Financely Fraud Advisories: PPP, Bullet Trades, and Leased SBLC Claims vs Banking Practice
Financely Fraud Advisories: PPP, Bullet Trades, and Leased SBLC Claims vs Banking Practice
This advisory explains the three most common pitches that waste time and expose sponsors to risk: so-called private placement programs, “bullet trades,” and leased SBLC monetization. We set out what these claims say, why they fail real credit desks, and the lawful alternatives that actually fund.
1) What These Pitches Claim
Vague traders, no auditeds, no regulated venue, and requests for bank messages up front.
No market, no counterparty disclosure, no settlement mechanics that survive scrutiny.
Leased paper is not treated as cash collateral for non-recourse payouts by credible banks.
2) Why These Claims Fail Real Credit Desks
- No verifiable economics: promised returns contradict observable market pricing and liquidity.
- No settlement detail: absent or circular mechanics for title transfer, custody, and cash flows.
- No enforceable recourse: promoters avoid jurisdiction, venue, and counter-indemnities.
- Bank-message fishing: requests for RWA/MT799 before mandates, KYC, or escrowed costs.
- Leased paper problem: a lease gives use, not ownership; it does not equal cash collateral.
3) Myths vs Banking Practice
| Myth | Banking practice | Status |
|---|---|---|
| “Leased SBLC monetized at 80% non-recourse.” | Banks require owned, perfected collateral and enforceable recourse or tested mitigants. | Rejected |
| “PPP compounding weekly via secret trader screens.” | No regulated market offers guaranteed compounding with no risk disclosure. | Rejected |
| “Bullet trades double funds in a day.” | No transparent venue, no price discovery, no audited track record equals no credit. | Rejected |
4) Red Flags That End the Conversation
We do not issue bank messages or proceed without a signed mandate, KYC/AML, and escrowed costs. No exceptions.
5) Lawful Alternatives That Actually Fund
| Objective | Bankable path | Core requirements |
|---|---|---|
| Working capital against sales | Receivables purchase or ABL | Aging quality, concentration limits, borrowing-base reporting. |
| Import funding | Import LCs and usance discounting | Applicant credit, margin or collateral, clean documents. |
| Export against offtake | Pre-export finance or confirmed export LCs | Performance history, escrowed proceeds, hedging where relevant. |
| Inventory monetization | Warehouse receipt finance | Independent collateral manager, inspection rights, liquidation path. |
6) What We Refuse
- PPP and “platform” trading claims.
- Leased-instrument cash-outs and “non-recourse monetization.”
- Requests for RWA/MT799 or bank coordinates before mandate and KYC.
- 100% financing with zero equity or no recourse.
7) How to Verify a Legitimate Opportunity
8) Report Scheme Promoters
Share emails, names, and documents. We archive and, where appropriate, escalate to counsel or platform operators. We will not publish private details; we act to reduce risk in the market.
Need a bankable structure instead of a myth?
Send your flow, contracts, and equity position. We will respond with a credible path and pricing ranges.
Request a fraud-risk review of a proposal
Upload the term email, attachments, and signatory details. We will flag the red signals and suggest lawful options.
Contact UsThis advisory is general guidance, not legal advice. Financely provides investment banking advisory on a best-efforts basis. All engagements require activation and retainer fees, KYC/AML, and full underwriting. We do not participate in PPP, “bullet trades,” leased-instrument monetization, or any structure that fails banking practice or applicable law.
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