deliverable, without a controlled process, and without a credible route to enforce performance. The pitch leans on urgency and fantasy economics.
Online “buyers” often want institutional outcomes while refusing institutional discipline. If you want someone to allocate balance sheet, ship goods, or put their name on documents, you should expect real costs and real controls.
Physical commodity trading is a working-capital business. Inventory must be sourced, stored, insured, moved, and sold. That requires financing. In many flows, the commodity is not sitting idle waiting for a buyer with a perfect story. It is contracted, hedged, pledged, assigned, or otherwise controlled as part of the financing chain.
Pre-financing exists because it solves real problems:
| Cost Type | What It Pays For | Who It Should Be Paid To | What Makes It Bankable |
|---|---|---|---|
| Inspection and assay | Independent verification of quantity and quality before title and payment release. | Named inspection firms (or directly invoiced providers). | Formal appointment, scope, and deliverable report tied to shipment lots. |
| Collateral management | Warehouse controls, release mechanics, seals, stock reporting, and audit trail. | Independent collateral manager or warehouse under contract. | Receipts, reporting, controlled release, and lender step-in rights. |
| Legal and documentation | Sale contracts, security documents, assignment of proceeds, and enforceable dispute venue. | Law firms, escrow agents, or clearly mandated counsel. | Defined governing law, signatories verified, and enforceable remedies. |
| Bank charges and issuance fees | LC opening, confirmation, SWIFT charges, guarantee issuance or amendments. | Issuing bank or confirming bank, per invoice or fee schedule. | Formal term sheet and conditions precedent, with bank-issued references. |
| Prepayment for supply | Working capital advanced against future delivery under an offtake or supply agreement. | Producer or seller entity listed in definitive documents, often through escrow. | Title and proceeds controls, repayment waterfall, and verified operational capacity. |
Fraud is disproportionately concentrated in the “internet deal” zone: huge quantities, extreme discounts, anonymous principals, and documents that look plausible until you test them. This is not how institutional commodity trading sources or sells material.
A serious trade does not rely on vibes. It relies on controls. If you want to pay anything in advance, enforce these mechanics:
Both exist. The mistake is treating them as the same thing.
If you are new to commodities and you are shopping for unrealistic discounts on giant volumes, you are the ideal fraud target. That is not moral judgment. It is pattern recognition. Real desks price risk, require documentation, and fund through controlled structures. If you cannot meet that standard, you are not ready to trade.
Financely is an advisory firm. We do not sell “offers” and we do not ask you to wire money into unverified black boxes. We underwrite the transaction, define the bankable structure, map the controls, and introduce you to regulated or institutional counterparties where a real execution path exists.
If you have a real commodity flow and you want a bankable structure, submit the deal. Share the counterparties, product, volumes, Incoterms, timeline, and the documents you actually have. We will respond with a clear next-step checklist and the engagement option aligned to your transaction.
Request An Indicative Term SheetDisclaimer: This page is for general information only. It does not constitute legal, tax, regulatory, investment, or credit advice and it is not an offer or commitment by Financely or any third party to provide financing. Financely is not a bank or lender. Any transaction is subject to underwriting, borrower and counterparty eligibility, KYC and AML review, sanctions screening, third-party reports, definitive documentation, and closing conditions. No assurance is given that financing will be available or that any transaction will close.
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.
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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.
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Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
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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.
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