Trade Finance

Trade Finance Solutions

Secure, Self-Liquidating Funding for Global Trade

Lining up the next oil or grain shipment shouldn’t mean locking up all your capital.  We structure financing around your commodities and receivables, keeping your funds liquid and your deals moving. No more juggling payment terms or sweating over bank delays—we help smooth out the bumps, so you can focus on securing profitable trades. Markets shift, challenges pop up, but with the right setup, you stay ahead.

US$2.5 Trillion

Global Trade Finance Gap

65 Million

MSMEs Seeking Funding

Structured Financing for Energy, Soft Commodities, and Metals

Trade credit gaps and delayed payments stall deals. We structure financing—receivables securitization, RCFs, and LCs—to keep transactions moving.

Energy Commodities

Secure the funding you need to power global trade in energy commodities. From crude oil, LNG, and refined products to renewable energy sources like solar, wind, and biofuels, we provide tailored financing solutions. We also support environmental commodities, including carbon credits and emission allowances, helping businesses embrace sustainability without sacrificing liquidity.

Soft Commodities

Whether you're trading coffee, sugar, cocoa, or grains, we offer flexible financing that ensures your supply chains run smoothly. Our solutions include pre-shipment finance, trade credit facilities, and receivables securitization, allowing you to focus on scaling operations and meeting global demand. With our support, you can unlock working capital tied to seasonal cycles and reduce the financial pressure of long payment terms.

Metals & Minerals Financing

Drive your metals and minerals trade forward with structured funding for gold, silver, aluminum, and industrial metals. We also finance bulk shipments of minerals like coal and iron ore. Our inventory-backed loans, short-term commercial paper, and trade receivables solutions ensure that your operations maintain momentum, even in volatile markets. Let us help you turn inventory into liquidity and seize new opportunities.

Looking to finance your next commodity trade?

Submit your deal specifics, and we’ll provide a term sheet within 1-3 business days.

How It Works

Trade finance notes provide structured funding solutions for commodity purchases and production costs, secured by a pledge of commodities and receivables. Once the trade is completed and receivables are reimbursed, the borrower pays the agreed interest while retaining their profit margin. This process is repeatable, enabling businesses to scale trade operations while potentially increasing their borrowing base or revolving credit facility (RCF) as transaction volumes grow. Self-liquidating trade finance notes ensure that proceeds from the trade automatically settle the loan, reducing risk while keeping operations capital-efficient and uninterrupted.

Trade Finance Note Issuance
Trade Finance Note Issuance Process
1. Credit & Risk Assessment
2. Structuring the Note
3. SPV Setup & Legal Framework
4. Issuance & Distribution

1. Credit & Risk Assessment

Every issuance begins with a thorough evaluation of risk. Investors demand clarity on the creditworthiness of the underlying assets. Key considerations:

  • Internal vs. External Rating: Use AI-driven credit scoring or external agencies like Moody’s or Fitch.
  • Sanctions Screening: Conduct AML/KYC and verify OFAC, EU, and UN sanction lists.
  • Default Probability: Analyze historical payment behavior and industry risk.
  • Machine Learning Analytics: Advanced AI modeling can assess transaction risk beyond traditional methods.

2. Structuring the Note

Once credit risks are mapped, the note is structured to match investor preferences and risk appetite:

  • Collateralization: Backed by receivables, inventory, or shipping documents.
  • Tenor: Typically short-term (30-180 days) to match trade cycles.
  • Debt Seniority: Senior secured notes attract institutional capital.
  • Interest Rate: Benchmarked against SOFR, EURIBOR, or Prime Rate.

3. SPV Setup & Legal Framework

To ensure bankruptcy remoteness and investor protection, the SPV must be properly established:

  • Jurisdiction Selection: Luxembourg, Cayman, Delaware, Singapore.
  • Legal Structuring: Uses securitization vehicles, LLCs, or trusts.
  • Regulatory Compliance: Ensures full adherence to Basel III/IV, IFRS, and MLETR.
  • Investor Reporting: Regular financial disclosures and transaction tracking.

4. Issuance & Distribution

The final step is making the note investable and ensuring liquidity:

  • Private Placement vs. Exchange Listing: Direct to investors or listed on platforms like LuxSE, Euronext, or Tokenized Exchanges.
  • Smart Contracts & Tokenization: Digital issuance streamlines settlement and compliance.
  • Institutional Placement: Distributed via banks, hedge funds, family offices.

