Phlo Systems
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Expert perspectives on commodity trading, customs compliance, trade finance, and supply chain technology.

Accounts Receivable Financing for Commodity Traders
finphlo.com

Accounts Receivable Financing for Commodity Traders

Commodity trading operates on thin margins and high volumes, making cash flow management critical to survival. With payment terms often stretching 30-180 days and deals frequently measured in tens of

Supply Chain Finance Explained: How to Unlock Working Capital
finphlo.com

Supply Chain Finance Explained: How to Unlock Working Capital

Supply chain finance represents one of the most underutilised tools for optimising working capital in modern business. Despite the global trade finance gap hitting $1.7 trillion according to recent es

Letter of Credit Management: Automating LC Processing End-to-End
finphlo.com

Letter of Credit Management: Automating LC Processing End-to-End

Letters of credit remain the backbone of international trade, facilitating approximately $3.5 trillion in global transactions annually. Yet despite their ubiquity, LC processing remains surprisingly m

What is Trade Finance Software? A Complete Guide for CFOs
finphlo.com

What is Trade Finance Software? A Complete Guide for CFOs

Trade finance software has evolved from a back-office necessity into a strategic differentiator for companies managing complex international transactions. As global trade volumes reached $32 trillion

Trade Finance Management Software: The £2.1M Working Capital Problem
finphlo.com

Trade Finance Management Software: The £2.1M Working Capital Problem

Commodity traders lose 18% of working capital to manual trade finance processes. Modern software cuts DSO by 35 days and reduces processing costs by 70%.

The cash flow implications of hedging commodity positions with futures
finphlo.com

The cash flow implications of hedging commodity positions with futures

Hedging trades P&L volatility for cash volatility. In stable markets the cash nets to zero; in trending markets it accumulates and can become large enough to force unwinds at exactly the wrong moment. A worked example, the cash buffer formula, and how to size hedges around your working capital.

Best Trade Finance Software for Commodity Trader CFOs in 2026
finphlo.com

Best Trade Finance Software for Commodity Trader CFOs in 2026

A CFO-grade guide to the trade finance software landscape from the borrower's perspective, not the lender's. Covers multi-facility visibility, covenant tracking, collateral cycling, and FX alignment for commodity traders running 4-12 lender relationships. Compares ERP-embedded treasury (SAP, Kyriba), borrower-facing platforms (Finastra, Surecomp, finPhlo), and when spreadsheets still work.