Trade Finance for Open Account Transactions

Trade Finance for Open Account Transactions

Trade Finance for Open Account Transactions

Buyers push for Net 60 or Net 90. Your cash cycle says no. We make open account safe and liquid by pairing credit insurance, receivables funding, and payables programs that actually fund on time. No myths. Just money in when you ship.

Outcome: offer Net 30–120 to win orders while getting paid at shipment or invoice approval, with risk covered and covenants you can live with.

When This Is The Right Move

Customers demand longer terms
You need Net 60–120 to win the PO but cannot stall payroll or suppliers.
Bank line is tapped
Your RCF is full and you need a program tied to AR, not more blanket debt.
Cross-border sales grow
Country risk and long transit times make cash timing messy without funding.
You want non-dilutive cash
Raise against AR and inventory instead of selling equity.

What We Arrange

Credit-insured receivables finance
Non-recourse funding on eligible AR with trade credit insurance and assignment to the lender.
Supply chain finance for your buyers
Buyers pay a funder at approval and take tenor. You get early pay at a discount rate that beats factoring.
Factoring and forfaiting
Sell invoices or deferred instruments without recourse where coverage and history permit.
Borrowing base and warehouse lines
AR plus inventory funding with field exams and collateral manager controls for steady draw capacity.

Pricing Elements You Should Expect

Component How It Is Charged What Drives It
Discount margin Spread over benchmark on advanced amount Buyer rating, tenor, concentration, country risk
Program fees Setup and monthly admin where a platform is used Volume, number of debtors, data connections
Insurance premium Annual or usage based on covered limits Debtor grades, countries, claims history
Collateral and audit Field exams, collateral manager, reporting pack Inventory mix, controls, warehouse footprint

Risk Controls That Keep Funding Stable

Eligibility rules
Aging limits, dispute caps, and dilution thresholds protect advance rates.
Concentration limits
Single-debtor caps and country buckets to avoid one-name blowups.
Insurance assignment
Loss payee to lender with claims and notification baked into the policy.
Reporting cadence
Borrowing base certificates, AR aging, and shipment files that match cash collections.

How We Get You Funded

1) Diagnose
We map buyers, terms, volumes, disputes, and countries. No guesswork.
2) Structure
Pick the right combo: insured AR funding, SCF, or a borrowing base with inventory.
3) Paper
Insurance policy, assignment, notices, and facility docs that lenders accept.
4) Fund
Go-live, file flow, and the first draws landing against approved invoices.

Typical Timeline

Stage What Happens Indicative Time
Intake Buyer list, terms, AR aging, sample invoices, KYC 2–5 days
Term sheet Advance rates, caps, pricing band, reporting pack 5–10 days
Docs and policy Insurance cover bound, assignment, notices issued 10–20 days
First funding Invoices uploaded and advanced per eligibility 1–3 days after go-live

Deliverables

  • Named lenders and insurer list with appetite by buyer and country
  • Facility term sheet with advance rates, caps, and covenants
  • Insurance policy and assignment pack with loss payee language
  • Borrowing base template, reporting cadence, and SOP for disputes
  • Go-live checklist and training for your ops and finance teams

Client Reviews

★★★★★ "We offered Net 90 to a top retailer and still got paid at invoice approval. Game changer for volume."

– CFO, Consumer Goods Manufacturer

★★★★★ "Insurance plus assignment let the funder go non-recourse. Cash hit two days after upload."

– Finance Director, Electronics Exporter

★★★★★ "Borrowing base with inventory solved seasonality without stressing our RCF."

– Treasurer, Food Distributor

★★★★★ "They handled the insurer and the lender so we just shipped and got paid."

– CEO, Industrial Supplier

Get Open Account Funding Terms

Send your buyer list, terms, monthly volume, and AR aging. We reply with a lender route, pricing elements, and a timeline that matches your shipments.

Start the Process

Information is indicative. Any facility is subject to independent credit approval, KYC and AML checks, insurance acceptance, collateral controls, and executed documentation. Terms vary by buyer quality, country risk, tenor, and market conditions.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

Trade Finance

Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

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Project Finance

Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

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.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.