finPhlo / How it works

The finance brain around your trades

finPhlo brackets the trade. It tells you whether a deal works before you commit, then shows you the finance reality once it is live. opsPhlo runs the execution in between. One sign-in, across the whole Phlo platform.

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The trade, end to end

Three stages, one record of the trade

finPhlo sits before and after execution. opsPhlo runs the trade itself, the two stay in sync, and there is no double entry between them.

1

Before: trade feasibility

Before you commit capital, model the full economics of the deal: cost of supply, expected margin, FX and funding cost, logistics and incoterms. Mark a deal feasible or not, then push the draft purchase or sales order straight into opsPhlo.

Explore trade feasibility
2

During: execution in opsPhlo

The trade is contracted, hedged, shipped, invoiced and accounted in opsPhlo, the trade ERP and CTRM. finPhlo stays in sync with every change, so there is no double entry and no reconciliation lag between the two.

See opsPhlo
3

After: the finance view

Once the trade is live, finPhlo gives you the finance reality in real time: cashflow, FX exposure and hedging, facility headroom, working capital funding, and the post-trade actual margin, the true cost of the trade after financing and hedge timing are accounted for.

FX and hedging →  ·  Working capital & facilities →

finPhlo wraps the trade: feasibility before, execution in opsPhlo, finance after
The Phlo platform

Three products, one sign-in

finPhlo is the finance brain. opsPhlo runs the trade. tradePhlo moves the goods. 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 brain: trade feasibility, treasury, FX, facilities and funding. It brackets the trade, before and after execution.

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

tradePhlo

Moving goods internationally: customs declarations, classification, FTA and sanctions intelligence, freight and duty recovery.

tradephlo.com →

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

Trade finance

Every type of trade finance

Request, track and manage drawdowns against your facilities, whatever stage of the trade you are funding.

Pre-shipment finance

Fund supply before goods move.

Post-shipment finance

Bridge the gap after dispatch.

Receivables financing

Unlock cash from invoices.

Inventory financing

Finance goods you hold.

Warehouse stock

Borrow against stored stock.

Gap funding

Cover short-term shortfalls.

Integrations

Works with what you already use

finPhlo connects to your existing systems. No rip and replace required.

opsPhlo

Pull trade data automatically. No double entry.

Accounting systems

Sage, Dynamics, Xero, Acumatica and more.

Bank feeds

Live balance and transaction feeds from your banks.

Exchange feeds

CME, ICE and DME price feeds for mark-to-market.

FX liquidity

Move from exposure to execution without leaving the platform.

Lenders & funds

Connect facilities and reporting on both sides of the trade.

Both sides of the trade

Built for both sides of the trade

Traders use finPhlo to plan and fund their trades. Financiers and funds use it to originate, fund and administer them, with fund and NAV management, investor onboarding and a lender portal.

finPhlo for financiers

See the finance brain around your trades

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.

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