Indicative Term Sheet

Trade Finance Term Sheet

Trade finance notes are structured debt instruments designed to provide working capital solutions for international trade. Issued through a Special Purpose Vehicle (SPV) and backed by trade receivables, inventory, or other collateralized assets, these notes offer institutional investors access to structured, asset-backed financing opportunities. This mechanism enhances liquidity, enables businesses to optimize trade flows, and ensures risk is managed effectively through secured structures.

Parameter Details
Eligibility Criteria
  • Eligible counterparties include established corporations, trading houses, and structured startups with demonstrable trade experience.
  • Transactions must involve verifiable counterparties, contracts, or purchase orders.
  • Borrowers must demonstrate sector expertise, secured supply chains, or proven distribution agreements.
  • Trade finance structures must be self-liquidating(repayment sourced from trade proceeds).
  • All parties must adhere to AML, KYC, and applicable regulatory requirements.
Minimum Turnover Requirement Starting from $1,000,000 per year, with no upper limit. Larger transactions can be accommodated, and in some cases, facilities can be syndicated to meet significant financing needs.
Geographic Coverage
  • Global Coverage: Transactions can be structured across all major trade corridors, including North America, Europe, Asia-Pacific, Latin America, the Middle East, and Africa.
  • Cross-border trade finance solutions are available for verified importers and exporters worldwide.
Commodity & Goods Coverage
  • Commodities: Energy, metals, agriculture, soft commodities, industrial raw materials.
  • Manufactured & Industrial Goods: Machinery, equipment, steel, chemicals, construction materials.
  • Consumer Goods: Electronics, textiles, pharmaceuticals, packaged goods, automotive.
  • Other Trade Assets: Supply chain financing across diverse industries.
Tenor 30 to 360 days, extendable based on transaction structure.
Repayment Structure Bullet repayment at maturity or structured amortization.
Interest Rate U.S. Prime Rate + 2.5% to 6.5% per annum, based on risk profile.
financely.io – Trade & Project Finance Advisory

What Is Structured Trade & Commodity Finance (STCF)?

STCF is a specialized form of trade finance designed to facilitate the movement of commodities across global markets while mitigating risk. It typically involves collateral-based lending, where the underlying commodities serve as security, and is structured to be self-liquidating, meaning loans are repaid from the proceeds of the trade. STCF helps traders, producers, and buyers manage liquidity and risk through instruments like Letters of Credit, Bank Guarantees, and insurance, making it particularly useful for large-scale, cross-border transactions in sectors like oil, gas, metals, and agriculture.

Submit Your Deal

Introduction Video

Get Started Today

Trade finance doesn’t have to be complicated. We provide the funding and support you need to execute your transactions with confidence. Submit your documents, and we’ll take care of the rest—from facility approval to fund disbursement.

Advisory Expertise for Fast-Track Trade Finance Deals

Our advisors, backed by Financely’s exclusive distribution network, specialize in structuring trade finance deals across diverse commodities. Once you retain us, they leverage their expertise and our resources to quickly assess and close deals, ensuring efficient access to capital for your business.

What Our Clients Say

★ ★ ★ ★ ★

Ahmed R., UAE – Back-to-Back LC

We had a confirmed sale but lacked a supplier-side letter of credit. Financely structured a back-to-back LC that allowed us to secure the goods without tying up working capital. The deal went through flawlessly, and our margins remained intact. Highly recommended.

★ ★ ★ ★ ★

Michael S., USA – Raising Debt Capital

We needed $50M in structured debt for an energy transaction but traditional banks wouldn't move fast enough. Financely not only connected us with private capital but also structured the deal to match our revenue cycle. Fast, professional, and results-driven.

★ ★ ★ ★ ★

Emeka O., Nigeria – Receivables Securitization

In Africa, trade credit is always a challenge. Financely structured a receivables securitization that turned our outstanding invoices into immediate liquidity. No long bank delays, no unnecessary red tape—just results. This solution changed the game for us.

★ ★ ★ ★ ★

Jean-Marc L., France – Commodity Finance

We were expanding our soft commodities trade and needed a structured facility that didn't drain our balance sheet. Financely put together a tailored inventory-backed financing solution that gave us the liquidity to scale operations without unnecessary exposure.

★ ★ ★ ★ ★

Lucas G., Brazil – Pre-Export Financing

Brazil’s agricultural exports require reliable funding to meet global demand. Financely structured a pre-export financing deal that allowed us to secure contracts before harvest. They understand global trade like few others.

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