How to Get Proof of Funds for Business Deals
How to Get Proof of Funds for Business Deals
- * LOI to SPA in M&A and asset purchases
- * Real estate acquisitions and development
- * Commodity offtake and supply tenders
- * Vendor onboarding and RFPs with cash tests
- * Bridge to close when timing is tight
- * Seller counsel and transaction lawyers
- * Title and escrow agents
- * Trade desks and collateral managers
- * Landlords and procurement teams
- * Bank credit and compliance officers
- * Rented balances and rented KYC profiles
- * Fabricated statements and unverifiable PDFs
- * Prime bank theatrics and random SWIFT spam
- * Embarrassing retractions when someone calls to verify
What counts as proof of funds vs what gets rejected
- * Bank Confirmation Letter on bank letterhead, signed by a named officer, with account name, cleared balance, currency, date, validity window, and a direct line for verification
- * Escrow Confirmation from a licensed escrow or law firm trust account that names the transaction, the buyer, the amount on deposit, and the release conditions
- * Standby Letter of Credit for performance or payment risk under ISP98 or UCP600 when a seller demands a bank commitment
- * Documentary Letter of Credit where trade terms are documentary and the seller wants a bank managed instrument
- * Custody Statement for marketable securities issued by a recognized custodian with a reachable contact
- * Cropped screenshots and unverifiable PDFs
- * Vague “blocked funds” letters with no officer contact
- * Broker drafted “RWA or MT799” with no issuing bank engaged
- * Comfort notes from entities that are not banks, escrow agents, or custodians
- * Anything that hints at rented balances
Proof of funds routes we arrange
Best when you already hold cash and only need third party confirmation. The letter sits on bank letterhead, includes all required fields, and has a validity window matched to your timeline. Wording confirms capacity and avoids accidental promises to lend.
Funds are placed with a licensed escrow or law firm trust account. The confirmation letter states amount and purpose and mirrors your PSA or SPA release triggers. This is strong for sellers and landlords who want ring fenced cash.
Some counterparties will only move when a bank stands behind you. We arrange standbys under ISP98 or UCP600 or documentary LCs with bank grade wording. Use this when a comfort letter will not clear their credit team.
Good wording vs weak wording
- * Account holder name exactly matches KYC and the contract
- * Cleared balance and currency with date and time
- * Validity window for example 10 business days
- * Direct phone and email for a named bank officer
- * Statement that the letter is informational and not a blanket commitment to lend or pay
- * “Client is financially capable” with no numbers or dates
- * “Ready willing and able” with no issuing bank involved
- * Signature by “Compliance Dept.” with no named officer
- * Language that implies automatic funding on request
Our process from brief to verification
- Deal brief. What are you buying, from whom, how much, and by when. Who must sign off and what wording do they expect.
- KYC and AML. We collect IDs, source of funds details, and company documents so banks and escrows can approve without delay.
- Choose the route. Bank letter, escrow confirmation, or an SBLC or LC when the counterparty requires a bank commitment.
- Draft and align wording. We agree language with counterparties and counsel so the letter does the job without overpromising.
- Issue and verify. The bank or escrow issues the letter. A named officer confirms during banking hours. If SWIFT is needed for a standby or LC, fields are aligned and keys are tested before live traffic.
Red flags we will not touch
- * Requests tied to bullet trades, platform programs, or balance rentals
- * Letters that hide a pledge or block unrelated to a real transaction
- * “Pay a deposit now and we will fix the wording later”
Frequently asked questions
No letter guarantees a close. It proves capacity. Sellers still care about price, terms, diligence, and timing. If they need a bank commitment, a standby or LC is the correct tool.
We only send SWIFT messages when a bank is engaged and the receiving bank requests it. Random MT traffic with no live transaction is ignored and harms credibility.
We propose language that gives comfort without turning a letter into an open ended guarantee. If they want a promise to pay, the correct path is an SBLC or LC with clear conditions.
Need proof of funds that passes a phone call
Send your deal brief and the exact wording your counterparty wants. We will recommend the right route and outline next steps.
Start Your Proof of FundsWe act as an arranger on a best efforts basis. Services are subject to KYC and AML, sanctions screening, and approval by banks, escrow agents, or custodians. We do not rent balances and we do not support any scheme that misrepresents liquidity or promises guaranteed returns. Nothing here is a commitment to lend or to issue a bank instrument.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
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.
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