Trade finance capacity is often constrained by one simple bottleneck: margin and working capital. Banks can support Letters of Credit, confirmed LCs, and revolving facilities, but they do not issue capacity on goodwill. They issue against credit policy, controls, and cash collateral where required.
Financely helps trading companies, distributors, and asset-backed platforms raise $5 million to $100 million via private placements to support (i) cash margin for bank instrument issuance and (ii) working capital for live trade cycles. We coordinate structuring, investor materials, investor outreach, diligence workflow, and closing coordination. Where regulated distribution activity is required, licensed broker-dealers or investment banks participate.
Many issuing banks require cash collateral or margin to support LC issuance, confirmation, or reimbursement risk. Private placement proceeds can be allocated to a controlled cash collateral account at the issuing bank or through an agreed control structure.
Proceeds can support purchase deposits, logistics costs, inventory build, receivables gaps, and other cash timing needs that sit between supplier payment and buyer collection. The capital must be mapped to the trade cycle and controls, not described as a generic balance sheet plug.
Often used when the objective is stable capacity and margin recycling. Terms typically include governance, reporting, and distribution mechanics, plus restrictions on deployment outside of the approved trade mandate.
Suitable where cashflows and collateral controls support a debt framework. Terms often include borrowing base concepts, reserves, concentration limits, and default triggers.
Investors funding trade finance capacity will ask the same questions banks ask. If these topics are vague, the raise slows down or prices widen. We coordinate a facility-grade framework that can stand up to institutional diligence.
| Facility Topic | What Needs To Be Defined |
|---|---|
| Permitted Trade Flows | Commodities or products, jurisdictions, buyer and supplier approval rules, Incoterms basis, and documentary set assumptions. |
| Controls And Collateral | Cash collateral accounts, account control agreements, collateral management where relevant, title and release mechanics, insurance alignment. |
| Borrowing Base Logic | Eligibility for receivables and inventory, advance rates, reserves, dilution and concentration limits, ineligibles and carve-outs. |
| LC Program Mechanics | Issuing bank parameters, margin percentage ranges, approval workflow, issuance and amendment process, reimbursement terms. |
| Reporting And Monitoring | Trade reporting cadence, KYT mapping where required, shipment and document tracking, covenant testing, and exception escalation. |
| Events Of Default | Payment defaults, misrepresentation, covenant breaches, sanctions issues, document fraud indicators, and loss of control triggers. |
The correct framework depends on jurisdiction, investor type, and marketing plan. Common market pathways include Regulation D offerings in the United States (often Rule 506(b) or 506(c)), and cross-border approaches such as Regulation S for offshore offers. Counsel should confirm the final structure.
We review trade flows, counterparties, jurisdictions, operational capacity, and the requested facility design. The output is a realistic capacity plan and a list of execution conditions.
We design the capital structure, use-of-proceeds controls, cash waterfall, reporting cadence, and the bank-facing LC margin and issuance pathway.
We coordinate the investor pack: term sheet, model, disclosures, diligence index, and a workflow that supports fast, repeatable diligence.
We approach a targeted investor set aligned to trade finance risk policy and appetite, then manage Q&A, diligence calls, and term alignment.
We coordinate the closing checklist with counsel and administrators. Where regulated placement execution is required, licensed broker-dealers or investment banks participate.
We set the operational cadence: reporting, covenant testing, exception handling, and margin recycling rules so the program operates under control post-close.
Yes, in many structures proceeds can be allocated to cash collateral or margin accounts, subject to investor disclosures, bank policy, and documented control arrangements. The key is defining release triggers, reporting, and reuse rules.
No. Trade finance facilities can support importers, distributors, manufacturers, and asset-backed trading platforms. The investor and bank requirements are driven by the trade cycle, counterparty profile, and controls, not the product category alone.
No. Banks issue Letters of Credit under their own policies. Financely coordinates structuring, placement support, and execution workflow through regulated counterparties.
We focus on $5 million to $100 million issuances. That range supports meaningful margin capacity and working capital without drifting into structures designed only for very large institutions.
Unverifiable counterparties, unclear use-of-proceeds controls, weak reporting capability, and documents that do not match operational reality. The fastest raises start with stable trade flows, clean documentation, and one accountable decision maker.
When regulated distribution activity is required, licensed broker-dealers or investment banks participate. Financely coordinates the end-to-end workflow so execution stays controlled and compliant.
If you have a live trade program and need margin capacity for LC issuance and working capital, submit your deal summary. Include products, corridors, counterparties, target facility size, and your expected monthly trade cadence.
Request A QuoteDisclaimer: 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 solicitation. Financely is not a broker-dealer, investment adviser, or bank. Any securities offering requires legal counsel, appropriate investor qualification, and executed documentation. Any bank instrument is issued solely by regulated banks under their own approvals and policies. All matters are subject to eligibility, KYC and AML review, sanctions screening, and counterparty policy.
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.
Click
here to download our brochure.
