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.
This page covers three recurring pitches that burn time, trigger compliance issues, and rarely survive basic diligence: so-called private placement programs (PPP), “bullet trades,” and leased SBLC monetization narratives. We explain what these promoters claim, why real credit desks reject the mechanics, and what lawful structures look like when funding is real.
The pitch usually avoids named counterparties, audited performance, regulated venues, and enforceable disclosures. It often pushes “comfort” steps first, including requests for bank-to-bank messages or proof artifacts before any mandate, escrow, or paid diligence.
Reference point: the SEC has repeatedly warned the market about “prime bank” style schemes and similar fraud patterns. See SEC investor materials for context: SEC Investor Alert on “Prime Bank” Schemes.
These stories rarely provide a credible market reference, a lawful settlement path, or a defensible explanation for why a counterparty would donate margin without taking risk. When challenged, the “mechanics” become circular and depend on trust rather than controls.
In real markets, returns depend on price risk, basis risk, execution, and settlement. If a pitch claims risk-free returns with no disclosure, you should treat it as high-risk until proven otherwise by hard evidence.
A lease is a contractual right to use, not the same as owned, perfected collateral. “Non-recourse cash-outs” based on leased paper typically fail because the lender cannot perfect a security interest in the way it would require, and because the underlying economics and control package are not bank-grade.
Standby Letters of Credit are commonly governed by ISP98, and demand guarantees by URDG 758. These rule sets do not create a substitute for underwriting. See the ICC rule sets for baseline terminology: ICC Banking Rules.
| Myth | Banking Practice | Practical Status |
|---|---|---|
| “Leased SBLC monetized at 80% non-recourse.” | Credit requires owned or controllable collateral, defensible recourse and mitigants, and a verifiable underlying transaction with control mechanics. | Rejected at most institutions |
| “PPP compounding weekly via secret trader screens.” | Regulated capital raising requires disclosures and suitability controls. Guaranteed returns without risk disclosure trigger compliance concerns. | High-risk pattern |
| “Bullet trades double funds in a day.” | Real execution requires price discovery, settlement, controls, and audited performance. Extraordinary claims require extraordinary evidence. | Usually non-bankable |
A legitimate file starts with identity, ownership, compliance, contracts, and a settlement plan. Bank messages are operational tools used within that process, not substitutes for diligence.
If the objective is working capital, performance support, or trade execution, there are well-worn structures that lenders understand and fund when supported by data. Examples include:
| Objective | Bankable Path | Core Requirements |
|---|---|---|
| Working capital against sales | Receivables finance, ABL, or purchase of receivables | Aging quality, concentration limits, borrowing-base reporting, control accounts |
| Import funding | Import LC issuance, usance structures, and discounting | Applicant credit, margin or collateral, clean documents, credible suppliers |
| Export against offtake | Confirmed export LCs, pre-export finance, structured offtake | Performance history, clear cash waterfall, inspection, insurance, verified buyers |
| Inventory monetization | Warehouse receipt finance and controlled inventory lending | Independent collateral manager, inspection rights, title control, liquidation path |
If you cannot obtain two or more of the above, the file is rarely bankable.
If the pitch is framed as an “investment” or promises returns based on the efforts of others, securities laws can apply. In the United States, private placements commonly rely on Regulation D, with specific rules on who can invest and how offers can be marketed. Start with the SEC’s overview: SEC Exempt Offerings.
If you have a term email, a contract set, or “program” documents and want a decisive stop or proceed view, submit the file. We will respond with a written risk assessment and, where appropriate, a bankable alternative.
Contact UsDisclaimer: 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. Financely is not a bank, lender, insurer, surety, broker-dealer, or investment adviser. Financely provides advisory and structuring support and operates on a best-efforts basis. Where regulated placement, solicitation, or brokerage activity is required, it is performed solely by appropriately licensed third-party partners under separate engagement and applicable law. All matters are subject to diligence, investor or lender eligibility, KYC and AML review, sanctions screening, definitive documentation, and approvals.
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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.
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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.
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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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