Finance trade & assets
Underwrite from live operational performance instead of month-old paperwork.
What this looks like from your desk
A committee reads a pack assembled by hand, weeks after the facts — and prices a business that has already moved.
Trade finance decisions are made on evidence that has already aged. The operator assembles a pack by hand, the committee reads it weeks after the facts occurred, and the underwriting reflects a business that has since moved on — in either direction.
For the operator, the same instrument that is supposed to unlock the deal is often what kills it. A letter of credit assumes one factory shipping to one buyer. Put a trading company in the middle and the beneficiary can't cash it. That is not a hypothetical here: it is how this group lost thirty million dollars of revenue in 2020, and the reason everything else exists.
Both sides are rational. The gap is that operational reality — what actually shipped, on time, at what quality, paid when — has never been available in a form a credit process can consume.
- This is you if
- You underwrite from a PDF pack the borrower assembled, and you know it.
- Your first indication takes three weeks, by which point the trade has often gone elsewhere.
- Operational performance — on-time delivery, QC pass rate, dispute history — reaches you as assertions in a deck rather than as a record.
- You are an operator whose bank keeps offering an instrument your factory cannot cash.
- Capital sits idle between close and the next viable deal because sourcing is a relationship business run on email.
Three weeks before a lender says anything at all, against thirty-one hours to a first offer on operational data. The gap is not diligence — it is the time it takes to assemble, transmit and re-key evidence that already existed.
After the record is shared
How an engagement runs
What happens, in order, with the timeline stated rather than implied.
The parts of the group that do this work
The figures behind the claim
Every number here is maintained on the Record with its source.
What buyers ask
When we are the wrong answer
Qualifying out early is cheaper for both sides than discovering it in month three.
You underwrite purely on balance sheet and have no interest in operational signals. Nothing here improves that process.
You need a regulated lending licence provided for you. We supply the operating rail; the licences are yours.
You want guaranteed deal volume. Flow is matched to your mandate, which means it is narrower and slower than a blast list — deliberately.
You're looking for consumer or unsecured lending. This is trade and asset finance only.
See a live deal, not a deck.
We'll walk a real listing end to end — the anonymised summary, the signals behind it, and what settlement looks like gate by gate.