We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
What the bank sees: an instrument request without a defined obligation, contract schedule, or use of proceeds.
Fix: provide the executed or near-final contract extract (parties, amount, expiry, governing law, SBLC schedule). If the deal is still in flux, stop promising issuance dates.
What the bank sees: missing ownership mapping, missing IDs, inconsistent addresses, or unexplained ownership layers.
Fix: submit a complete KYC pack once, including corporate registry docs, shareholder registers, beneficial ownership chart, and signatory proof.
What the bank sees: restricted jurisdictions, higher-risk industries, or counterparties that fail screening.
Fix: be transparent about all jurisdictions and parties. If there is a risk hotspot, the file must be structured around a bankable routing and compliance approach.
What the bank sees: “we will pay it back” without cash flow proof, contracts, or audited financials.
Fix: provide financial statements, bank statements where relevant, and a simple repayment model that matches the contract timeline and operating cycle.
What the bank sees: illiquid assets, unperfected security, third-party assets without consents, or collateral that cannot be controlled.
Fix: propose collateral the issuer can actually take and control. If you are assuming “no collateral,” read Standby Letter of Credit With No Advance Payment Don’t Exist.
What the bank sees: a performance obligation backed by a payment standby, or a payment obligation drafted as performance.
Fix: align SBLC type and draw set to the contract. Use SBLC Wording Templates as a starting point, then tailor.
What the bank sees: court orders, third-party certifications, or open-ended evidence requirements that create document examination risk.
Fix: keep the draw set tight and objective. Banks want document compliance tests, not broad factual investigations.
What the bank sees: wrong BIC, wrong branch, mismatched beneficiary name, or missing address fields.
Fix: confirm advising bank SWIFT details in writing and keep names consistent across the contract, KYC file, and SBLC draft. For mechanics, see MT-760 SBLC Complete Guide.
What the bank sees: repeated redrafts and amendment requests after internal approvals have already been lined up.
Fix: get the beneficiary’s required text and rules before underwriting finishes. Late changes create real cost and delay.
What the bank sees: numbers that do not reconcile, multiple versions of the contract, missing signatures, and unclear ownership.
Fix: submit a lender-ready pack with consistent naming, reconciled financials, and one authoritative draft set. The process view is outlined in How Our Platform Works.
| Rejection Reason | What It Usually Means | Fastest Fix |
|---|---|---|
| Unclear transaction | No bankable obligation and schedule | Contract extract + SBLC schedule + defined use case |
| KYC/AML gaps | Ownership and signatory file not complete | Full corporate docs + BO chart + IDs in one submission |
| Country/counterparty risk | Compliance risk exceeds policy | Restructure parties, routing, or jurisdiction exposure |
| Weak repayment | No credible source of repayment if drawn | Financials + repayment model tied to cash cycle |
| Collateral not acceptable | Issuer cannot control or perfect | Propose bankable collateral and controls |
| Wrong SBLC type | Misalignment with contract risk | Re-draft as financial or performance as required |
| Impossible draw set | Evidence conditions too heavy | Tight demand + statement approach (as acceptable) |
| Bad SWIFT details | Delivery cannot be executed cleanly | Confirm advising bank BIC and beneficiary naming |
| Beneficiary rejects | Acceptance criteria not captured early | Get beneficiary template and pre-align wording |
| Disorganized file | Internal review time expands | Lender-ready pack with one version of truth |
Submit the transaction details and documents through the portal. We respond with feasibility and next steps, or a written reason for decline.
Are SBLC rejections final?
Sometimes. If the issue is sanctions or policy exclusions, it can be final for that issuer. If the issue is missing documents, weak structuring, or wording mismatch, many files can be corrected and resubmitted.
What is the fastest way to reduce rejection risk?
Submit a complete KYC pack, provide a clear underlying contract schedule, and align SBLC wording with beneficiary acceptance before issuance. Use Standby Letters of Credit FAQ to check common requirements.
Why do banks care about collateral if the SBLC is “contingent”?
Because contingent risk becomes funded risk at draw. The bank underwrites the applicant’s ability to repay and the bank’s ability to realize collateral if repayment fails.
Does MT760 guarantee the beneficiary will accept the SBLC?
No. MT760 is the transmission message. Beneficiary acceptance depends on the SBLC text meeting their requirements and the contract schedule.
What is the most common wording mistake?
Overly complex draw conditions. Banks examine documents, not facts. If the standby demands “proof” that is hard to obtain, you get rejections and delays.
Where can I start if I do not know what to submit?
Start with How To Apply for A Standby Letter of Credit and the SBLC Eligibility Checklist for SMEs.
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.
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request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
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, engagements 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 and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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