Convert clean, verifiable bank guarantees, standby letters of credit, and documentary letters of credit into funded term advances or revolving lines instead of waiting until expiry.
Letter of credit or bank guarantee monetization is a way to turn a future payment under a genuine LC or BG into immediate cash, and in the market it is often referred to as “LC/BG discounting.” Instead of waiting until the bank pays at maturity, a funder advances a percentage of the face value today.
The LC or BG remains in force, but the lender takes security over the instrument and, where relevant, the underlying contract or receivable. Pricing is set through a discount and interest margin that reflect the issuer, tenor, jurisdiction, and deal risk.
When the LC is honoured or the guarantee is called and paid, the lender is repaid from those proceeds, with any remaining balance after fees and interest released back to the beneficiary.
85% LTV
Indicative advance rate on qualifying LC and BG monetization facilities.
30–60 days
Typical timeline from signed mandate to funding for prepared clients.
60+ funders
Banks, private credit funds, and specialist LC/BG monetization lenders in our network.
We arrange funding against bank guarantees and letters of credit for sponsors, traders, and operating companies that need liquidity before maturity. Acting as your trade and structured finance advisor, we structure and place monetization facilities with banks, private credit funds, and specialist trade finance lenders where the issuer, wording, and underlying transaction can withstand proper scrutiny.
© Financely | Trade and Project Finance Advisory
Share a copy of your LC or BG (or final draft wording), SWIFT details, underlying contract, and basic financials so we can respond with a concrete view on advance rate, pricing, and structure. Request a quote today and we will review the instrument, confirm whether monetization is realistic, and outline the steps from initial assessment to a committed funding term sheet.
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, 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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