Obtain bank guarantees and performance bonds via regulated issuers. Underwriting, wording, compliance, and delivery for trade, EPC, and construction.
A bank guarantee or performance bond is only useful if the beneficiary accepts the issuer, the format, and the exact wording. Most failures are not “market conditions.” They are preventable: weak structure, sloppy terms, missing compliance, or an issuer that will not pass counterparty scrutiny.
Bank-issued guarantees used to support contractual obligations, credit support, and payment and performance undertakings where a bank instrument is required.
Surety-style bonds, typically issued by insurers or surety providers, used heavily in construction and infrastructure where bonds are the market norm.
Employer-required instruments tied to EPC, turnkey delivery, O&M, and subcontracting chains. Precision matters because draw terms determine real risk.
Instruments used to secure supply performance, advance payments, and delivery obligations in cross-border trade where beneficiary risk teams demand formal security.
Many buyers use the terms loosely. Issuers do not. The right instrument depends on the beneficiary’s requirement, jurisdiction, and market practice. We do not “force” a format. We structure to what will be accepted.
| Topic | Bank Guarantee | Performance Bond |
|---|---|---|
| Typical issuer | Bank | Insurer or surety provider |
| Common settings | Trade, project contracts, commercial undertakings | Construction, infrastructure, public tenders |
| Governing framework | Often URDG 758 or issuer form, plus local law | Bond wording under local law and surety practice |
| Core risk driver | Demand conditions and issuer’s payment obligation | Bond conditions, claims process, and surety defenses |
| What beneficiaries focus on | Issuer acceptability, draw mechanics, documentary conditions | Bond form compliance, enforceability, claims steps, jurisdiction |
This is underwriting and issuance coordination, not “introductions.” We do the work required for an issuer to approve, draft, and deliver an acceptable instrument. Engagement fees are quoted upfront based on instrument type, amount, jurisdiction, beneficiary requirements, and complexity.
| Workstream | Included Coverage |
|---|---|
| Eligibility and underwriting | Feasibility assessment, issuer-fit routing, and a lender-grade checklist based on the beneficiary’s requirements and contract terms. |
| Wording discipline | Drafting, redlines, and alignment to the underlying contract. Focus on demand triggers, expiry, governing rules, and presentation requirements. |
| Security and collateral logic | Support on secured versus unsecured posture, collateral options, and control mechanics required by the issuer, where applicable. |
| Compliance pack coordination | KYC and AML package assembly, beneficial ownership clarity, sanctions screening readiness, and remediation of gaps where feasible. |
| Issuance workflow | Coordination of issuer process, beneficiary delivery method, and any bank-to-bank messaging requirements if a bank instrument is used. |
| Lifecycle support | Support for amendments, extensions, reductions, and release mechanics, subject to issuer and beneficiary consent. |
Third-party costs are separate where applicable. These may include issuer charges, legal fees, local counsel, translations, notarization or legalization, collateral manager fees, insurance, and third-party reports.
Some instruments are issued on a secured basis, others on credit. You should assume the issuer will require evidence of repayment capacity and a defensible risk position. If your plan is “no documents, no collateral, no underwriting,” you are not asking for a real instrument.
More common when the applicant lacks a strong banking relationship or when the instrument amount is large relative to the balance sheet.
Possible for stronger applicants with financial strength, audited reporting, and issuer comfort on risk and enforceability.
| Stage | What Happens | Outcome |
|---|---|---|
| 1) Intake | We review the underlying contract, beneficiary requirements, amount, tenor, and jurisdiction, then issue a checklist. | Feasibility view and information request list. |
| 2) Underwriting | We tighten the structure, confirm the right instrument type, and produce an issuer-ready draft and compliance pack. | Issuance-ready documentation set. |
| 3) Issuance | We coordinate issuer approvals, execution of definitive documents, and delivery through proper channels. | Issued instrument delivered to beneficiary. |
| 4) Post-issuance | Support for amendments, extensions, and release steps, subject to consent and issuer process. | Controlled lifecycle management. |
No. Financely is not a bank or insurer and does not issue instruments. We arrange issuance through third-party regulated issuers under their own approvals and definitive documentation.
No. Issuance and acceptance depend on issuer credit approval, KYC and AML, sanctions screening, internal policies, capacity, and the beneficiary’s requirements. We run a best-efforts process focused on making the file issuable and acceptable.
Instrument type, amount, tenor, beneficiary identity and jurisdiction, the underlying contract or term sheet, required wording constraints, and the applicant’s corporate and KYC profile. If collateral is required, we need a clear summary of what is available.
Many guarantees follow URDG 758 or a bank’s standard form, plus local law. The controlling framework depends on beneficiary requirements and issuer policy. We draft to what will be accepted, not to generic templates.
Both exist. On-demand instruments require strict wording discipline. Conditional instruments can reduce draw risk but may be rejected by beneficiaries. The right choice is driven by the contract, beneficiary appetite, and issuer policy.
Submit the instrument requirement, contract context, and parties. We will revert with feasibility, a checklist, and a clear issuance path.
Request A QuoteDisclaimer: This page is for general information only. It does not constitute legal, tax, regulatory, investment, or credit advice and it is not an offer, solicitation, or commitment by Financely or any third party to issue a bank guarantee, bond, or provide financing. Financely is not a bank, lender, or insurer. Instruments are issued solely by third-party regulated issuers under their own credit approvals, KYC and AML, sanctions screening, internal policies, capacity constraints, and definitive documentation. Timelines are indicative only. Financely acts on a best-efforts basis as an arranger and documentation coordinator and does not guarantee issuance, acceptance, pricing, timing, or outcomes.
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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