Financely / Trade Finance Advisory & Placement
Suppliers want payment before your customers pay you. Financely helps structure the financing between those two dates.
We prepare trade finance transactions for lender review and manage outreach for importers, exporters, distributors and commodity businesses. The work starts with your contracts, trading cycle and repayment source.
Submit Your TransactionPaid advisory services for established businesses with a defined financing requirement. An advisory budget is required.
Choose the part of your trade cycle that needs financing
Select a facility type below. A transaction may need funding at several stages, from paying the supplier to collecting the final customer invoice.
Import and letter of credit financing
Assess how to meet supplier payment requirements while allowing time for shipment, delivery and resale. The structure may involve a documentary credit, deferred payment terms or a funded import facility.
Your supplier requires a bank payment undertaking or payment before your business can collect the proceeds of the sale.
Purchase and sales contracts, payment terms, issuing-bank requirements, cash margin, shipping documents and the source of repayment.
A letter of credit is a payment undertaking, not automatically a cash loan. Issuance and any associated financing require separate credit approval and agreed terms.
Receivables finance and invoice factoring
Assess funding against eligible customer invoices so your business can use part of the receivable value before the customer pays.
You have delivered goods or completed eligible services, but customer payment terms are holding back working capital.
Debtor quality, invoice aging, delivery evidence, disputes, credit notes, customer concentration and the collection arrangements.
Advance rates, reserves and recourse depend on the facility. Disputed, overdue or otherwise ineligible invoices may be excluded.
Inventory and borrowing-base finance
Structure working capital against eligible stock, potentially alongside receivables, with availability linked to verified asset values and agreed controls.
Capital is tied up in saleable inventory between procurement and customer delivery, and you can document ownership, location and stock movements.
Stock quality, turnover, valuation, warehouse arrangements, insurance, existing liens, price exposure and the practical ability to control or sell the goods.
A stock list or warehouse receipt alone does not establish financing eligibility. Title, control and realizable value must support the credit case.
Purchase order finance
Assess transaction funding to pay suppliers against a qualifying customer order, with repayment tied to delivery and collection of the resulting sale.
You have an identifiable buyer and an executable order, but insufficient working capital to pay the supplier and fulfill the transaction.
Buyer credit, cancellation rights, supplier reliability, delivery obligations, gross margin and the full cost of financing the order.
A purchase order is not sufficient on its own. The transaction must withstand review of performance risk, payment risk and the margin remaining after all costs.
Pre-export and pre-shipment finance
Assess financing for eligible procurement, production or shipment costs against a documented export transaction and an identifiable repayment source.
Your business must incur costs before shipment or buyer payment and has the operational capacity to meet the export contract.
Production capacity, supplier inputs, buyer or offtaker obligations, export documentation, logistics, country exposure and control of export proceeds.
Financing must account for the risk that goods are delayed, fail specifications or are not accepted by the buyer.
Payables and supplier finance
Assess a program that allows eligible suppliers to receive earlier payment while the buyer settles under the agreed financing terms.
You have recurring procurement, identifiable suppliers and a reliable process for approving invoices and confirming payment obligations.
Buyer credit, invoice approval, supplier participation, payment history, requested tenor and the expected volume of eligible payables.
Supplier finance requires an approved structure and participating counterparties. Longer payment terms are not available simply because a buyer requests them.
These are potential financing structures, not committed facilities. Some receivables arrangements involve a purchase of assets rather than a loan. Availability and legal form depend on the transaction.
What should trade finance debt brokers do for your business?
A lender needs to understand the complete transaction: who supplies the goods, who owns them during transit, when payment becomes due and how the sale proceeds reach the financing provider.
Financely prepares that credit case and manages the financing process. We connect the funding request to the contracts, documents and controls needed to support it.
Map the cash requirement
Review procurement, shipment, stockholding and collection dates. Calculate where cash is tied up, how long financing is needed and whether the requirement is transactional or revolving.
