A single weighted current that swells, curls, and tapers into a cyan spark — the trade flow we power: goods, capital, and information moving as one continuous current, terminating in clarity.
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.
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.
Explore finPhlo→“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.”
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