Why is an initial assessment required?

The initial assessment ensures your transaction aligns with lender criteria, verifying feasibility and ensuring streamlined underwriting.

What regions do you finance?

We finance transactions globally, including North America, Europe, Africa, Asia, and the Middle East.

What types of commodities and goods can be financed?

We cover metals (e.g., copper, lithium, gold), agricultural products, energy commodities (oil, gas), machinery, electronics, manufactured goods, and consumer goods.

How long does the PO financing process take?

Typically, initial assessments take 1–3 business days, while full underwriting and distribution to lenders may take approximately 2–4 weeks, depending on complexity and documentation readiness.

Are letters of credit (LCs) included in your financing solutions?

Yes, structured letters of credit are among the financing options we provide, alongside bridging loans and commodity-backed financing.

Do you provide bridging loans for urgent funding needs?

Yes, bridging loans are available to cover immediate short-term liquidity gaps until longer-term financing solutions are secured.

What exactly does underwriting and due diligence include?

Our comprehensive underwriting process includes financial analysis, risk assessment, verification of buyer credibility, commodity appraisal, compliance checks, and detailed legal review.

Can funding be guaranteed?

Funding decisions are ultimately at lenders' discretion. While we cannot guarantee funding, our rigorous underwriting and structuring significantly enhance the likelihood of successful financing.

Soft-Commodity Prepayment Finance

Working-Capital Solutions for Coffee, Cocoa, Grains & Edible-Oil Traders

FG Capital Advisors arranges pre-export, producer-advance, and inventory facilities for coffee, cocoa, grain, and edible-oil trades. Our Structuring Desk engineers collateral frameworks; the Underwriting Desk prepares lender-grade credit files; the Distribution team places transactions with specialty trade-finance banks, funds, and insurers holding more than $2 billion in deployable capital. Engagement begins with a retainer, quoted based on your transaction size and structure. This covers structuring, underwriting, and distribution—and is credited against success fees upon closing.

Financing Solutions

Pre-Export Finance

3–12 month lines secured on export receivables, collateral-management agreements, and cargo insurance.

Producer Pre-Payment

Cash advances to growers or processors against forward deliveries, backed by crop pledges and escrow.

Inventory Repo

Title-transfer structures lasting 30–180 days with daily stock reconciliation and warehouse receipts.

Borrowing-Base RCF

Revolving credit tied to daily marked-to-market values; typical advance rate 75–85% of ICE/LME quotes.

Sustainability-Linked Loan

Margin adjustments linked to ESG metrics such as deforestation-free verification or certified supply-chain share.

Hedge-Margin Liquidity Line

Dedicated buffer for futures and options margin calls, preserving working capital during volatility spikes.

Service Pillars

Structuring Desk

Collateral review and feasibility analysis
Security-package and covenant design
Trade-flow modelling and stress testing
Facility, assignment, and control documentation
Compliance with EUDR and traceability standards

Underwriting & Distribution Desk

Credit assessment and risk scoring
Placement with specialty trade-finance lenders, funds, and insurers
Competitive bid process and pricing optimisation
Trade-credit and political-risk insurance arrangement
Post-drawdown monitoring and collateral control

Risk-Control Toolkit

FX and commodity-price hedge execution
Satellite and on-site traceability audits
Independent collateral-management agents and surveyors
Insurance structures that lift advance rates

Engagement Timeline

Day 1–5 | Intake – Document review, retainer quote, indicative term sheet
Day 6–20 | Due-Diligence – Technical, legal, and ESG workstreams
Day 21–30 | Underwriting – Credit memo and syndication pack
Day 31–40 | Commitment – Final documentation and signing
≤ Day 45 | Drawdown – Conditions precedent satisfied; funds released

Ancillary Services

ESG audits

FX risk management

Digital trade documents

Receivable forfaiting

Logistics optimisation

Counterparty credit scoring

Frequently Asked Questions

Question	Answer
Advance-rate range?	We typically advance up to 85% of FOB value for cargos that are fully hedged and insured. Advance rates may be lower for higher-risk jurisdictions, volatile commodities, or unhedged flows.
Eligible origins?	We support all producing countries outside comprehensive sanctions regimes. That includes Sub-Saharan Africa, Latin America, and parts of Asia. Enhanced due diligence applies in high-risk jurisdictions.
Minimum facility size?	The minimum facility size we support is USD 500,000. For multi-offtake or syndicated structures, larger volumes are preferred.
Pricing basis?	Pricing is based on SOFR or Term SOFR benchmarks, with a margin that reflects tenor, structure, commodity, and country risk. Typical all-in cost ranges between SOFR + 4.5% and SOFR + 9.5%.
How long does it take to secure funding?	Deals can be funded in as little as 4–6 weeks from engagement, assuming documents are complete and no major issues are flagged during due diligence.
What documents are required to start?	At minimum, we require the corporate KYC, financial statements, trade flow overview, off-take agreements (if available), and a signed application form. Additional items may be requested post-intake.
Can you help if we already have a buyer contract?	Yes. We can structure financing around confirmed buyer contracts, assigning receivables and using them to collateralize drawdowns.
Do you fund companies with limited financial history?	Yes, especially when the collateral is strong or the buyer contract is investment-grade. We focus on asset-backed repayment rather than balance-sheet strength alone.