Trade Finance Loan Brokers

We arrange working capital for cross-border and domestic trade. Our team brokers facilities from banks, private credit funds, and specialist trade lenders, and we run a controlled process from intake to close. Expect clear eligibility rules, clean documentation, and a timetable you can plan around. We are advisors and arrangers. We do not lend our own balance sheet.

What We Broker

• Letters of Credit: issuance and confirmation for imports and exports, issuance backed by cash margin or credit lines. Transferable and back-to-back where permitted.
• Standby Letters of Credit and Guarantees: performance and payment support under ISP98 or URDG 758 for trade obligations and advance payments.
• Receivables Finance: invoice discounting, factoring, and borrowing base lines against eligible AR with reserves for dilution and aging.
• Pre-Export and Prepayment Facilities: advances against offtake contracts with assignment of export proceeds and collateral in goods.
• Inventory Finance and Repos: title-controlled stock funding in warehouse or in tank with inspector and collateral manager controls.
• Supply Chain Finance: approved payables programs for large buyers and their suppliers with dynamic discounting.
• Forfaiting and Bills Discounting: discount of avalized bills, drafts, and accepted time instruments from rated banks.
• ECA-Backed Loans: export credit agency support for capex and large supply contracts where country rules allow.

When Trade Loans Fit

• Rapid growth in orders outpacing cash receipts.
• Longer payment terms requested by key buyers.
• Supplier prepayments or shipment deposits required.
• Seasonal build of raw materials or finished goods.
• Cross-border risk transfer needed through LC and confirmation.

Core Instruments At A Glance

Our Role As Your Broker

• Underwrite: build a simple borrowing base and cash cycle model. Map ineligibles, reserves, and headroom.
• Structure: pick the right mix of LC, SBLC, receivables, inventory, or pre-export. Define security and controls the lender will accept.
• Market: approach a short list of lenders who actually fund your profile and jurisdiction. Keep one data pack for comparability.
• Negotiate: run a term sheet auction across lenders. Focus on limit, advance rate, margin, fees, covenants, and service levels.
• Close: align documents, security perfection, collateral management, and reporting so the facility works in practice.

Eligibility Snapshot

Documents We Will Ask For

• AR aging, top customers, disputes, and dilutions over 12 months.
• AP aging and supplier terms, purchase orders in pipeline.
• Bank statements and existing facilities with covenants.
• Inventory reports by location and SKU, stock policies, and shrinkage history.
• Recent shipments: invoices, packing lists, bills of lading, and incoterms.
• Corporate documents, beneficial owners, insurance certificates.

Sample Facility Structures

Illustrative only. Actual terms depend on credit, collateral quality, and jurisdiction.

Process and Timetable

1. Intake and scope. We agree on objectives, timing, and required documents.
2. Underwriting file. Borrowing base built, collateral and controls defined.
3. Market approach. Shortlisted lenders receive a single, complete pack.
4. Term sheet auction. Comparable offers requested with clear asks.
5. Selection and approvals. Diligence, KYC, and credit committee sign off.
6. Documentation. Security perfection, collateral management, and reporting cadence.
7. Funding and go live. Draw and monitor, periodic availability updates.

Fees

Flat engagement fee in the low tens of thousands to the low twenties based on complexity. One time success fee at closing, commonly 2% of the committed facility or placed capital. We only charge again if we source a new facility or renegotiate the current one on a new mandate. Lender fees, legal, inspection, and collateral management costs are separate.

What We Do Not Entertain

• No advance fees payable to third parties to “unlock” instruments.
• No leased SBLC stories, no screen-shot proof of funds, no Telegram procedures.
• No trades without verifiable title, terminal or warehouse control, and enforceable documentation.

Financely Group acts as an advisor and arranger. We are not a bank and we do not provide legal, tax, or accounting advice. Any facility is subject to KYC, AML and sanctions screening, lender approvals, collateral verification, and executed documentation. Where a licensed intermediary is required, we work with regulated partners.