Start with the truth. Not all advance fees are scams. In private credit, upfront fees are common because real deals take work before money moves. Underwriting, modeling, legal drafting, collateral checks, site inspections, KYC, bank charges, and insurer reviews cost time and cash. A real engagement puts these costs on a clear scope with invoices, deliverables, and controls. Scams ask for money with no contract, no paper trail, and no path to closing.
They ask for a diligence fee before they show a mandate or term sheet. No list of work, no vendors, no timeline.
How to verify: Demand a written scope, vendor names, invoices, and a start date. No paper, no payment.
They say funds are “in escrow” but give a personal account, a money service, or crypto wallet.
How to verify: Use a licensed attorney trust or regulated escrow. Confirm the account holder, license, and engagement letter.
Promoters sell “leased SBLCs” and ask for a swift fee or a small retainer to unlock millions. The paper is fake or unusable.
How to verify: Only work with real banks under ISP98 or URDG758. No MT messages or charges before KYC and a bank term sheet.
They ask for an upfront premium to a mystery insurer. No policy, no schedule, no broker of record.
How to verify: Get the draft policy, insurer name, broker authorization, and a binding timeline. Pay the insurer or broker, not a random intermediary.
Small “application” or “packaging” fees collected in volume with no real underwriting. You get a decline and a shrug.
How to verify: Ask who the credit authority is, what the tests are, and when a decision memo is produced. No authority, no fee.
They want a commitment fee before you see amount, price, tenor, covenants, security, or conditions precedent.
How to verify: Pay commitment fees only after a signed term sheet that names the funding entity and conditions.
They sell POF, BCL, or “bank comfort” letters to make your file look strong. Real lenders ignore these purchased letters.
How to verify: A real bank issues comfort only inside its own credit process. Do not pay third parties for status letters.
They request fees for MT799 or “pre-advice” traffic before any bank has run KYC or approved limits.
How to verify: Banks do not send authenticated messages until parties are onboarded and a facility exists. Decline and walk.
We scope the work, name the vendors, and show the path to funding before any large payment. If you want a real process, open the data room and get a term sheet.
Request a Term SheetFinancely is an advisory and placement firm. We are not a bank. All engagements require KYC and AML checks. Outcomes depend on lender or insurer approval. Instruments follow UCP600, URC522, ISP98, or URDG758 when applicable.
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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