Polite but direct: asking for a standby letter of credit with no upfront costs tells serious lenders you don’t grasp how bank paper is created. Before any MT760 is sent, real money is spent on underwriting, counsel, KYC/AML screening, documentation, and SWIFT. Expecting others to carry that spend while you contribute nothing is not “good negotiating”; it shows you’re not sponsor-ready.
1) No collateral, no credibility. Asking a bank to guarantee you while bringing nothing to the table is a fast rejection.
2) Underwriting comes first. Credit teams validate obligors, limits, documentation, and enforceability before any pre-advice or issuance.
3) Opportunity cost is real. Avoiding a modest diligence budget often costs more through lost discounts, execution delays, and damaged reputation.
4) SWIFT and counsel are cash items. MT799/MT760 traffic, external opinions, and compliance tools are paid in advance. Third parties don’t wait for “proceeds.”
5) “Pay at closing” attracts fraud. That line pulls in broker chains and time-wasters. Serious providers avoid it.
6) Equity still matters. An SBLC enhances credit; it doesn’t replace sponsor commitment or working capital.
7) KYC/AML is non-negotiable. Source-of-funds, UBO checks, sanctions, and contract provenance must be cleared—again, paid work upfront.
8) “Leased SBLC” is a myth. Banks issue, confirm, or advise. They don’t lease guarantees. Walk away when you hear this.
9) RWA/pre-advice letters follow diligence. They aren’t handed out so you can “shop a deal.” They appear once the work is largely complete.
10) Issuance is an endpoint. Receiving an SBLC isn’t the whole game; it’s the result of underwriting, documentation, and paid third-party inputs.
| Myth | Reality |
|---|---|
| “No upfront; fees from proceeds.” | Legal, compliance, data work, and SWIFT land before issuance. No funding, no workflow. |
| “Provider can guarantee approval.” | Mandates are best-efforts. Outcome depends on underwriting and bank capacity. |
| “Rush an MT760 this week.” | Data rooms, contracts, and approvals take time. Rushing triggers rejections. |
| “Leased SBLC available.” | Not a banking product. It’s broker slang. Avoid. |
| “Just issue a letter so I can show my buyer.” | Comfort/RWA letters follow diligence; they aren’t marketing props. |
Timelines depend on deal complexity and responsiveness. Expect weeks, not days.
| Item | When Paid | Purpose |
|---|---|---|
| Non-refundable retainer | On mandate | Data work, initial legal review, structuring memo, distribution prep. |
| Bank/legal third-party fees | Pre-issuance | External counsel, document drafting, compliance tools, opinions. |
| Issuer/confirming bank fees | At issuance | Instrument charges and SWIFT; amendments if any. |
| Success fee | At closing/funding | Payable on executed instrument or funded outcome per mandate. |
Ready to pursue a bankable process? If you understand collateral, opportunity cost, and underwriting—and you’re prepared to fund third-party work—we’ll structure and place your request with credible issuers.
Request Advisory SupportFinancely Group is a capital advisory firm. We arrange standby letters of credit through licensed banks on a best-efforts basis. All services are subject to KYC/AML, sanctions screening, and legal review. We do not issue instruments directly. Red flags we reject: guaranteed offers, unsolicited broker chains, and crypto payments via unofficial channels.
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestAccess non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestSecure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFinancely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagement may be carried out through Financely Group LLC, a non-deposit-taking non-banking financial company; Ashford Capital Advisory LLC; or another related entity. Financely and its affiliates are not registered as securities broker-dealers. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
exempt foreign private adviser pursuant to the Dodd-Frank Act, subject to applicable exemptions from certain regulatory requirements. Our services and regulatory status may vary based on the location and nature of the transaction. Click
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