finPhlo / How it works

The finance side of every stage of a trade

A trade is planned, financed, hedged, executed, settled and accounted for. finPhlo tells you whether a deal works before you commit capital, funds and hedges it, and shows what it is really costing until the cash is in. One sign-in across the whole Phlo platform.

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The trade, end to end

Six stages, one record of the trade

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 the plan is approved, and the books move with every one of them. finPhlo carries the finance side of each stage; opsPhlo and tradePhlo carry the rest, on the same record.

1

Plan: know the margin before you commit

Model the full economics of the deal before capital is committed: cost of supply, freight and insurance, duty, funding cost, FX and incoterms. Mark the deal feasible or not, then push the draft purchase or sales order straight into opsPhlo.

Explore trade feasibility
2

Finance: a plan a lender can underwrite

The feasibility case becomes the funding case. finPhlo tracks every facility against the order, stock or invoice it funds, and gives each financier a scoped view of its own exposure, from onboarding through the life of the facility.

Working capital & facilities
3

Hedge: currency exposure as it arises

Buying in one currency and selling in another, on different payment dates, creates exposure the day each contract is signed. finPhlo shows it live and tracks the forwards against it. Commodity hedges are run in opsPhlo on the same trade.

FX and hedging
4

Execute: the trade runs in opsPhlo

The trade is contracted, shipped and cleared in opsPhlo and tradePhlo. finPhlo stays in sync with every change, so drawdowns, collateral and margin move with the physical trade, with no double entry.

See opsPhlo
5

Settle: letters of credit, prepayments and payments

Advances, letters of credit, financier prepayments and the final settlement after claims and adjustments, each tied to the facility it draws on and the invoice it clears, until the cash is in and the line is repaid.

6

Account: treasury and the cash forecast

Every movement feeds the cash forecast, facility headroom and the actual margin after financing cost and hedge timing. What each closed trade costs in reality sharpens the plan for the next one.

The Phlo platform

Three products deliver the six stages

A stage can use more than one product. opsPhlo runs the trade and the books, finPhlo the finance around it, tradePhlo the goods across borders. xPhlo is finPhlo's on-chain module.

The Phlo platform: opsPhlo, finPhlo with xPhlo, and tradePhlo, one sign-in

opsPhlo

The trade ERP and CTRM. Where the trade is executed: contracted, hedged, shipped, invoiced and accounted. finPhlo reads from it directly.

opsphlo.com →

finPhlo

The finance layer: trade feasibility, cash, FX, facilities and lender reporting, before and after execution.

xPhlo, a finPhlo module: on-chain trade finance. xphlo.com →

tradePhlo

Moving goods internationally: customs declarations, HS classification, FTA and sanctions checks, and duty recovery.

tradephlo.com →

One portal at app.phlo.io. Sign in once, work across every product and module.

Facilities

Every facility type, tracked against the trade it funds

Whatever your banks lend against, finPhlo links each drawdown to the order, stock or invoice behind it. Phlo is a software company, not a lender: your facilities stay with your banks.

Pre-shipment finance

Drawdowns linked to purchase orders.

Post-shipment finance

Tracked until the buyer pays.

Receivables financing

Each invoice mapped to its drawdown.

Inventory financing

Stock valued for collateral cover.

Warehouse stock

Receipts linked to the lending against them.

Short-term lines

Drawn short, repaid from the next inflow.

Integrations

Works with what you already use

finPhlo sits on top of your existing systems. Your ledger and your banks stay where they are.

opsPhlo

Trades flow in as they are booked. No double entry.

Accounting systems

Your ledger stays put. finPhlo connects by API or file import.

Bank data

Balances and transactions from your bank statements, with direct bank connectivity in development.

Market prices

Commodity and FX prices for mark-to-market and collateral value.

Other ERPs

Not on opsPhlo? Trade data comes in from your ERP by API.

Lenders & funds

Give each lender a scoped view of its own facility and reporting.

Both sides of the trade

Built for both sides of the trade

Traders use finPhlo to plan and manage the finance behind their trades. Trade finance funds and lenders use it to originate, fund and administer deals, with fund and NAV management, investor onboarding and a lender portal.

finPhlo for financiers

See the full flow on a trade like yours

Book a demo and we will walk you through the full flow: feasibility before you commit, execution in opsPhlo, and the finance view once the trade is live.

Book a demo Back to finPhlo