Two requests look similar at the start. One brings audited numbers, a draft under ISP98 or UCP 600, a purpose the beneficiary accepts, and a plan for collateral. The other asks for MT760 now, success-only, and “fees from proceeds.” The first becomes an issuance and, if needed, a confirmation. The second goes nowhere. We focus on the first.
SWIFT: issuance via MT760, amendments via MT767, pre-advice or free-format via MT799. Advising and authentication are bank-to-bank.
| Document | Why It Matters | Frequent Mistake |
|---|---|---|
| Audited financials | Funds cash-flow and limits tests | Out-of-date or management-only statements |
| Underlying contract | Shows purpose and beneficiary conditions | Missing governing law or vague performance triggers |
| Board resolution | Authority to issue the standby | Unsigned or inconsistent signatories |
| Collateral schedule | Defines margin, pledge, and control mechanics | Old valuations or no account-control path |
| Draft SBLC text | Aligns rule set and draw mechanics | Wrong rules, wrong expiry, no place of presentation |
| Region | Issuing Banks | Confirming Banks |
|---|---|---|
| North America | JPMorgan, Citi, Bank of America, Wells Fargo | BNP Paribas, Santander, Standard Chartered |
| Europe | HSBC, Barclays, BNP Paribas, Santander, Commerzbank, UniCredit | Commerzbank, Raiffeisen, UniCredit |
| Asia | MUFG, Mizuho, SMBC, DBS, OCBC, Standard Chartered | MUFG, SMBC, DBS, OCBC, ANZ |
| Middle East | First Abu Dhabi Bank, Emirates NBD, QNB | Selected European and Asian banks with ME desks |
Each bank applies its own policy, KYC, sanctions, and country limits. Availability is case by case.
| Workstream | Fee Basis | When Charged | Notes |
|---|---|---|---|
| Arranger retainer (Financely) | USD 75,000 to 250,000 | At mandate | Funds structuring, bank approach, wording, diligence coordination |
| Arranger success fee | 0.75% to 2.00% of face | On issuance and or confirmation | Trigger defined in mandate |
| Collateral facility (private debt) | Coupon plus OID or closing fee | At collateral close | Typical coupon 10 to 16 percent per annum; OID or closing 1 to 3 percent |
| Issuance fee (issuing bank) | 0.50 to 2.00 percent per annum | On issuance | Pro rated for tenor; credit and country sensitive |
| Confirmation fee (confirming bank) | 0.50 to 3.00 percent per annum | On confirmation | Issuer and country risk driven |
| Legal, trustee or security agent, escrow | Itemized schedules | At signing and as incurred | Security docs, account control, opinions |
| SWIFT, advising, amendments | Bank tariff per event | As incurred | MT760 issuance, MT767 amendments, courier if required |
| Rating (if required) | USD 40,000 to 250,000 plus | As incurred | For note programs or insurance investors |
| Day | Milestone | What Happens |
|---|---|---|
| Day 1 | Mandate and intake | Sign mandate. Submit applicant financials, KYC, purpose, draft wording, beneficiary details |
| Day 3 to 7 | Collateral term sheet | Private debt soft clear. Define pledge or cash collateral with trustee or security agent |
| Day 8 to 14 | Wording and bank route | Finalize ISP98 or UCP 600 or URDG 758 terms. Identify issuing and confirming banks. Price bands agreed subject to approval |
| Day 15 to 28 | Approvals and documents | Collateral docs and opinions. Account control. Issuing bank credit approval. Fee letters signed. SWIFT setup |
| Day 29 to 35 | Fund collateral | Private debt funds backstop. Pledge or escrow in place |
| Day 36 to 45 | Issuance and confirmation | MT760 sent. Advising bank authenticates. Confirming bank books its undertaking if required |
| Day 46 plus | Monitoring | Amendments via MT767 if needed. Monitor until expiry or cancellation. Collateral facility reduces as obligations fall away |
Answer a few questions to see a ballpark of upfront costs and annual charges. This is a guide, not an offer.
Assumptions: retainer and ranges per tables above; legal and trustee placeholder USD 85,000; SWIFT and advising USD 7,500; OID or closing on collateral 2 percent; private debt coupon varies by risk and collateral type. Fees scale with face value and risk.
We will return scope, fee terms, and the bank route aligned to your case.
Request the ContractFinancely acts as arranger and advisor. We are not a bank. All engagements require KYC and sanctions screening. Banks and private credit funds make independent approvals and set final pricing. Ranges above are indicative and depend on applicant strength, tenor, amount, jurisdiction, and instrument terms. Nothing here is a commitment to lend or a binding quote. Any securities activity is conducted through a licensed chaperone, Member FINRA/SIPC.
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
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.
Submit a RequestAccess non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestSecure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFinancely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
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.
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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