Trade Finance Lifecycle From KYC to Settlement
Commodity trade finance is still drowning in manual processes — KYC checks take weeks, facility creation takes days, and collateral monitoring lives in spreadsheets. finPhlo digitises the entire lifecycle from borrower onboarding to loan settlement, cutting facility creation from a week to four hours.
Key Metrics
- $400M: Assets under management
- 4 hrs: Facility creation (was 1 week)
- 15%: Revenue increase for clients
- 160+: Bank relationships managed
How Phlo Systems solves this
KYC & Borrower Onboarding
Structured KYC workflows with document collection, sanctions screening, and risk scoring. Onboard new borrowers in hours, not weeks.
Facility Creation & Structuring
Configure revolving credit, pre-export finance, and receivables facilities with multi-tranche structures, covenants, and drawdown schedules.
Loan Lifecycle Management
Drawdown requests, interest accrual, repayment scheduling, and rollover management. Full audit trail from origination to final settlement.
Collateral & Inventory Monitoring
Real-time collateral valuation against warehouse receipts, bills of lading, and receivables. Automated margin calls when coverage ratios breach thresholds.
Multi-Bank Syndication
Manage participations across 160+ banking relationships. Automated allocation, settlement, and reporting for syndicated facilities.
Regulatory & Portfolio Reporting
Basel III/IV-aligned exposure reporting, concentration analysis, and portfolio risk dashboards. Export-ready for internal audit and regulatory submissions.
Powered by finPhlo
A digital trade finance platform that manages the full lifecycle — from KYC and facility structuring to collateral monitoring and loan settlement.
“finPhlo took our facility creation process from a week of back-and-forth to under four hours. The collateral monitoring alone has paid for the platform many times over.”
— Patrick Funaro, Euro Asia Transshipments (EAT)