# 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)