Follow the goods. Understand the transaction.
Trade finance connects the need for capital with contractual performance, physical goods and the collection of proceeds.
A transaction is more than an invoice.
Agricultural trade depends on counterparties, product quality, storage conditions, shipment, documentation and payment. Perishability and seasonality make the timing especially important.
The WAB model treats financing as part of that wider transaction. The purpose of each facility and its repayment route must remain visible throughout the movement of goods.
Different stages. Different structures.
Instrument selection depends on the underlying agreement, the parties and the risks.
Order & inventory finance
Evaluate pre-delivery funding against credible demand, production and control of goods.
Receivables finance
Assess a documented claim, the debtor and collection conditions.
Documentary instruments
Letters of credit, guarantees and collections connect defined obligations with bank processes.
Payments & cash management
Coordinate receipts, supplier obligations and liquidity across the transaction.
Keep the evidence close to the decision.
Counterparty verification, sanctions screening, document consistency and independent checks of goods are part of a disciplined trade process. Exceptions require an accountable review.
Digitizing a document does not prove that its contents are correct. The operating model must preserve source records, responsibilities and verification steps.
