Notice. This page is informational and does not constitute legal, tax, investment, lending, treasury, or hedging advice. All transactions remain subject to KYC and AML review, sanctions screening, underwriting, credit approval, legal documentation, treasury review where relevant, lender appetite, and transaction acceptance.
Up To 120 Day Trade Credit With FX Hedging Support
If you have a real trade transaction and need a lender to pay your supplier while you preserve working capital, we can help structure and distribute the file. You submit the invoice or commercial contract through our platform, we screen and package the transaction, and we match it with lenders that provide short-tenor trade credit for approved deals.
Where the underlying transaction carries material foreign exchange exposure, we can also position the file for an FX risk management overlay. That matters when your supplier is billing in one currency, your receivable is in another, or your treasury cannot absorb adverse moves during the tenor.
Request A QuoteHow The Structure Works
This is a transaction-based trade finance product, not unsecured working capital. The lender is underwriting an identifiable trade flow, supplier performance risk, buyer repayment risk, and document quality. That is why the file starts with a genuine invoice, purchase order, or commercial contract rather than a loose funding request.
Once submitted, the transaction can be routed through lender review, document screening, and trade-credit underwriting. Where approved, the lender pays the supplier or seller, which helps maintain use-of-proceeds discipline and reduces leakage risk. The borrower then repays the lender at maturity or on the agreed short-tenor schedule, up to 120 days depending on the file.
The cleanest files are straightforward: verifiable supplier, clear goods flow, bankable contract terms, commercially coherent margins, manageable currency exposure, and a borrower that can evidence repayment capacity within the requested tenor.
Visual Illustration Of The Process
Submit The Trade File
Upload the supplier invoice, purchase contract, and trade documents through our platform for preliminary screening.
We Structure And Match
We review the file, identify execution issues, assess currency exposure, and distribute it to lenders with appetite for short-tenor trade credit.
Lender Pays Supplier
For approved transactions, the selected lender funds the supplier directly under the agreed trade structure and transaction controls.
You Repay At Maturity
The borrower repays the lender on the contracted tenor, and where applicable the structure may include FX risk mitigation tied to the transaction.
Why FX Hedging Matters In Trade Finance
A trade can look profitable on paper and still turn ugly if the currency moves against you between supplier payment and repayment date. That is the problem. If the supplier invoice is denominated in USD but your collections are in EUR, GBP, or a local currency, you are carrying foreign exchange risk whether you call it that or not.
In short-tenor trade finance, that risk often gets ignored until the move is large enough to wipe out margin. For borrowers operating on tight spreads, that can wreck the economics of the transaction. A hedge is not always required, and it is not free, but for some files it is the difference between a controlled trade and a speculative one.
Where suitable, the structure may include an FX hedge or treasury-side protection mechanism so the borrower is not simply hoping the currency behaves. The exact tool depends on ticket size, currency pair, tenor, counterparty setup, and provider appetite.
Typical FX Exposure Scenarios
Supplier Currency Mismatch
Your supplier invoices in USD, but your operating cash flows or end-buyer collections are in another currency. The trade is now exposed to FX movement before repayment.
Margin Compression Risk
The transaction spread looks acceptable at the start, but a currency move during the tenor can compress or erase profit, especially in thin-margin commodity or distribution trades.
Unhedged FX exposure is still exposure. It does not become conservative just because the tenor is short.
What We Need To Review
Core Documents
- Supplier invoice or pro forma invoice
- Commercial contract, purchase order, or SPA
- Company KYC package
- Shipment and performance details, if available
- Currency of invoice and repayment source
What Lenders And Providers Care About
- Supplier credibility and sanctions exposure
- Borrower repayment profile and transaction margin
- Goods, route, jurisdiction, and tenor
- Document consistency and fraud prevention controls
- Currency mismatch and hedge suitability
Files with weak counterparties, inconsistent paperwork, unrealistic margins, or unmanaged currency exposure usually stall. Files with coherent trade logic, proper documentary support, and a credible treasury approach move far better.
Where We Fit In The Capital Chain
FG Capital Advisors acts on the front end of execution. We help package the file, position the transaction for lender review, and distribute to funding sources that participate in trade credit, supplier payment structures, and short-dated self-liquidating facilities. Where the deal warrants it, we can also help frame the FX risk component so the transaction is not being marketed as a naked currency bet.
We are not promising approval. We are helping present a bankable trade file to lenders and counterparties that actually assess this product class. Advisory, structuring, underwriting coordination, and any hedging-related execution support may involve fees depending on mandate scope.
Frequently Asked Questions
You submit the supplier invoice, commercial contract, or trade file through our platform. We review the structure, match the transaction with suitable lenders, and approved lenders can pay the supplier directly. The borrower then repays the lender on the agreed tenor, which may extend up to 120 days.
In some cases, yes. Where the transaction has material currency mismatch risk, an FX hedge may be considered alongside the trade credit structure, subject to lender, treasury, counterparty, and market conditions.
In a standard trade credit structure, the lender pays the approved supplier or seller, not the borrower as unrestricted cash. This keeps the facility tied to the underlying trade and gives lenders tighter transaction control.
Typical documents include the supplier invoice, purchase order, commercial contract, company KYC documents, shipment details if available, and any supporting trade history or buyer information relevant to underwriting.
No. Any trade credit or hedging-linked transaction remains subject to KYC and AML review, sanctions screening, counterparty checks, underwriting, legal documentation, treasury review where relevant, and final lender or provider approval.
Yes. Deal assessment, structuring, underwriting coordination, lender distribution, and any hedging-related execution support may involve advisory or underwriting fees depending on the file, ticket size, urgency, and execution scope.
If you have a live supplier invoice or contract and need a lender to step in on short-tenor trade credit, send us the file through our platform. If the transaction also carries FX exposure, include the invoice currency and the currency in which you expect to repay so the structure can be assessed properly from day one.
Submit Your Trade FileDisclosure. FG Capital Advisors provides trade finance advisory and lender distribution support on a best-efforts basis. We do not guarantee funding or hedging execution. Any facility or hedge remains subject to provider appetite, counterparty quality, jurisdiction, compliance checks, legal documents, market conditions, and the underlying transaction meeting underwriting standards.
