1. Who We Serve

• Mid‑market commodity traders needing working capital beyond a single bank line.
• Producers and processors looking to pre‑finance crop, ore, concentrate or refined product.
• Importers/distributors of FMCG that need receivable‑backed liquidity during peak purchase cycles.
• Newco SPVs built for one‑off arbitrage plays or strategic offtake deals that require bridge capital.
• Funds and lenders seeking vetted deal flow, pre‑diligenced counterparties and enforceable security packages.

2. What We Actually Do

Labels aside, our job is simple: understand your trade flows, rip apart the risk chain, rebuild it with collateral and covenants that lenders sign off on, then bring in the capital stack that fits. That covers:

• Term sheet engineering for trade finance: borrowing base, pre‑export, receivable discounting, LC confirmations, SBLC‑backed bridges, repo and tolling structures.
• Capital sourcing: banks, commodity traders, private credit funds, family offices, trade‑focused fintechs.
• Document drafting support: facility agreements, security packages, intercreditor docs, assignment notices, performance covenants.
• Collateral and monitoring frameworks: warehouse control, escrow flows, inventory audits, LC governance, hedging policy.
• Execution management: data room build‑out, Q&A handling, legal coordination, CP/CS checklists, drawdown scheduling.

3. Commodity Scope

4. Structures We Bring to the Table

4.1 Borrowing Base Facilities

Revolving lines sized against eligible inventory and receivables with regular redetermination. Advance rates differ by commodity, hedge status and buyer profile. We push for clear eligibility tests and audit cycles that keep trading desks moving instead of drowning in reports.

4.2 Pre‑Export Finance (PXF)

Capital advanced against future export proceeds. Security sits on offtake contracts, export licences and collection accounts. Works well for softs and metals with reliable buyers. We fix the weak points: assignment enforceability, sovereign approvals, performance penalties that don’t scare lenders.

4.3 Receivable Purchase / Discounting

True sale or collateralised. Off‑balance‑sheet funding if structured right. We map buyer credit, dilution caps, concentration limits and trigger events. Retail‑heavy FMCG flows use this when seasonality bites.

4.4 LC & SBLC Solutions

Confirmed LCs, back‑to‑back structures, standby LCs for performance or payment support. We arrange confirms, silent confirms and avalisations with banks that actually sign. No fantasy paper.

4.5 Metal Repo & Tolling Finance

Short‑term cash against title to metal in LME‑approved or bonded warehouses. For tolling, the lender funds processing while holding title to concentrate or cathode through the circuit. Clear title transfer and inspection rights matter more than glossy presentations.

4.6 Bridge Capital

Gap funding for shipment cycles, M&A closings tied to inventory, or delayed bank sign‑off. Priced higher, cleared faster. Backstopped with SBLCs, guarantees or hard collateral. We make sure the take‑out is real before anyone funds.

5. Our Process: From Intake to Drawdown

1. Initial Screen (48–72 hours): We review the trade flow, counterparties, security available, historical P&L, and legal footprint. If it fits, we issue a scope letter and required data list.
2. Structuring Sprint (2–3 weeks): Build the facility structure, cash waterfall, collateral map, and covenant grid. Draft teaser/IM and data room. Identify likely lenders and investors.
3. Go‑to‑Market (3–6 weeks): Run the process. Field Q&A. Negotiate term sheets. Align lawyers. Lock hedging policies if needed. Select a lead.
4. Documentation & CPs (2–5 weeks): Final docs, collateral perfection, KYC/AML, insurance, warehouse agreements, account control. We manage the checklist and push counter‑sides to hit dates.
5. Funding & Monitoring: Drawdown. We stay on as monitor or arranger of record if needed. Borrowing base updates, covenant checks, waiver negotiations, refinancings.

Timeline compresses if the borrower has data in order and a clean legal setup. It drags if nothing is in place. We say that on day one.

6. What Lenders Want To See (and What We Patch)

• Reliable financials and trade history: audited or at least reviewed statements, shipment trackers, buyer payment records.
• Collateral that is real and controllable: warehouse receipts, assignment of receivables, escrow accounts, LC proceeds, title docs.
• Hedging and FX policy: documented, enforced, matched to exposure.
• Legal clarity: enforceable security in the right jurisdictions, clear governing law, dispute resolution clauses that work.
• Operational controls: inventory counts, KPI dashboards, early warning triggers.

If you are missing pieces, we source or build them: interim CFOs, warehouse auditors, hedging advisors, local counsel. No fluff, just what the lender needs to sign.

7. Pricing & Fee Model

We charge a mandate fee to get started, plus a success fee on closed capital. For ongoing monitoring or agent roles, we add an annual retainer. Exact numbers go into the engagement letter once we know the work. If you want “success fee only”, expect a higher clip and stricter exclusivity. We do not fund appraisal letters or data rooms out of pocket.

8. Why FG Capital Advisors

• Commodity fluency. We have traded, financed or diligenced everything from cocoa beans to copper cathodes. We speak trader, banker and lawyer.
• Speed without fantasy. We cut dead ends fast. If the deal is trash, we say so. If it’s real, we push it through or tell you which piece will break.
• Counterparty network. Banks that still do trade, private credit that likes self‑liquidating risk, traders that prepay, insurers that actually pay claims.
• Paper that stands up. Security packages that enforcement counsel won’t tear apart in court.

9. What You Need Ready Before We Start

• Past 2–3 years of financials (audited preferred).
• Detailed trade flow: suppliers, buyers, Incoterms, payment terms, logistics.
• Collateral schedule: inventories, receivables ageing, warehouse locations, insurance policies.
• Corporate docs: share register, board resolutions, licences, litigation records.
• Hedging/FX policy, if any. If none, we can draft one with you.

Clean data saves weeks. Sloppy files burn fees. Your call.

10. FAQ (Short and Honest)

Do you guarantee funding?

No. We don’t promise what we don’t control. We increase the odds by bringing the right structure and the right counterparties.

How much do you raise?

From $5m bridges to $250m+ syndicated borrowing bases. Outside that range, we still look and say early if it’s viable.

Can you work with our bank?

Yes. We can bring in a second line, a mezz layer, or restructure the base facility so your bank stays first‑out but you still get headroom.

Do you take equity?

If the deal calls for it. We prefer fee‑based mandates, but we’ll take a slice if upside is clear and fees are capped.

How fast can you move?

A week for a clean bridge. 8–12 weeks is normal. Longer if lawyers argue while cargo sits at port.

Disclaimers

• No public solicitation. We work with qualified companies and professional investors only.
• All structures are subject to underwriting, legal review and regulatory constraints in relevant jurisdictions.
• Commodity prices, FX moves and counterparty defaults can destroy margins. Paper alone won’t save a broken trade.
• Figures, timelines and examples above are illustrative. Final terms sit in signed documents, not on this page.