Frequently Asked Questions

Financely provides paid capital advisory and consulting services. We work with businesses, sponsors, acquirers, and asset owners that need professional support preparing and executing financing transactions.

Depending on the mandate, our work can include transaction assessment, structuring, financial review, lender materials, capital-provider mapping, distribution, diligence coordination, and process management. You can review the process on our How It Works page.

Structured debt advisory is the professional process of designing, preparing, marketing, and executing a debt financing transaction when the funding requirement cannot be addressed efficiently through a simple standard loan application.

The adviser assesses the borrower, transaction, cash flows, assets, security package, repayment sources, counterparties, and financing objectives, then develops a structure that can be presented to appropriate banks, private credit funds, specialty lenders, or other institutional capital providers.

Depending on the mandate, Financely's work may include transaction structuring, financial analysis, lender-facing materials, capital-provider mapping, competitive lender outreach, term-sheet comparison, diligence coordination, negotiations, and execution through closing.

Structured debt advisory is commonly used for transactions such as trade finance, project finance, acquisition finance, commercial real estate finance, asset-backed lending, working capital facilities, structured commodity finance, and other complex or cross-border financing requirements.

No. Financely is a paid capital advisory and consulting firm, not a direct lender. We do not make the final credit decision or provide a financing commitment from our own balance sheet.

Financely is also not a broker-dealer and does not solicit or accept securities orders. Where regulated securities activity is required, the transaction may involve appropriately regulated broker-dealers, investment banks, legal counsel, or other licensed professionals.

We support trade finance, structured commodity finance, project finance, Commercial Real Estate finance, acquisition finance, private credit, receivables finance, inventory finance, LC-backed transactions, and selected SBLC-related credit support.

For commodity deals, see our structured commodity finance page. For private credit mandates, see our private credit advisory page.

Our core clients are post-revenue B2B companies, transaction sponsors, asset owners, acquirers, and principals with a live commercial requirement. Financely generally serves companies with at least approximately USD 1 million in annual revenue, although project finance, asset-backed transactions, structured trade finance, and sponsor-led transactions may be assessed differently.

A suitable transaction normally has a defined funding amount, clear use of proceeds, credible repayment source, identifiable counterparties, supporting documents, and a client that can fund a professional advisory and transaction process.

Conventional corporate credit normally requires operating history and demonstrated cash flow. A newly formed project company may still be considered when it is supported by an experienced sponsor, committed equity, permits, material contracts, a credible financial model, and a defined path to repayment.

Early-stage concepts without commercial validation, sponsor capacity, transaction evidence, or the budget required for professional advisory work are generally not ready for lender placement.

If you have a live transaction, submit it through our deal submission page.

Include the amount needed, use of funds, country, borrower or sponsor details, repayment source, key documents, and timeline. Submission is the first step in determining whether a paid Financely mandate is appropriate for the transaction.

No. A submission allows us to review the opportunity and determine whether it may fit our scope. It does not create an advisory relationship, lender commitment, exclusivity arrangement, or obligation to proceed.

A paid consulting engagement begins only after the applicable engagement agreement has been completed and the required mandate fee has cleared.

The USD 500 quote request fee covers the initial professional assessment required before we can issue a transaction-specific proposal. A financing request cannot be priced responsibly from a headline amount and a short description alone.

We review the transaction, borrower or sponsor, use of proceeds, repayment source, jurisdiction, counterparties, available documents, proposed security, execution risks, and likely capital-provider appetite. We also identify missing information and determine the appropriate consulting scope, team, process, and commercial terms.

The quote request fee pays for this initial assessment. It is separate from the mandate fee and is not a payment for funding or lender approval. Clients can begin through our request a quote page.

We screen the transaction for mandate fit, document readiness, commercial logic, repayment capacity, jurisdiction, compliance risk, and likely capital-provider appetite.

If the transaction is suitable, we may issue a paid scope of work or engagement proposal. After engagement, the project can move into structured review, packaging, capital-provider mapping, distribution, and execution. Our deal preparation methodology explains how lender-ready files are built.

Most transactions require a company profile, financials, transaction summary, use of funds, repayment plan, contracts, collateral details where relevant, and evidence supporting the commercial transaction.

Trade finance files may also require purchase orders, invoices, LC terms, buyer and seller details, logistics documents, insurance, inspection terms, and information on the proposed payment flow. Detailed information is necessary because lenders underwrite the actual borrower, transaction, counterparties, and repayment source, not merely the requested amount.

Yes. Document preparation and transaction packaging can form part of a paid Financely mandate. We can identify gaps, organize the data room, refine the transaction summary, review the financial model, and prepare lender-facing materials within the agreed scope.

We cannot manufacture missing evidence, replace management records, prove authority that does not exist, or verify commercial facts that the client and counterparties cannot support.

