Notice. FG Capital Advisors is a trade and capital advisory firm with a focus on carbon, commodities, and structured credit. The firm provides financial modelling, analytical support, and sponsor side advice around commodity finance, trade facilities, and related capital structures. FG Capital Advisors is not a bank, lender, credit insurer, broker dealer, or retail investment adviser and does not issue loans, guarantees, or insurance products. Any facility, guarantee, derivative, or investment is provided by regulated counterparties under their own licences and documentation. All potential transactions are subject to KYC and AML checks, sanctions screening, credit and investment committee decisions, independent legal and tax advice on the client side, and formal agreements with those regulated entities.
SME Commodity Trade Finance Structuring Services
SME commodity businesses lose fundable deals for one repetitive reason. The trade might be real, but the structure is not credit readable. Banks and private credit providers will not commit serious limits without clean contracts, clear collateral control, and a tight documentary path from purchase to cash.
FG Capital Advisors structures SME commodity trade finance into lender-ready packages tied to documented flows, inventory, receivables, and offtake logic. We align commercial terms, controls, and modelling so regulated funding partners can underwrite with confidence.
Request SME Trade Structuring ReviewThe Problem We Solve
Many SMEs are not rejected because they lack demand or supply. They are rejected because the file leaves lenders exposed to open risk, weak documentation, and unclear repayment mechanics.
- Suppliers demand deposits or prepayment, while banks will only fund against defined documentary controls.
- Inventory exists, but title, inspection, and release procedures are not structured for lending.
- Receivables are strong on paper, but buyer approval and historical collection evidence are missing.
- Trade cycles are profitable, but the requested facility size is not anchored to eligible collateral and reporting discipline.
- Contracts are executed, yet Incoterms, pricing, and performance terms are not aligned with lender expectations.
Our work is to turn real commercial trades into financeable risk packages.
Who We Serve
This service is designed for SMEs with genuine physical commodity activity who need a structured pathway to institutional funding.
- Importers and distributors with repeat purchase cycles and identifiable end buyers.
- Regional commodity traders running back-to-back or storage-linked flows.
- Producers and processors with credible offtake and expansion plans.
- Sponsor-backed SME platforms seeking their first bank-grade or private credit facility.
We prioritise businesses with documented contracts, execution history, and the willingness to operate with real collateral control and reporting.
Who This Is Not For
We run a disciplined screening process. This offer is not built for speculative traders or parties looking for shortcut structures.
- No underlying contracts, no executed trade history, or no verifiable counterparties.
- Unclear ownership, incomplete KYC, or weak source of funds explanations.
- Facility requests that are disconnected from realistic volumes and historical performance.
- Refusal of inventory control, inspections, collateral management, or reporting discipline.
- Parties unwilling to engage on a paid structuring basis before capital outreach.
These filters protect serious clients and keep the process efficient.
Structures We Commonly Build For SMEs
The appropriate structure depends on product, corridor, counterparty strength, and operational controls. We focus on frameworks that match lender logic and day-to-day trading reality.
- Pre-import and pre-export finance linked to specific contracts, shipment schedules, and repayment from receivables or offtake proceeds.
- Inventory and warehouse finance where stock in tanks, silos, terminals, or bonded facilities supports revolving capacity.
- Receivables-backed facilities referencing approved buyers, documented payment terms, and historical collection performance.
- Borrowing base structures combining inventory and receivables with eligibility rules, advance rates, and concentration limits.
- LC or standby-supported trade frameworks where instrument logic is tied to a clean documentary chain and realistic issuer policy.
The objective is predictable drawdowns and repayments that follow the real commodity cycle.
Typical SME Use Cases
These are the most common situations where SMEs need structured support before capital becomes accessible.
- Supplier requests a deposit and the SME needs a prepayment bridge tied to an end-buyer contract.
- Inventory is in storage but cannot be financed due to weak title, control, or inspection structures.
- A strong end-buyer exists, but receivables data and approval standards are not packaged for lenders.
- Seasonal demand requires a borrowing base approach rather than an unsecured overdraft.
- A fast-growing SME needs a first institutional facility to replace fragmented, high-cost funding.
We focus on use cases where the underlying trade is real and the missing piece is structure and execution discipline.
What “Lender-Ready” Means In Our Work
We produce the core elements lenders need to evaluate SME commodity risk with speed and clarity.
- A clean transaction narrative anchored to real flows, routes, and counterparties.
- Contract and Incoterms alignment with documentary and performance risk logic.
- Collateral and control framework for inventory, receivables, and release mechanics.
- Borrowing base logic with eligibility criteria, advance rates, and reserve concepts as needed.
- A simple, committee-readable financial model tied to the trade cycle.
- An organised data room that reduces compliance and credit back-and-forth.
This is the difference between a hopeful pitch and a financeable asset.
Our Engagement Flow
We run a staged process designed to protect client time and capital while improving the probability of serious term sheets.
- Step 1. Paid Structuring Diagnostic delivering a go or no-go view, a realistic structure map, and a clear list of required fixes.
- Step 2. Lender-Grade Structuring Pack including the model, collateral and control design, contract alignment, and term sheet positioning.
- Step 3. Capital Outreach With Regulated Partners where relevant funding is pursued through banks and private credit providers under their own approvals and documentation.
You get direct, commercial feedback early rather than long, expensive trial cycles.
Information We Typically Need
A concise but structured pack is enough for an initial assessment.
- Purchase and sale contracts, POs, or offtake agreements.
- Trade flow summary by product, route, counterparty, and expected volumes.
- Storage, inspection, and logistics details where inventory is involved.
- Buyer payment terms and historical performance where receivables are a key repayment source.
- Corporate documents, ownership, and signatory authorities.
- Recent financials and a summary of existing facilities.
If gaps exist, we will define the minimum documentation and control upgrades required before serious outreach.
SMEs can raise meaningful commodity trade finance when the structure is built around real controls, clean documents, and realistic sizing logic. The funding market is still open to strong flows. It is not open to weak files.
If you have genuine physical commodity transactions and want a bank-grade pathway to inventory, receivables, pre-export, or borrowing base funding, we can structure the deal and position it for regulated capital partners.
Submit An SME Trade MandateDisclosure. FG Capital Advisors provides financial modelling, analytical, and advisory services. The firm does not originate, offer, or sell securities, loans, deposits, guarantees, or insurance products and does not accept client money. Any trade finance facility, letter of credit, standby letter of credit, guarantee, derivative, or investment product referenced on this page is carried out by regulated entities under their own licences, internal approvals, terms, and documentation. Commodity trade finance involves credit, performance, operational, legal, market, and policy risk. Nothing on this page is a recommendation or a solicitation to enter into any transaction or to buy or sell any financial product. Any engagement with FG Capital Advisors is subject to internal approval, conflict checks, KYC and AML checks and sanctions screening where required, and the terms of a formal engagement letter.
