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Trade & commodity finance
Warehouse Receipt Finance for Agro Commodities
Unlock finance against stored agro commodities
Agricultural commodity prices and cash-flow requirements do not always move together.
Warehouse Receipt Finance can help eligible borrowers raise working capital against qualifying agricultural commodities stored in approved or acceptable warehouses.
Instead of immediately selling stored commodities to meet liquidity requirements, eligible businesses may be able to use warehouse receipts as part of a structured financing arrangement.
Benefits
- Unlock liquidity from eligible stored commodities
- Reduce pressure for immediate sale
- Support seasonal working-capital needs
- Finance commodity procurement
- Improve trading flexibility
- Support processors and agri-businesses
- Better align inventory holding with cash-flow requirements
Who Can Apply?
Depending on the lender and transaction structure:
- Commodity traders
- Agri-processors
- Aggregators
- Eligible farmers or farmer-linked entities
- Food-processing businesses
- Agri-based MSMEs
- Other eligible commodity businesses
Commodities
Eligible commodities vary by lender and may depend on:
- Commodity type
- Quality and grade
- Storage conditions
- Warehouse approval
- Marketability
- Price volatility
- Applicable regulatory requirements
Documents usually needed
Not needed to enquire. Lenders may ask for more or fewer, depending on the facility.
Proprietorship
- PAN and Aadhaar of the proprietor
- Business proof: GST registration, Udyam certificate or shop licence
- Bank statements for the last 6–12 months
- Income tax returns and financial statements for the last 2–3 years
Partnership or LLP
- Partnership deed or LLP agreement, and firm PAN
- PAN and Aadhaar of the partners
- GST registration and business address proof
- Bank statements for the last 6–12 months
- Income tax returns and financial statements for the last 2–3 years
Company
- Certificate of incorporation, MoA and AoA, and company PAN
- PAN and Aadhaar of the directors
- GST registration and a board resolution for the borrowing
- Bank statements for the last 6–12 months
- Audited financial statements for the last 2–3 years
Also for Warehouse Receipt Finance
- Warehouse receipt from an approved warehouse
- Commodity quality and quantity details
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Indicative estimates, calculated in your browser.
FAQs
Questions about Warehouse Receipt Finance
What is Warehouse Receipt Finance?
It is financing where eligible stored commodities and related warehouse documentation form an important part of the transaction and security structure.
Do commodities have to be stored in an approved warehouse?
Lenders generally have specific requirements regarding acceptable warehouses and storage arrangements.
Can farmers use Warehouse Receipt Finance?
Eligibility depends on the lending institution, applicant structure, commodity and applicable program requirements.
How much finance can be obtained?
Eligible funding generally depends on commodity value, applicable margin, price volatility, quality, storage and lender policy.
What happens if commodity prices fall?
Lenders may require margins or other risk-management measures. Specific terms depend on the financing agreement.
Can the commodity be sold while the loan is outstanding?
Release and sale procedures generally require compliance with the lender's agreed repayment and security arrangements.
Why Loan2Business?
- Multiple finance solutions under one platform
- Solutions for MSMEs, manufacturers, traders and service businesses
- Secured and unsecured lending options
- Working-capital and supply-chain financing
- Assistance with loan documentation and application
- Access to financing options from eligible lenders
Warehouse Receipt Finance
Turn Stored Commodities into Working Capital
Use eligible warehouse-held inventory to support your procurement, trading and operational cash-flow needs.
Transparent by design
- Fees, where applicable, are disclosed in writing before you proceed.
- We never guarantee approval—final credit decisions and terms remain with the respective lender.
- We never ask for OTPs, passwords or unauthorised payments.
Offices in Mumbai & Pune · Supporting businesses across India
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