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.
Trade Finance And Credit Enhancement
A letter of credit remains one of the most powerful instruments in global commerce.
It allows buyers and sellers to transact with confidence, even when they have never worked together before, and even when operating across borders, currencies, and legal systems.
This article explains what are letters of credit, how they function in banking, and the practical benefits of letter of credit structures in real-world trade.
The letter of credit meaning is straightforward: a bank-issued, conditional payment undertaking in favor of a seller, provided that specified documents are presented in strict compliance with the credit terms.
In other words, the bank substitutes its credit risk for that of the buyer.
The phrase LC letter of credit simply reflects industry shorthand. When professionals say “LC,” they mean letter of credit.
Letters of credit are financial instruments used to facilitate trade by guaranteeing payment once contractual conditions are met.
They are governed by internationally recognized rules and are accepted by banks, traders, and logistics providers worldwide.
At a practical level, letters of credit convert a commercial agreement into a bank-backed payment obligation.
From a banking perspective, a letter of credit is a contingent liability.
The issuing bank assesses:
Once issued, the bank is obligated to pay if compliant documents are presented, regardless of disputes between buyer and seller.
The documentary credit letter of credit is the classic form of LC used in international trade.
Payment depends exclusively on documents, not on physical inspection of goods.
Typical documents include:
A standby letter of credit (SBLC) functions as a secondary payment guarantee.
It is drawn only if the applicant fails to perform under the underlying contract.
Common SBLC use cases:
Sellers rely on the issuing bank’s obligation rather than the buyer’s promise.
Buyers avoid full prepayment and preserve working capital.
Commercial risk shifts from counterparties to regulated financial institutions.
Reduces country, currency, and legal risk.
Letters of credit generate fee income and anchor broader trade finance relationships.
Lenders often build layered facilities around LCs, including:
Financely structures these facilities using trade finance underwriting memo standards and all-asset lien packages where required.
A sample letter of credit typically includes:
Exact wording is critical. Minor discrepancies can block payment.
Despite digitalization, letters of credit remain central to global trade because they combine:
No alternative instrument has replaced this combination at scale.
Financely operates as a transaction-led trade and private credit advisory.
We structure LC-backed facilities, prepare lender-ready packages, and route transactions to banks and private credit funds.
Learn more about our process: What We Do.
If you have defined trade flow and counterparties, submit your transaction for structuring and placement.
Submit Your DealNo. They guarantee payment mechanics, not commercial success.
No. Banks still underwrite risk and may require collateral or security.
No. Banks decide. Financely structures and routes.
Typically USD 2.5M and above.
Letters of credit remain the backbone of global trade because they convert promises into bank-backed obligations.
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.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
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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