Trade Finance Loans
Trade Finance Loans
Senior secured working capital for importers, exporters, and trading companies. We arrange revolving lines that match your trade cycle and, where needed, we align LC or credit insurance so proceeds move on time. The file must be real, the flow must be documented, and the covenants must be workable.
Loan Types and Use Cases
- Pre-Export Finance (PXF): fund raw materials and production against export contracts and insurance where applicable.
- Post-Shipment Receivables Finance: discount insured or approved AR, non-recourse where policy terms permit.
- Import and UPAS LC Refinancing: pay at sight to the supplier, extend tenor to you on rolled terms.
- Inventory and Warehouse Finance: title-controlled stock, bonded warehouse or collateral manager in place.
- Borrowing Base Revolver: blended AR and inventory with weekly BBC reporting and concentration limits.
- Supply Chain Finance: payables program for approved suppliers with buyer risk or insured risk.
Typical Terms
| Item | Guidance | Notes |
|---|---|---|
| Facility Size | USD 5m to 150m+ | Programmatic increases for proven users |
| Tenor | 60 to 360 days per cycle | 1 to 3 year revolver framework |
| Advance Rate | Up to 80–90% AR, 50–75% inventory | By eligibility and insurance cover |
| Pricing | SOFR or EURIBOR + 350–900 bps | Spread set by risk, sector, structure |
| Collateral | AR, title over goods, insurance, assignments | Parent support where needed |
| Reporting | Weekly BBC, AR aging, stock roll-forward | Covenants tied to days and limits |
Ranges are indicative and subject to underwriting and documentation.
Who Qualifies and What Lenders Expect
- Audited financials, at least two years of operating history, and a real trade cycle.
- Named buyers and suppliers with contracts, invoices, transport and inspection documents.
- Trade credit insurance on obligors or a strong buyer list that passes internal limits.
- Sanctions, AML and KYC clean. Clear title transfer and no circular trades.
Process and Timing
| Step | What Happens | Typical Timing |
|---|---|---|
| Intake | We review trade flows, buyers, limits, and security package. | 2 to 3 days |
| Indicative Terms | Initial structure, advance rates, pricing corridor, conditions. | 5 to 7 days |
| Underwriting | Diligence on contracts, insurance, collateral control and covenants. | 1 to 3 weeks |
| Docs and Closing | Facility docs, security filings, control agreements, CP checklist. | 1 to 2 weeks |
Clean files close fast. Expect about 3 to 6 weeks end to end, depending on insurance and collateral control.
What To Prepare
- Buyer and supplier lists with limits, terms, and top ten exposures.
- AR aging, inventory reports, shipping docs, and sample contracts or POs.
- Insurance binder and policy terms if using trade credit insurance.
- Financials, management accounts, and cash flow model by lane or product.
Red Flags That Kill Deals
- Leased SBLC stories, fake collateral, or pre-fund admin fees to third party escrow.
- Mismatch between paper flow and physical flow.
- Sanctioned parties or opaque ultimate beneficiaries.
- Inventory that cannot be controlled or verified.
Start Your Trade Finance Loan Request
Send us the buyer list, flow chart, and latest AR and inventory reports. We will map the structure and timeline.
Contact UsFAQs
- Do we need credit insurance? Not always. It raises advance rates and lowers spread when it fits the buyer mix.
- Can you work with our existing bank? Yes. We can sit behind or beside your bank with intercreditor terms.
- Can you fund emerging market flows? Yes with strong documentation and acceptable insurance or buyer limits.
- What is the minimum size? We can look at USD 5m and scale with use and reporting discipline.
Financely is an advisory and placement firm, not a lender. Any facility is subject to lender underwriting, KYC and AML, collateral control, and definitive documentation. Terms vary by sector, counterparties, jurisdiction, and structure.
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.
