Trade Receivables Securitization for Trading Companies and Banks
Trade Receivables Securitization for Banks
Short-tenor trade receivables look harmless—until they accumulate in billions, consume risk-weighted assets and drag return on equity. A properly engineered receivables ABS transfers that exposure to capital-markets investors, releases regulatory capital and lets your origination team do what it does best: write new business at fee income. Financely designs, models and distributes these programs end-to-end—all under a single, time-bound mandate.
Why Banks Engage Financely
| Challenge | Our Solution | Capital Impact |
|---|---|---|
| Receivables bloat RWA and hit leverage ratio. | True-sale SPV isolates assets; senior notes qualify for look-through weighting. | ROE lift of 150-300 bp on the trade-finance desk. |
| Concentration & country limits reached. | Pool-wide eligibility tests cap exposure to any buyer or jurisdiction. | Line capacity reopened for strategic clients. |
| Balance-sheet funding cost uncompetitive. | Senior tranche priced at swaps + 150-180 bp, far below internal hurdle. | Net interest margin preserved; fee income retained. |
| Investor appetite unclear; marketing drains resources. | Financely roadshows to 80+ ABS desks, insurers, money-market funds. | Transaction fully placed—no warehouse backlog. |
Running an originate-and-distribute model works only when distribution channels stay open and repeatable. Our shelf-SPV architecture allows monthly or quarterly tap-ups: the moment your trade finance team books new volume it can flow into the conduit and off your balance sheet— RWA-neutral growth on autopilot.
12-Week Execution Path
- Weeks 1-2 Data Tape & Diagnostics – We ingest aging buckets, dilution history, obligor ratings.
- Weeks 3-4 Structure & Cash-Flow Modelling – Waterfall, reserves, OC, triggers under base / stress cases.
- Weeks 5-7 Legal, SPV, True Sale Opinion – Purchase agreement, servicing standards, corporate services.
- Weeks 8-9 Rating & Insurance Wrap – Present model to agencies; optional credit-insurance overlay.
- Weeks 10-11 Investor Roadshow – PPM, term-sheet, virtual meetings with targeted ABS investors.
- Week 12 Pricing & Close – Notes priced, proceeds flow; receivables de-recognised.
Across the Desk—Bank Feedback
— COO, European Clearing Bank
— Head of FIG, LatAm Universal Bank
Mandate Economics
| Program Size | Structuring Fee | Placement Fee | Servicing (Annual) |
|---|---|---|---|
| USD 50–150 m | USD 150 k | 0.60 % | 10 bp |
| USD 150–300 m | USD 250 k | 0.50 % | 9 bp |
| > USD 300 m | Custom | 0.40-0.45 % | 8 bp |
External costs—rating agency, legal counsel, insurance premium—are billed through at cost.
Turn trade receivables into rated paper, free capital and keep originating. Engage our securitization team today.
Launch a Receivables ABSFinancely Group arranges ABS programs on a best-efforts basis through licensed banks, insurers and institutional investors. Transactions are subject to due diligence, regulatory approval and a signed engagement. Financely reserves the right to decline assignments that do not meet professional or legal standards.
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.
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.
Submit a RequestProject 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.
Submit a RequestAcquisitions
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.
Submit a RequestFor 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 RequestOnce 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.
