Warehouse Receipt Financing: Turn Stored Goods Into Capital
Warehouse Receipt Financing: Turn Stored Goods Into Immediate Capital ($500K–$20M+)
Stored goods shouldn't tie up your liquidity. With warehouse receipt financing, Financely helps traders, exporters, and asset-heavy businesses unlock capital by using bonded stock as collateral. We underwrite transactions from $500,000 to over $20 million, backed by verifiable warehouse receipts issued by certified or bonded storage operators.
What Is Warehouse Receipt Financing?
Warehouse receipt financing is a short-term loan secured by physical goods held in a certified warehouse. The warehouse issues a formal receipt proving title and quantity of stored inventory. This document serves as the basis for financing—typically allowing borrowers to access 60% to 85% of the market value of their goods while they await sale or shipment.
Who Uses It?
- Agri-exporters: Cocoa, sesame, maize, and rice held in bonded warehouses pre-shipment
- Commodity traders: Metals, fertilizer, crude by-products, or grains awaiting sale or LC settlement
- Local aggregators: SMEs collecting stock from producers but lacking cash for forward sales
- Mining operators: Concentrate or cathode in secure depots awaiting offtake or transit
How Financely Structures It
- Collateral: Warehouse receipt from a vetted facility with proof of clean title and insurance
- Loan-to-value: 60%–85% depending on commodity, price volatility, and storage conditions
- Tenor: 30 to 180 days, extendable depending on contract terms or buyer timing
- Currencies: USD, EUR, GBP, and select local currencies for regional transactions
Process Overview
| Step | Description | Timeframe |
|---|---|---|
| Submission | Provide warehouse receipt, title docs, and buyer intent or sales pipeline | Day 0 |
| Underwriting | Financely validates warehouse, insurability, and pricing stability | 2–3 business days |
| Indicative Terms | Terms issued with disbursement schedule and release conditions | Within 5 business days |
| Disbursement | Funds transferred against receipt pledge and escrow release | 7–10 business days total |
Need More Than the Receipt Covers?
We often encounter businesses whose warehouse receipts only cover part of their capital needs. In these cases, Financely can structure additional funding in parallel. This may include:
- Assigned contract financing(if there’s a buyer or offtake agreement)
- SPV-backed working capital with blended collateral
- Bridge loans against incoming LC proceeds or sale contracts
If the transaction has strong economic logic, we can unlock 100% of the working capital needed—even beyond the value of goods held in storage.
Where It Works Best
| Region | Eligible Commodities | Storage Types |
|---|---|---|
| West Africa | Cocoa, maize, rice, fertilizer, copper concentrate | Bonded export warehouses, port storage |
| MENA | Phosphates, grains, metals, petroleum by-products | Private depots, bonded third-party operators |
| LATAM | Soy, coffee, lithium, sugar, urea | Inland warehouses with certified inspection |
Borrower Requirements
- Proof of legal title to the stored goods
- Receipt from a vetted warehouse with verifiable controls
- Valid export or local sales plan (or buyer intent)
- Ability to respond to due diligence and close within 2 weeks
Risk Controls
- Daily or weekly mark-to-market monitoring
- Warehouse inspection and loss insurance
- Escrow-based release of goods to protect lenders
Holding goods in storage while cash flow dries up? Financely helps you unlock capital with warehouse receipt financing—and raise additional funding if needed. Start now.
Submit Your TransactionDisclaimers
Financely operates as a structured finance advisory firm coordinating capital access through a third-party network of institutional lenders and trade funds. All transactions are subject to documentation review, underwriting approval, and regional compliance checks. Warehouse receipt financing is only available for assets held in facilities that meet Financely’s standards of legal enforceability, security, and collateral verification.
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.
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