Trade Finance Bridge Loans.

Bridging the Collateral Gap.

Structured Underwriting for Companies Short on LC Collateral

Whether you are an intermediary, end buyer, or supplier, you may have encountered a frustrating roadblock in trade finance: a bank’s demand for cash collateral. Even when a deal is clearly bankable—say, a confirmed buyer’s Standby Letter of Credit (SBLC) or Documentary Letter of Credit (DLC) is already in place to guarantee payment—traditional banks often insist you tie up your own funds as security. This rigid requirement can halt an otherwise sound cross-border transaction and strain your working capital. Promising deals get delayed or jeopardized simply because the required SBLC or LC can’t be issued without upfront collateral.

Financely closes that gap with speed and expertise. Our firm provides short-term capital and innovative structuring to satisfy collateral requirements without burdening your cash flow. When traditional lenders hesitate, we step in to fund the collateral needed for your SBLC or back-to-back LC issuance, allowing your transaction to move forward. Our team works swiftly and professionally, coordinating with your banking partners to get letters of credit issued in days, not weeks. With this rapid structuring and funding support, you secure the instruments you need and keep your trade on schedule.

With Financely as your partner, you can execute high-value cross-border transactions that would otherwise stall. Our support ensures suppliers receive the guarantees they need; buyers receive their goods on time; and intermediaries complete deals without tying up their working capital. We pride ourselves on delivering swift, reliable solutions that empower you to seize opportunities in global trade. The next time a major opportunity arises and your bank hesitates, turn to Financely for the capital and structuring support to keep your business moving forward.

Term Sheet | Financely
Term Sheet
Financely structures short-term debt solutions designed to bridge collateral gaps for international trade transactions. Our solutions enable immediate issuance of Letters of Credit (LC) by providing structured capital backed by bankable trade deals, receivables, or inventory collateral.
Parameter Details
Commodities Covered
  • Metals: Copper, Aluminum, Nickel, Steel, Precious metals
  • Energy: Oil, Gas, LNG, Coal
  • Agriculture: Soybeans, Wheat, Sugar, Coffee
  • Other bankable commodities (subject to approval)
Transaction Scenarios
  • Collateral bridging for SBLC/DLC issuance
  • Back-to-back Letter of Credit transactions
  • Intermediary funding with confirmed buyer LC/SBLC
  • Inventory and receivables finance
Transaction Volume & Tenor
  • Minimum: USD 500,000 (no upper cap)
  • Tenor: 30 days to 12 months (renewable)
Closing Procedures & Timelines
  • Initial Review: 48 hours
  • Due Diligence: 5-7 days
  • Structuring & Documentation: 3-5 days post-DD
  • LC Issuance/Funding: Immediate post-approval/signature
Fees & Origination Costs
  • Origination Fee: Typically 1-2% (case-specific)
  • Due Diligence & Legal: Transparent upfront quotes
  • Success Fee: Payable upon successful LC issuance
Eligibility & Compliance
  • Established corporations, traders, structured startups with verifiable experience
  • Verifiable trade contracts or purchase orders required
  • Compliance with AML/KYC and international regulatory standards
  • Self-liquidating repayment structures mandatory
Repayment Structure & Interest Rates
  • Bullet repayment or structured amortization
  • Interest rates: US Prime + 2.5% to 6.5% per annum (risk-based)