We lead the credit work and place a partial credit guarantee with a qualified guarantor so lenders can close. Typical coverage is 80% to 90% of the loan principal. The sponsor brings equity. Exceptions are possible where the balance sheet is strong, collateral is solid, or cash support is ring fenced. We do not lend our own capital. Our job is to build a bankable file, line up a guarantor, and coordinate the lender to signing and funding.
| Item | Term | Notes |
|---|---|---|
| Facility Type | Term loan or revolving line provided by a qualified lender | Working capital, equipment, capex, project finance, commercial real estate |
| Loan Size | USD 2,000,000 to USD 200,000,000 typical; larger by syndication | Subject to sector, structure, and guarantor capacity |
| Guarantee Coverage | 80% to 90% of outstanding principal, pro rata with amortization | Lender retains at least 10% unguaranteed risk |
| Guarantee Instrument | First demand payment guarantee or surety bond in favor of lender | Claim pays on qualifying default events after cure period |
| Triggers and Claims | Payment default after 10 to 30 day cure, insolvency, acceleration, enforcement | Exclusions for fraud or illegality by the borrower |
| Tenor of Guarantee | Matches loan maturity with 3 to 6 month tail for claim settlement | Early termination only with lender consent and payoff |
| Sponsor Equity Requirement | 10% to 30% of project cost or tangible equity at risk in the borrower | Exceptions possible for strong balance sheets, cash collateral, or additional security |
| Collateral and Liens | Senior lender holds first lien over agreed collateral; guarantor holds indemnity and security interests as negotiated | Intercreditor agreement defines priority, standstill, and enforcement steps |
| Security to Guarantor | Corporate indemnity, share pledge, assignment of key contracts, and cash reserve or DSRA where required | Security ranks per the intercreditor deed and local filings |
| Coverage Tests | Minimum DSCR 1.20x to 1.35x; maximum leverage 3.0x to 4.0x net debt to EBITDA where relevant | Adjusted for sector volatility and contract quality |
| Loan Pricing Impact | Lender margin reduced relative to an unguaranteed loan of similar risk | Final rate set by lender after credit approval and guarantee confirmation |
| Guarantee Fee to Guarantor | 1.50% to 3.50% per annum on the guaranteed amount, paid quarterly or annually | Depends on rating, structure, tenor, and recovery prospects |
| Our Fees | Engagement fee USD 15,000 to USD 45,000; success fee 2.00% of committed facility at initial closing | Covers underwriting, data room, market soundings, and documentation support |
| Conditions Precedent | KYC and sanctions clearance, executed documents, perfected security, insurance naming lender and guarantor as loss payees, DSRA where applicable | Tax and regulatory matters cleared before first draw |
| Covenants and Reporting | Quarterly financials, annual audited statements, compliance certificate, information rights for lender and guarantor, restrictions on additional liens and indebtedness without consent | Sector specific tests may apply |
| Claim Process and Subrogation | Claim window 10 to 30 days after default and cure expiry; guarantor pays the covered share then steps into lender rights for recovery | Recoveries shared per intercreditor waterfall |
| Governing Law and Jurisdiction | New York or English law for finance and guarantee; local law where assets are located for security perfection | Final choice agreed by lender and guarantor |
| Offer Validity and Timeline | Term sheets valid 30 days; execution timeline 3 to 8 weeks from engagement depending on liens and approvals | Faster where documents are complete and security is clean |
| Document | Purpose | Notes |
|---|---|---|
| Audited or reviewed financials 2 to 3 years, YTD management accounts | Credit analysis and trend review | Segment detail where relevant |
| Financial model with assumptions and sensitivities | DSCR, leverage, and covenant sizing | Case run: base, downside, severe downside |
| Collateral schedule and valuations | Lien and recovery analysis | Appraisals as needed |
| Material contracts and licenses | Cash flow support and consent needs | Assignments mapped if required |
| Corporate documents and KYC | Authority and compliance checks | Ownership chart and resolutions |
| Insurance schedule and broker letters | Risk transfer and loss payee confirmations | Business interruption where relevant |
If your project can support a partial guarantee and you can keep real equity at risk, we can run the credit work, secure a guarantor, and close with a lender.
Request a Proposal Can the guarantee cover 100% of the loan
No. Lenders must retain risk. Coverage is typically 80% to 90%.
Do I still need equity
Yes. Expect 10% to 30% equity at risk. We consider exceptions only where there is strong collateral or cash support that truly offsets risk.
Who pays the guarantee fee
The borrower pays the guarantor fee directly or through the loan. Our fees are separate and relate to underwriting and placement.
What happens after a claim is paid
The guarantor pays the covered share and steps into lender rights for recovery. Recoveries are shared per the intercreditor waterfall.
Will the guarantee reduce my interest rate
Usually yes. The lender margin is often lower once the guarantee is in place. Final pricing is set by the lender.
How fast can this close
Three to eight weeks is common when documents are complete and liens are clean. Complex security or approvals take longer.
We are a credit structuring and placement team. We do not lend or provide guarantees from our own balance sheet. All outcomes depend on credit approval by the selected lender and guarantor, completion of KYC and sanctions screening, execution of definitive documents, and perfection of security.
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, 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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