10 Structured Finance Joker-Broker and Scammer Archetypes
The 10 Joker-Broker Archetypes We Filter Out
We serve bankable sponsors. Everyone else is noise. Below are the ten most common joker-brokers and time wasters, the tells that give them away, their typical lines, and the kill switches that end the exchange fast.
The Archetypes
Tells: “tier one traders,” compounding returns, MT799 demands, no auditeds.
Tells: “leased paper,” 70–80% non recourse cash out, screenshots from Telegram.
Tells: hotel or CRE buys with 0 GP cash, no guarantees, asks for 98–100% LTC.
Tells: EN590 or JP54 rotations, no title, no tankage, no prepay, wants multi-billion line.
Tells: stacks NDAs before sharing anything, five brokers chained, no mandate.
Tells: one-page LOI, no data room, wants soft terms to shop around.
Tells: refuses passports and BO registers, cites secrecy, wants KYC after funding.
Tells: fake urgency, no diligence, wants commitment now and docs later.
Tells: calls retainers a scam, wants success fee only, asks for free modeling.
Tells: asks for our bank coordinates or RWA letter as “comfort” before anything else.
What passes the screen
Cash in, bank statements, escrow confirmations, or verified vendor deposits.
Historicals, model with cases, contracts, permits, third-party reports, cap table.
KYC, AML, BO, and sanctions checks cleared without debate.
Activation for intake and screening, retainer for underwriting and legal work.
Ready for real underwriting
If you have equity, a defendable model, and the discipline to follow procedure, start the process. If you want free services, do not apply.
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Share your capital need, equity committed, and current data room status. We will respond with scope, fees, and a plan grounded in credit reality.
Contact UsFinancely provides investment banking advisory on a best-efforts basis. We are not a broker-dealer. We do not guarantee funding. All engagements require activation and retainer fees, KYC and AML, and full underwriting. We do not participate in PPP, bullet trades, leased-instrument monetization, or any structure that fails banking practice or applicable law. We address patterns of conduct, not private individuals. Defamatory statements are documented for counsel where required.
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