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 deliver:
real trade lines sized to receivables, inventory, and purchase orders, with bankable instruments and enforceable controls. Who we serve:
importers, exporters, distributors, commodity traders, and manufacturers with repeat trade flows.
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
| Instrument |
Typical Use |
Tenor |
Security & Controls |
| Import LC |
Pay suppliers at shipment or sight |
30 to 180 days |
Cash margin or bank line, shipping docs control |
| SBLC / Guarantee |
Performance or payment support |
Up to 12 months, renewable |
Facility limit, ISP98 or URDG wording |
| Receivables Line |
Fund invoices to approved buyers |
Revolving |
Borrowing base, ineligibles, dilution reserve |
| Inventory Finance |
Hold stock to meet orders or seasonality |
Revolving or 180 to 360 days |
Title, warehouse control, inspection |
| Pre-Export / Prepay |
Advance against offtake |
6 to 24 months |
Assignment of proceeds, collateral manager |
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.
Start a Trade Finance Mandate
One intake. Clean underwriting. Competitive term sheets from banks and private credit. We manage the timeline and the paperwork.
Request a Proposal
Eligibility Snapshot
| Area |
What lenders look for |
| Financials |
Audited or reviewed statements, clean AR aging, gross margins that support carry |
| Customers |
Concentration within limits or mitigants, contract quality, dispute history |
| Suppliers |
Reliability, terms, incoterms, shipment routes, LC acceptability |
| Collateral |
Title and control for inventory, valid receivables with clean dilutions, enforceable security |
| Compliance |
KYC, AML and sanctions screening, insurance, trade documentation discipline |
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.
| Scenario |
Limit & Advance |
Notes |
| Receivables line
for distributor |
Up to 80% of eligible AR |
Cross-age and concentration limits apply, borrowing base certificate monthly |
| Inventory revolver
with warehouse control |
40% to 65% of eligible inventory |
Title control, periodic inspection, slow-moving reserves |
| Import LC program
with usance period |
LC issuance limit sized to purchase cycle |
Usance discounting to match receivable terms |
| Pre-export finance
for offtake contract |
Up to 70% of contract value |
Assignment of proceeds, collateral manager, shipment controls |
Process and Timetable
- Intake and scope. We agree on objectives, timing, and required documents.
- Underwriting file. Borrowing base built, collateral and controls defined.
- Market approach. Shortlisted lenders receive a single, complete pack.
- Term sheet auction. Comparable offers requested with clear asks.
- Selection and approvals. Diligence, KYC, and credit committee sign off.
- Documentation. Security perfection, collateral management, and reporting cadence.
- 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.
Ready to Broker a Trade Finance Facility
Send the last twelve months of AR and AP aging, top customer list, and inventory report. We will size availability and run a disciplined process with lenders.
Request a Proposal
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.