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.
An SBLC is a contingent undertaking issued by a bank. It is not cash, and it is not a substitute for mobilized capital. “Monetization” in a legitimate context means structuring a financing facility where the SBLC is one component of the credit support package, alongside a real underlying transaction, documented repayment sources, and lender controls.
If a counterparty claims they can advance cash purely “against the SBLC” with no underwriting of the underlying contract, no KYC and AML, and no bank authentication, that is not a financing process. It is a risk event. If you are evaluating a real trade or working capital structure, start with trade finance and structured trade finance so your file matches how lenders actually review transactions.
A lender provides a revolving facility or term loan where repayment is tied to the underlying contract economics (trade flow, receivables, milestones), and the SBLC is used as additional credit support, subject to lender policy and documentation.
In many cases, lenders prefer a broader control package similar to asset-based lending rather than a standalone SBLC narrative.
Some market participants use the term “discounting” for structures where funding is advanced based on a defined standby-supported payment right. These are not template transactions. They are fact-specific and depend on issuer policy, assignment mechanics, and the enforceability of the demand pathway.
If the financing objective is wider than a single standby, review private credit financing for alternative structures that may be cleaner.
A credible lender underwrites the credit risk, operational risk, and enforceability. The SBLC alone does not answer those questions. Banks and funds need to understand what is being financed, how funds move, and how repayment occurs.
| Underwriting Area | What Is Reviewed |
|---|---|
| Issuer And Instrument | Issuing bank standing, authenticity path, governing rules (ISP98 or UCP 600), expiry mechanics, demand and presentation conditions, amendments. |
| Underlying Contract | Contract enforceability, scope and deliverables, payment triggers, dispute clauses, termination, governing law, and the economic logic of the transaction. |
| Repayment Source | Cashflows, receivables, milestone payments, offtake proceeds, escrow mechanics, and whether the repayment path is documentable and controllable. |
| Counterparty And KYT | KYC and AML checks, beneficial ownership, sanctions exposure, transaction mapping, and operational capacity of all relevant parties. |
| Controls And Monitoring | Cash management, reporting cadence, covenants, reserves, collateral or account control agreements, default handling, and step-in rights where applicable. |
Timelines vary by jurisdiction, counterparty readiness, and document quality. The sequence below reflects how real credit committees operate. If you are placing trade lines, you may also want the broader workflow outlined on our trade finance page.
| Step | Activity | Indicative Timing |
|---|---|---|
| 1) Intake | High-level feasibility screen, use of proceeds, parties, jurisdictions, and facility objectives. Data room checklist issued. | 1 to 3 days |
| 2) KYC and AML | Beneficial ownership, sanctions screening, and transaction mapping. Files that fail here do not proceed. | 3 to 10 days |
| 3) Instrument Review | SBLC review for rule set, demand conditions, expiry, transferability, and authenticity pathway. Bank-to-bank confirmation where applicable. | 5 to 15 days |
| 4) Structuring | Facility architecture, controls, covenants, reserves, reporting, and conditions precedent. Underwriting memo prepared. | 5 to 15 days |
| 5) Placement | Targeted outreach to lenders whose policy matches the risk profile. Term sheets compared on a like-for-like basis. | 1 to 3+ weeks |
| 6) Documentation | Legal docs, account controls, collateral documents if relevant, and operational go-live steps completed. | 2 to 6+ weeks |
If the SBLC sits inside a broader financing plan (acquisition, recapitalization, or bridge), review business acquisition financing and private credit financing.
There is no universal “SBLC monetization rate.” Pricing depends on issuer risk, structure, repayment quality, and controls. Expect a combination of advisor fees, third-party costs, and lender economics, all documented in writing.
| Cost Type | What It Covers | When It Applies |
|---|---|---|
| Advisory Retainer | Structuring, underwriting coordination, data room preparation, lender process management, and execution support. | At engagement start |
| Third-Party Costs | Legal documentation, collateral manager (if applicable), bank charges, and independent reports where required. | As incurred / at closing |
| Lender Economics | Interest or yield, fees, reserves, and control requirements, priced to risk and documented in the term sheet. | At closing and during facility |
Financely runs a controlled underwriting and placement workflow. We identify structural gaps early, tighten the documentation, and route the file only to counterparties whose policy matches the transaction profile. Where regulated activity is required, execution is coordinated through appropriately licensed partners under their own engagement. If your objective is a trade-linked structure, start here: trade finance.
Financeability is driven by transaction strength and controls more than face value. Many lenders prefer meaningful ticket sizes, but the threshold varies by lender and structure. If the underlying transaction is documentable and the counterparties clear compliance, smaller facilities may still be feasible.
Lender appetite varies. Investment-grade issuers are commonly preferred, but outcomes depend on the facility design, jurisdiction, and mitigants. The instrument must also be authentic and operationally executable.
Some transactions move quickly when the data room is complete, counterparties clear compliance, and legal documentation is straightforward. Others take longer. Any fixed “guaranteed” timeline that ignores diligence and documentation is not consistent with how lenders operate.
No. Recourse, covenants, reserves, and control rights depend on structure and lender policy. If someone markets blanket “non-recourse” outcomes with no conditions, treat that claim as a warning sign.
If you have an SBLC tied to a real transaction and need standby-supported working capital, submit your underlying contract, parties, amount, tenor, and jurisdiction. We will revert with feasibility, the data room checklist, and the underwriting sequence.
Request A QuoteDisclaimer: 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 to provide any financing, SBLC, guarantee, or other instrument. Financely is not a bank, lender, insurer, surety, broker-dealer, or investment adviser. Any financing or instrument is provided solely by regulated counterparties under their own approvals, policies, and documentation. All transactions are subject to eligibility, due diligence, KYC and AML review, sanctions screening, credit approval, and execution of definitive agreements.
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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