Define the facility
Assess the proposed amount, repayment source, eligible assets, borrower contribution and security. Identify gaps in the contracts or control arrangements before lender outreach.
Prepare and approach lenders
Assemble the credit materials and select prospective providers by product, jurisdiction, facility size and transaction risk. Manage distribution, questions and follow-up.
Compare terms and coordinate closing
Review proposals, support negotiations and coordinate diligence. Track documentation, account controls and outstanding conditions required before the facility can be used.
A financing limit is only useful if you can draw it
A facility can look sufficient on paper while providing less usable cash than expected. Eligibility rules, concentration limits, reserves, cash margins and documentary conditions determine actual availability.
We assess those terms against your trading cycle. For importers, that includes the period between supplier payment and resale. For exporters, it includes production, shipment and collection. For distributors, it includes inventory turnover and customer credit terms.
The objective is a financing request that reflects how your business buys, delivers and gets paid.
What to send us
- Business: company name, jurisdiction, ownership, annual revenue and trading history.
- Requirement: facility amount, currency, purpose, expected usage and required start date.
- Transaction: goods, supplier, buyer, countries involved, delivery terms and payment schedule.
- Evidence: purchase and sales contracts, orders, invoices, financial statements and relevant shipping or stock records.
- Existing financing: current facilities, security already granted, available cash contribution and lender feedback.
Explain any disputed invoices, overdue debt, related-party trading or unsigned contracts at submission. These details affect the financing structure and lender selection.
Why appoint Financely?
Appoint us when you need someone to prepare the financing case, manage lender discussions and follow the transaction through diligence and documentation.
You receive a defined assignment with agreed deliverables. We coordinate information requests, assess proposed terms and identify outstanding issues that need your attention.
If you already have lender relationships, disclose them at onboarding. We agree the outreach scope before approaching the market.
How to engage us
- Submit your transaction. Provide the facility requirement and available supporting documents.
- Review the proposal. Where the mandate is suitable, we define the scope, fees and preparation required.
- Complete onboarding. Sign the engagement agreement, complete the required checks and pay the retainer.
- Begin execution. We prepare the agreed materials, conduct suitable lender outreach and support negotiations and closing.
Our retainer pays for the agreed advisory work. Any success fee and external specialist costs are specified in the engagement terms. We do not work on a success-fee-only basis.
Trade finance debt brokers: common questions
Is Financely a direct lender?
No. Financely provides advisory, structuring and placement support. Financing providers make their own credit decisions and determine the conditions on which they will lend or purchase eligible assets.
Can you help if our bank has declined the transaction?
We can assess the reasons for the decline and whether another structure or provider may be appropriate. Send the lender feedback with your submission. A different lender will still require a credible repayment case.
Can you arrange financing without collateral?
We assess the complete credit position, including business cash flow, buyer quality and transaction controls. Security, guarantees, cash contributions or other support may be required. We do not assume an unsecured facility will be available.
Can one facility cover inventory and receivables?
Potentially. A borrowing-base or integrated trade facility may support eligible assets at different stages of the trading cycle. The structure must address ownership, valuation, collections and the prevention of double financing.
Can you arrange a letter of credit without full cash backing?
We can assess the requirement, but issuance depends on the provider's credit approval and support requirements. The cash margin, collateral and reimbursement terms are transaction-specific.
How quickly can a trade finance facility close?
Timing depends on the completeness of the file, counterparty checks, lender approval and documentation. A straightforward receivables facility and a cross-border commodity structure have different diligence requirements. We assess the timetable against the actual transaction.
Does paying the retainer guarantee financing?
No. The retainer covers the agreed advisory and execution services. Financing remains subject to lender approval, diligence and definitive agreements.
Need financing for your next trade?
Submit the amount required, the goods involved, the payment terms and the expected repayment source. We will assess whether Financely can take on the assignment and define the work required.
Submit Your TransactionAn advisory budget is required. Services are business-to-business and subject to an agreed mandate. Financely is an adviser and arranger, not a lender. No financing outcome is guaranteed.