Commercial information is handled for the purpose of reviewing and executing the mandate. Confidentiality terms may be included in the engagement documents or addressed through a separate agreement where appropriate.

We still require enough information to determine whether a transaction fits our scope. Once engaged, contracts, files, and mandate communications are managed through the Financely client portal whenever practical rather than fragmented email chains.

Clients and material counterparties may be required to provide incorporation records, beneficial ownership details, identification documents, source-of-funds or source-of-wealth information, transaction contracts, bank information, and other records required for KYC, AML, sanctions, and fraud-risk review.

Banks and institutional capital providers must understand who controls the parties, where funds originate, and whether the transaction is lawful and commercially credible. We may pause or decline a mandate when those matters cannot be verified. See our corporate and compliance disclosures.

Financely provides paid consulting services and our mandate fee is non-refundable. The mandate fee is paid to secure our availability for the project and reserve the team capacity required to perform the agreed advisory and execution work.

Once a mandate is accepted, we allocate resources to the transaction and may defer or decline other work in order to service it. The fee is therefore earned for reserving capacity and providing the professional services described in the engagement, not for producing a guaranteed financing outcome.

The mandate fee does not buy lender approval and is not refundable if a lender declines, the market changes, diligence identifies an issue, or the transaction does not close. Any milestone fee or success fee is separate and applies only where stated in the engagement agreement. See what structured finance retainer fees cover.

Because Financely is a paid consulting business. Our team performs material work before any lender can approve or close a transaction, including assessment, structuring, preparation, capital-provider mapping, distribution, diligence coordination, and execution management.

We do not finance a prospective client's advisory process by working for free until a third party makes a credit decision. The mandate fee is payable according to the engagement terms and is not deducted from future financing proceeds unless the written agreement expressly provides otherwise. A separate success fee may apply where stated.

Generally no. Financely is retained by the client that requires our consulting, transaction preparation, structuring, packaging, distribution, or execution support. The client is therefore responsible for our professional fees.

A lender, investor, bank, lawyer, diligence provider, or other third party may charge its own fees, but those are separate from the Financely mandate unless the engagement agreement expressly states otherwise.

Mandate pricing reflects the scope, transaction complexity, senior involvement, expected workstream, distribution effort, and capacity being reserved for the project. Where a narrower scope is commercially workable, we can define a smaller engagement rather than promise the same workload for a materially lower fee.

Some mandates may permit milestone-based payments. Any installment arrangement must be agreed in writing before the engagement begins. Where the full mandate fee is required upfront, the project is not activated until it has cleared.

Advisers can quote different amounts because they may be offering materially different scopes. Financely's pricing reflects the professional work, execution responsibility, transaction complexity, senior attention, distribution effort, and capacity reserved for the client.

The useful comparison is the scope, deliverables, process, accountability, and resources attached to the engagement rather than the headline fee alone.

Not unless the engagement agreement specifically says they are included. A transaction may require legal counsel, SPV formation, valuation work, technical reports, accounting, insurance, engineering, data-room services, bank charges, due diligence providers, or other specialists.

Clients should maintain sufficient liquidity for these transaction expenses in addition to Financely's consulting fees. A viable financing process can still stall if the sponsor cannot fund the professional work required to reach closing.

Financely is a paid consulting service and is designed for commercial clients that can fund a professional financing process. We generally do not postpone our mandate fee until a lender is found or take it from hypothetical future financing proceeds.

A company that cannot fund its own advisory and transaction costs may also have difficulty satisfying lender requirements for liquidity, equity contribution, working capital, diligence, or closing costs.

Capital-provider outreach normally begins after a paid mandate is active and the file is sufficiently complete for a credible presentation. We do not circulate unverified document dumps or use lender introductions as a free pre-engagement demonstration.

Our capital-provider mapping, relationship intelligence, targeting methodology, and distribution process form part of the paid consulting mandate. We therefore do not provide prospective clients with a lender list or arrange lender calls simply to prove that relationships exist. Review our underwriting process for more context.

You are free to approach lenders directly. Clients hire Financely because identifying names is only one part of execution. The harder work is determining which institutions currently finance the transaction type, how the deal fits their underwriting parameters, who should receive it, how it should be structured, and how diligence and negotiation should be managed.

Financely combines paid transaction preparation, capital-provider selection, distribution, and execution management. A spreadsheet of lender names does not perform that work.

No. Funding is never guaranteed because the final decision belongs to the lender or investor. Financely sells professional advisory and consulting services, not a guaranteed financing outcome.

Our mandate fee remains non-refundable because it pays for reserved availability, professional work, and execution capacity committed to the transaction. Lender decisions, market conditions, client responsiveness, documentation, diligence findings, and other factors can affect the result without changing the work performed under the mandate.

