Trade Finance Loan Officers

If you approve trade finance for a living, you know the drill: incomplete packs, weak title control, vague draw terms, and “programs” that fall apart at first questions. Financely fixes the source problem. We build lender-grade transactions for physical goods and commodities, then match them with banks and trade funds that can close. Clean files, clear collateral, and a cash waterfall you can trust.

Who This Page Is For

• Trade finance loan officers and credit teams that want clean, verifiable files with proper controls.
• Borrowers in energy, metals, mining, agri, chemicals, and FMCG that need working capital tied to real cargoes.
• Deal originators and brokers who need their mandates turned into bankable structures.

What Financely Does

• Underwrite the network of contracts. Purchase, sale, logistics, insurance, inspection, and receivables. No mystery payers. No side letters that foul collections.
• Engineer control. Title held until cash or a bank undertaking is in hand; blocked collection accounts; notice of assignment; loss-payee endorsements; step-in rights.
• Set clear draw mechanics. UCP600/ISP98-compliant language, precise documents, and cure periods that credit can live with.
• Assemble lender-grade packs. Sanctions and KYC files, voyage/warehouse control, insurance, borrowing base or transaction schedules, cash waterfall, and monitoring plan.
• Place the risk. Match the file to banks and trade finance funds with appetite for the tenor, route, and counterparty. We speak credit, not wishful thinking.

Products We Structure and Place

Why Credit Teams Say Yes To Our Files

• Cash first. Proceeds land in blocked accounts with a simple waterfall. Principal and interest sweep before anything else.
• Title locked. Original or e-B/Ls held to order; real warehouse control; no early release.
• Clear insurance. Cargo/war where needed, lender as loss payee; credit insurance where claims get paid, not post-facto excuses.
• Realistic advance rates. Haircuts by payer grade, commodity, route, and jurisdiction. No fantasy numbers.
• Watchlists and reports. Daily shipment trackers, AR agings, exception logs, and sanctions screens.
• No PPP “trade programs.” We refuse anything built on transferable standbys and magical returns.

Sectors and Routes We Know

Refined products (EN590, Jet, Gasoil), crude and NGLs, copper/cobalt/aluminum, steel and scrap, grains and oilseeds, sugar, fertilizers, specialty chemicals, and consumer staples. Load ports in Europe, Middle East, Africa, and Asia with discharge into EMEA, Asia, and the Americas. We keep to corridors where enforcement and insurance work.

Process That Clears Credit Committees

1. Triage. Quick screen on counterparties, route, tenor, and documents. If it can’t pass, we say no early.
2. Structuring. Lock controls: title, cash, inspection, insurance, step-in rights, and covenants.
3. Credit pack. KYC, sanctions, draft facility terms, draw mechanics, schedules, and monitoring plan.
4. Market to lenders. Targeted outreach to banks and funds that actually fund this lane and size.
5. Confirmations and closes. Work with all parties on conditions precedent, document lists, and first draw.
6. Monitoring. Position files, shipment updates, and exception management until full repayment.

What We Will Not Do

• Transferable SBLC “monetization” schemes.
• Uncontrolled warehouse receipts and paper-only collateral.
• Draw language that lets anyone pull funds on vague “failure to perform.”
• Deals without named payers and notice served.

FAQ

Do you issue LCs or SBLCs?

No. Banks issue instruments. We structure the terms, prepare the file, and bring issuing and confirming banks that are comfortable with the contract set and controls.

What deal sizes do you handle?

From modest ticket trades to multi-cargo lines. Size is less important than control. If title and cash are locked and the payer is solid, we can place it.

Can you work directly with loan officers?

Yes. We speak to credit early, agree the control points, and keep document requests tight so the committee has what it needs in one pass.

Which geographies are in scope?

Europe, UK, Middle East, Africa, Asia, and the Americas. We avoid routes where enforcement, insurance, or sanctions screening will stall the deal.

How are fees charged?

Mandate-based engagement with a success component. No retainers for fantasy files. If we take a mandate, it means we believe the trade can close.

This page is general information for corporate readers. Every transaction is subject to KYC, sanctions checks, credit approval, and final documentation by the funding parties. We do not participate in private “trade programs.”