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.
Learn how PPP and prime bank scams work, from intake fees to SBLC leasing traps. Use law enforcement red flags and avoid guarantee exposure.
This page is a defense guide to the fraud category commonly marketed as “Private Placement Programs” (PPP), “prime bank”, “platform trading”, or “medium term note trading”. It is not a guide to lawful private placements of securities. In the scam version, the promise is always “bank instruments”, “secret markets”, and “high returns with low risk”. The real business model is fees, document harvesting, and pushing victims into guarantee exposure.
If the pitch contains “prime bank instruments”, “roll programs”, “bullet programs”, “private platforms”, or “riskless returns”, treat it as fraud and stop engaging. No serious capital market works like that.
“All ‘prime bank’ investment programs are fraudulent.”
“Neither these instruments, nor the markets on which they allegedly trade, exist.”
“Platform Trading, Private Platform Programs (PPPs), Prime Bank Trading, or Medium-Term Note Trading Programs.”
In practice, “PPP” is a label used to sell an illusion of institutional access. They claim a trader can “buy and sell” bank instruments inside a private window, then share returns with you. The pitch survives only while you do not verify counterparties, licensing, custody, and legal enforceability.
These phrases are designed to sound technical and exclusive. They are also a reliable warning sign.
You are told there is an “allocation” and you must be “approved”. The goal is urgency and control. It also creates a pretext to collect your documents.
Next comes a “program intake fee”, “compliance fee”, “bank fee”, “insurance fee”, or “attorney fee”. Once paid, new fees appear. The “process” never ends because fees are the revenue model.
They send term sheets, mandates, and letters with seals and acronyms. It looks formal. It is not verifiable. Real regulated counterparties can be checked quickly.
When you stop paying fees, they pivot to “collateral”. The pitch becomes “post an SBLC” or “lease an SBLC” to unlock loans or platform access. This is where victims get trapped into real liability.
A clean rule: fees to “unlock” returns are a scam. Requests for SBLCs to “access” loans are usually a risk transfer designed to make you the liable backstop.
An SBLC is a bank undertaking. If your bank issues one, your bank takes risk on you as the applicant. Scammers exploit this by making the SBLC sound harmless, as if it is only “proof” or “a ticket to the platform”. It is not.
Once you issue an SBLC, you have provided credit enhancement for the beneficiary named on the instrument, often the so called “platform”, an SPV, or a party the platform controls. That beneficiary can use your SBLC to obtain a loan, a margin line, or a credit facility from a third party. You do not control the borrowing. You may not even know the facility exists.
“Fraud actors are ... selling fictitious Standby Letters of Credit (SBLCs).”
Here is the outcome that wrecks people: the beneficiary uses your SBLC as credit support, takes proceeds from a loan, then never repays. When the beneficiary defaults, the lender calls the SBLC. Your issuing bank pays because it is a bank undertaking. Your bank then has full recourse to you as the applicant.
You end up liable for a default on a loan you did not negotiate, may not have seen, and may not even know exists. The platform does not repay. The victim pays.
This is also why “SBLC leasing” pitches are dangerous. The promoter is trying to separate your enforceable obligation from their non existent repayment obligation. When the dust settles, you are the only party with a real, enforceable liability.
Real financing is underwriting plus execution with regulated counterparties. If your need is working capital, trade finance, asset-based lending, business acquisition funding, or Commercial Real Estate capital, start from structures lenders can approve and document.
Relevant Financely pages: trade finance , structured trade finance , asset-based lending , business acquisition financing , Commercial Real Estate financing , private credit financing , and family office introductions.
No. Lawful private placements are a regulated securities concept. The “PPP” discussed here is the scam label used for prime bank and platform trading fraud.
Fees are the monetization layer. The “program” exists to keep adding gates and extracting payments.
Because an SBLC is credit enhancement. It creates a real bank undertaking that can be used by a beneficiary to obtain credit. In scam structures, the victim becomes the liable backstop for borrowing the victim does not control and may not even know exists.
Treat it as a stop sign. Do not issue a bank undertaking to a platform, broker, SPV, or unknown beneficiary based on promises of future funding. If an SBLC is ever part of a legitimate structure, you should see and negotiate the actual facility agreement, the beneficiary should be the actual regulated lender, and independent legal counsel should review the instrument and draw terms.
Financely structures lender-ready files and places capital with regulated counterparties for real transactions. We do not run “programs” and we do not sell “platform returns”.
If you have a real transaction and you want regulated capital options, submit your file. We will revert with feasibility and next steps.
Apply For A QuoteDisclaimer: This page is for general information only and does not constitute legal, tax, regulatory, investment, or credit advice. Financely is not a bank, broker-dealer, or asset manager. Any financing is provided by regulated counterparties under their own licenses, approvals, and documentation and is subject to eligibility, KYC, AML, sanctions screening, and credit decisions.
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.
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Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
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Get financed on workable terms for closing. Submit the RFQ to start underwriting.
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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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