Phlo
How we run trade

Six stages. One trade, run as one.

Every physical trade passes through six stages: plan, finance, hedge, execute, settle and account. They overlap: finance, hedging and execution can all start the moment a plan is approved, and accounting runs underneath every one. Most software owns one stage and stops at its edge. We run all six against one record per trade, with one AI layer that learns from each trade so the next is planned, funded, hedged and closed better.

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Stage 01

Plan

finPhlo Pre-Deal · tradePhlo Intelligence · opsPhlo

Before you commit to a deal, know what it will actually cost to land and what it will earn.

Today
  • Differential to ICE estimated by hand against last week's basis
  • Freight rate emailed from the forwarder, comes back the next day
  • Duty, preference and funding cost left out of the deal sheet
  • Margin worked out after the contract is signed, never checked against the result
With Phlo
  • Live differential to ICE London / NY snapped to the offer
  • Freight, insurance, duty, funding and operating cost held on the offer, next to the price
  • Trade agreement eligibility and landed duty checked before the contract is signed
  • Planned margin approved before signing, then tracked against actuals as the trade runs
Outcome
The real margin on one screen before you commit
Stage 02

Finance

finPhlo, for the trader and the financier

A plan a financier can underwrite, and the facility managed through its whole life.

Today
  • Borrowing-base reporting compiled by hand; covenant headroom a guess
  • PXF, LCs, bank guarantees, warehouse finance tracked in separate spreadsheets
  • The financier sees a spreadsheet, not the trade
  • Receivables financing decided deal by deal, often too late
With Phlo
  • Facilities tracked in one place: borrowing base, pre-export, LCs, receivables and warehouse finance
  • Borrowing-base reports compiled from live stock and receivables
  • The financier onboards the trader and follows the facility on the same data
  • Funding cost carried back into the deal margin
Outcome
Lend against the trade, not a spreadsheet
Stage 03

Hedge

opsPhlo · broker partners · finPhlo FX

Live price and currency exposure from the contracts you sign and the goods you move, hedged and managed through its life.

Today
  • Positions tracked in spreadsheets, refreshed weekly
  • FX exposure from buying in one currency and selling in another found at invoice time
  • Hedge cover hand-calculated; margin calls land as surprise emails
  • Rollovers and PnL attribution post-mortem'd weeks after the trade
With Phlo
  • Live position book and M2M against exchange price curves
  • Commodity and FX exposure generated from contract terms and operational events
  • Futures, forwards, options and OTC linked to the physical contracts, through your broker
  • Margin calls, rollovers and PnL attribution by trade, origin and hedge leg
Outcome
Live position, M2M and hedge cover
Stage 04

Execute

opsPhlo · tradePhlo

Counterparties, contracts, orders, shipments, documents, quality and customs on the trade record, until title passes to your buyer.

Today
  • KYC and sanctions checked once at onboarding, then forgotten
  • Deal sheet in Excel; fixations and rollovers tracked in side workbooks
  • Documents (BL, CI, certificates, COA) scattered across inboxes
  • Inspection results and claims re-keyed; EUDR data assembled by hand
  • Customs declaration re-typed from the PO into broker software
With Phlo
  • Counterparty record with KYC, credit limits and sanctions screening, re-checked whenever you need
  • Pricing terms (fixed, PTBF, differential), optionalities and amendments with a full audit trail
  • Shipments, containers, laytime and documents attached to the same record
  • Inspection, arrival re-test, claims and EUDR traced from farm to lot to shipment
  • UK customs and NCTS transit declarations filed directly with HMRC through tradePhlo
Outcome
One trade record, not five separate systems
Stage 05

Settle

opsPhlo · finPhlo · xPhlo

Advances, letters of credit, prepayments, final invoices, claims and rebates, paid across banks and currencies.

Today
  • Payment release tied to manual document checks
  • Provisional and final invoices reconciled by hand after discharge
  • Bank payment files built outside the system
  • Reconciliation between bank statement and AR/AP done weekly
With Phlo
  • Payments tracked against the documents and events they depend on
  • Provisional, final and claim invoices generated from the deal record
  • ISO 20022 payment files to your bank, and on-chain settlement through xPhlo
  • Bank-feed reconciliation: matches cleared, exceptions surfaced
Outcome
Cash back sooner, reconciled by exception
Stage 06

Account

opsPhlo accounting · finPhlo Treasury

Every event in the books as it happens, so the controller sees the trade, not a month-end surprise.

Today
  • GL postings done at month-end
  • Accruals for freight and duty guessed until the bills arrive
  • Cash projection built manually each Monday, drifts by Wednesday
  • Contract valuation and M2M kept outside the ledger
With Phlo
  • Budgets, accruals, actuals, AR/AP and inventory posted as each event happens
  • Contract valuation and M2M carried into the books
  • Cash forecast built from the trades, short, near and long term
  • Treasury, facilities and loan obligations in one place
Outcome
Postings continuous, month end shorter
The integration thesis

The same trade record flows through all six stages, and back again.

The friction in trade today sits between systems: the broker portal that doesn’t talk to your ERP, the bank statement that has to be re-keyed into the GL, the customs value entered at spot FX while your books carry the trade at the locked-forward rate. One platform means one customer record, one supplier record, one trade record, and no integration project each time you add a stage. And because the record runs from plan to account, what a closed trade teaches (actual against planned cost, realised against hedged margin, days to cash) feeds the next plan.

One record
From plan to account
Keyed once
Shared by trade, customs and finance
Preference checked
Trade agreement eligibility on every shipment
Auditable
Every document and change on the trade record
Get started

Start with the process that hurts most.

Some customers start with customs declarations, others with the trading book or the borrowing base. Every implementation starts with a written plan and a go-live date, and the next process joins the same record.

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