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 | Documentary Credits
Letters of credit look straightforward: ship goods, present documents, receive payment. In practice, the letter of credit becomes a strict checklist. The bank examines documents “on their face” and compares them against the credit terms. If something does not match, the bank can refuse. That is not a negotiation. It is how documentary credits function.
Most discrepancies are not bad faith. They are drafting mistakes, operational misunderstandings, or documents produced by third parties (freight forwarders, insurers, inspection firms) who are not working from the same template. Exporters follow the commercial contract. Banks follow the letter of credit. When the contract and the credit are not aligned, the exporter gets trapped between two rulebooks.
| Discrepancy Type | What It Looks Like | How To Prevent It |
|---|---|---|
| Goods Description Mismatch | Invoice wording differs from the credit. Shortened descriptions, added marketing terms, or different model numbers trigger refusal. | Use the credit’s exact description language where required. Avoid extra text unless the credit allows it. |
| Quantity, Weight, Or Unit Conflicts | Different units across documents, rounding differences, net vs gross weight conflicts, or totals that do not reconcile. | Standardize units early and reconcile totals across invoice, packing list, and certificates before presentation. |
| Late Shipment Or Late Presentation | Shipment date is after the latest shipment date, or the document presentation is after the allowed presentation period. | Manage deadlines like a closing calendar. Build buffer time for weekends, port delays, and document issuance. |
| Transport Document Problems | Wrong consignee, missing endorsements, “claused” bill of lading, missing on-board notation, or incorrect port fields. | Confirm the transport document format required by the credit and instruct the forwarder accordingly. |
| Insurance Errors | Coverage amount does not match the required percentage, wrong risks covered, wrong currency, or dates not aligned. | Give the exact insurance clause to the broker and validate the coverage math and effective date language. |
| Certificate Requirements Not Met | Certificates have missing fields, incorrect issuer identity, wrong signatory, or wording that does not match credit requirements. | Use approved templates and confirm issuer and signing requirements before shipment. |
| Inconsistent Names And Addresses | Different spellings, abbreviations, or addresses across documents, especially between invoice and transport documents. | Create one master data sheet and copy from it across all documents. Do not retype. |
| Missing Or Incorrect Originals/Copies | Credit requires “3 originals” or specific copy counts and the set is incomplete or incorrectly marked. | Build a document matrix that includes copy counts and marking requirements before preparing the set. |
A pre-check is not generic proofreading. It is a structured review process designed to identify bank-facing issues before documents enter the banking channel. The goal is to remove avoidable refusal triggers while there is still time to correct documents.
Extract every required document from the credit and list issuer, required wording, signature, dates, and copy/original rules.
Control names, addresses, goods description, quantities, and reference numbers from one source to prevent cross-document drift.
Cross-check latest shipment date, presentation period, and any special timing clauses. Confirm third-party issuance timelines.
Reconcile totals, dates, and key fields across invoice, packing list, transport, insurance, and certificates before presentation.
If you are operating on a sight settlement, the process is even less forgiving. Our sight payment letter of credit advisory service is structured around pre-issuance review and pre-presentation checks to reduce refusal risk and timing delays.
Send the letter of credit and your draft document set. We will identify refusal risks and provide a structured remediation plan and quote.
Submit Your DealDescription mismatches across invoice, packing list, and the letter of credit wording are among the most common triggers for refusal.
Yes. Banks examine documents only. A correct cargo does not cure a non-compliant presentation.
Align the letter of credit wording with the contract early, then run a structured pre-check before presentation using a controlled document matrix and master data sheet.
It is not something to rely on. Waivers depend on the applicant’s willingness and the issuing bank’s process. Prevention is cheaper and faster than refusal recovery.
Educational material only. Financely provides advisory and structuring services only and does not issue letters of credit or act as a bank. Engagement begins after written acceptance and fee confirmation.
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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