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.
Yes. A bank guarantee can be used as a form of credit enhancement to support a business loan or credit facility, subject to the lender’s policy and the guarantee’s terms. In plain terms, a guarantee changes the lender’s risk position by adding a stronger payment source if the borrower defaults.
What matters is not the label. What matters is whether the instrument is issued by an acceptable bank, structured to be callable in a way the lender can rely on, and sized and timed to match the loan exposure.
The guarantee acts as a secondary payment promise. If structured properly, it can reduce perceived loss risk and improve approval odds, pricing, tenor, or collateral requirements.
In many markets, lenders are more familiar with an SBLC as a loan backstop than a demand guarantee, though both can be used depending on jurisdiction and policy. Rule sets and wording are confirmed per issuer and transaction.
Guarantee-backed lending is common in corporate finance, trade finance, and project-driven financings, especially where the borrower’s standalone profile is not sufficient for the requested leverage, tenor, or pricing. It is also common when a lender requires a backstop for covenant breaches or performance risk.
That said, some lenders will not treat third-party bank guarantees as “cash equivalent” collateral unless the issuer is on their approved list and the wording is compatible with their enforcement and claim process.
Another common route is a corporate guarantee by a parent company or stronger affiliate, rather than a bank-issued guarantee. In that case, the lender underwrites the parent’s financial strength, enforceability, and willingness to support the obligation. The strength of this structure depends on jurisdiction, legal enforceability, and clarity of remedies.
| Guarantor Type | Typical Use Case |
|---|---|
| Bank Guarantee or SBLC | When the lender wants a bank-grade payment backstop subject to acceptable issuer and wording. |
| Parent Company Guarantee | When a group structure exists and the parent has stronger balance sheet and covenant capacity. |
| Cash Collateral | When speed and certainty are prioritized, or where lender policy is strict on non-cash collateral. |
The cost and feasibility depend on the guarantor’s credit strength and the collateral available to support issuance. Some issuers require cash collateral or a counter-guarantee. Others may accept eligible assets under a structured pledge, subject to policy.
No. Most lenders have approved issuer criteria and will review wording, claim mechanics, and enforceability before giving credit for the instrument.
They can serve a similar credit enhancement function, but they are different instruments and are often governed by different rule sets. The right choice depends on jurisdiction, issuer policy, and lender acceptability.
It can reduce the collateral burden in some structures, but it rarely eliminates underwriting requirements. Lenders still assess the borrower’s cash flows, security package, and the guarantor’s strength.
Sometimes. If the parent has strong financials and the guarantee is enforceable, some lenders prefer a corporate guarantee over a third-party instrument. The credit committee will decide based on policy and legal enforceability.
No. Financely provides advisory and coordination. Outcomes depend on eligibility, diligence, compliance, credit approvals, and definitive documentation.
If you want to use a bank guarantee or SBLC to support a business loan, submit your facility request, borrower profile, jurisdiction, timeline, and available collateral. We will revert with a structured pathway, issuer and lender expectations, and an underwriting checklist.
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 or commitment by Financely or any third party to provide any financing, bank guarantee, standby letter of credit, or other instrument. Financely is not a bank, lender, insurer, surety, broker-dealer, or investment adviser. Any instrument or facility is provided solely by regulated counterparties under their own licenses, approvals, policies, and documentation. All transactions are subject to eligibility, KYC and AML review, sanctions screening, credit approval, and execution of definitive agreements.
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.
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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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