Timing depends on the financing type, document readiness, transaction complexity, lender process, KYC, legal work, credit approval, and closing conditions. Trade finance can sometimes move within a few weeks. Commercial Real Estate and acquisition finance often take longer, while project finance may take several months.

We can prioritize genuinely time-sensitive work when capacity and document readiness allow it, but urgency does not remove institutional underwriting. We will work toward a credible execution timetable rather than promise an artificial seven-day closing date controlled by third parties.

Common problems include incomplete financials, unclear authority, missing contracts, unverifiable counterparties, unrealistic pricing, insufficient sponsor equity, weak repayment capacity, unsupported collateral values, unresolved legal issues, sanctions exposure, and a structure that does not match market appetite.

Slow responses, contradictory documents, inadequate transaction budgets, and management teams that cannot answer diligence questions can also prevent an otherwise viable transaction from progressing.

Complete documentation, realistic expectations, strong financial reporting, a clear use of funds, credible repayment capacity, adequate sponsor liquidity, transparent ownership, responsive management, and verifiable counterparties all improve execution.

Clients that can answer diligence questions quickly and are willing to adjust structure in response to credible lender feedback are generally easier to take through an institutional financing process.

We may decline a transaction because of size, jurisdiction, documentation, economics, compliance concerns, unrealistic expectations, insufficient sponsor resources, lack of advisory budget, or a structure for which we do not see credible institutional appetite.

A rejection does not always mean the transaction can never be financed. The position may change if the structure, documentation, sponsor contribution, counterparties, economics, permits, repayment profile, or other material conditions improve.

Yes, where the intermediary has a genuine role. We can work with an authorized representative, consultant, or introducer when the principal is identifiable and the representative has direct access to decision-makers and transaction documents.

The ultimate client and transaction principals must remain identifiable. We generally do not accept long broker chains, anonymous principals, unverifiable mandates, or files where nobody can demonstrate authority to act.

Often, yes. A lender may request management calls, sponsor interviews, site visits, technical discussions, or direct diligence with the borrower and its advisers.

Financely coordinates those interactions as part of the paid mandate. Direct communication with introduced capital providers should follow the engagement terms and agreed process so submissions, negotiations, and diligence remain coordinated.

Exclusivity depends on the mandate and is stated in the engagement agreement. Some engagements may be exclusive for a defined period, while others may protect only capital providers introduced or contacted through our process.

Clients should disclose prior lender outreach and existing adviser relationships before engagement so duplicate submissions and conflicting mandates can be avoided.

We provide enough information for a prospective client to understand our service, eligibility criteria, scope, commercial terms, and engagement process. We do not use repeated pre-engagement calls or extensive email review as a substitute for a paid consulting mandate.

Structured intake allows us to qualify the transaction efficiently. Calls and detailed document work are scheduled when they are useful to execution and when the applicable engagement scope supports them.

No. Financely's role is capital advisory and consulting, including transaction preparation, structuring support, packaging, capital-provider targeting, distribution, and process management.

Clients must rely on qualified legal, tax, accounting, technical, insurance, valuation, engineering, and regulatory professionals for advice and reports within those disciplines.

We review cross-border transactions in multiple markets and currencies. Acceptance depends on jurisdiction, applicable law, sanctions restrictions, currency convertibility, capital-provider coverage, transaction size, sector, and the ability to complete diligence.

A transaction may be commercially attractive while still falling outside available lender appetite or compliance parameters.

Not every financing structure requires the same collateral. Depending on the transaction, a capital provider may rely on receivables, inventory, equipment, real estate, contracts, cash flow, guarantees, project assets, sponsor support, or a combination of these.

A purchase order or contract can strengthen a financing request, but it is not automatically bankable. The financier may also evaluate the buyer, supplier, margins, performance obligations, delivery cycle, payment mechanism, concentration risk, logistics, insurance, and the borrower's ability to perform.

An SBLC is a bank credit instrument. Any financing or credit-support structure involving an SBLC depends on the issuing bank, applicant, beneficiary, wording, authenticity, ownership, underlying transaction, collateral or credit support, compliance position, and the proposed use of the instrument.

Possessing an SBLC does not automatically create a financing facility, and legitimate issuance normally requires underwriting and acceptable credit support. Financely does not participate in unsupported "monetization platform" schemes or treat an SBLC as a substitute for a credible commercial transaction.

The engagement agreement defines the paid consulting scope, commercial terms, and responsibilities before the mandate begins. Once activated, Financely allocates capacity to the project and performs the work applicable to that mandate.

Depending on scope, clients may receive access to the client portal, transaction deliverables, lender-facing materials, capital-provider mapping, distribution activity, diligence coordination, and other execution work relevant to the engagement.