Physical trade is a cash game. You buy before you sell. You load before you invoice. And you pay long before the end buyer clears funds. If you're a commodity trader, you already know the problem — traditional finance moves too slow, or not at all.
That's where working capital loans come in. And more importantly, that’s where Financely sits — between your deal and the capital required to close it.
A working capital loan bridges the liquidity gap between procurement and payment. Whether you’re buying crude, copper, fertilizer, or wheat — if your buyer pays net-30, net-60, or on delivery, you need capital to move.
The loan is structured around the deal — not your balance sheet. It’s repaid when your buyer settles or when the inventory is flipped.
We don’t just forward loan requests to banks. We build the capital stack around the trade mechanics and risk profile. Depending on deal size, buyer strength, and timeline, we’ll pull from senior, mezzanine, or junior capital sources across our lender base.
For qualified transactions, we offer note issuance directly through our platform. This allows multiple lenders or funds to participate in a trade-specific vehicle. The note is structured, documented, and monitored — backed by the deal, not generic credit models.
A trader secures a 20,000 MT grain order from an anchor buyer in East Africa. The buyer pays on delivery +30 days. Supplier requires 50% down and LC for the rest. We structure a $3.2M loan stack: $2.6M senior, $600K mezzanine. The facility is repaid from the buyer’s LC drawdown after delivery.
No equity raised. No margin left on the table. Trader retains full upside.
We fund deals — not dreams. If your trade is real, your paperwork is clean, and your buyer is credible, we can structure the financing.
| Parameter | Range |
|---|---|
| Loan Amount | $500K to $25M+ |
| Tenor | 30 to 180 days |
| Advance Rate | 70% to 90% |
| Structure | Loan or Note Issuance |
| Security | Receivables, contracts, warehouse receipts |
| Rate | 1.5% to 3.5% monthly, depending on risk and tenor |
We only work with institutional capital and verified credit investors. No bullet trades. No fake monetization. Every deal is documented, tracked, and accountable. If you’ve been burned by smoke-and-mirrors lenders before, this is where you get clarity.
We help real traders close real deals. Whether you need $500K for a shipment or $10M for a rolling portfolio, we’ll build the structure, issue the note (if needed), and match you with lenders who execute.
Submit Your Deal Book a 1:1 CallSubmit 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.
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 RequestAccess 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 RequestSecure 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 RequestFinancely 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.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagement may be carried out through Financely Group LLC, a non-deposit-taking non-banking financial company; Ashford Capital Advisory LLC; or another related entity. Financely and its affiliates are not registered as securities broker-dealers. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
exempt foreign private adviser pursuant to the Dodd-Frank Act, subject to applicable exemptions from certain regulatory requirements. Our services and regulatory status may vary based on the location and nature of the transaction. Click
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