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.
In oil and gas trade, a $10M+ SBLC is usually not the final funding source. It is a credit enhancement tool that unlocks supplier comfort, deferred payment terms, or downstream financing. Most delays do not happen at SWIFT stage. They happen earlier, when documents are incomplete, beneficial ownership is unclear, underlying contract economics do not make sense, or parties ask for unrealistic language in the draft instrument.
The 21-day target is feasible when all parties treat underwriting and legal drafting as core work, not admin work. If you come in with fragmented paperwork or vague transaction logic, timeline doubles fast. If you come in prepared, you can move from intake to MT760 in a controlled sequence without panic.
| Day Range | Stage | What must be completed | Failure point to avoid |
|---|---|---|---|
| Day 1-2 | Mandate Intake | Deal summary, requested SBLC amount, purpose, tenor, beneficiary details, draft underlying contract, sponsor profile. | Submitting only a request letter with no commercial backup. |
| Day 3-5 | KYC/AML + Compliance Triage | Corporate docs, UBO chain, passports, proof of address, source of funds narrative, sanctions checks, adverse media review. | Hidden ownership layers or inconsistent entity records across jurisdictions. |
| Day 6-8 | Commercial Underwriting | Contract logic check, incoterms alignment, performance mechanics, default triggers, draw conditions, tenor fit with trade cycle. | Instrument request that does not match the underlying trade risk. |
| Day 9-11 | Term Sheet + Drafting Instructions | Issuance framework, fees, collateral mechanics (if any), MT760 wording protocol, advising bank coordination, conditions precedent. | Open-ended wording that creates legal ambiguity at beneficiary bank review. |
| Day 12-15 | Legal Documentation | Engagement package, issuer-side docs, applicant undertakings, final instrument text alignment, signature readiness. | Last-minute legal rewrites by parties that were absent from early drafts. |
| Day 16-18 | Pre-Issuance Controls | Final compliance sign-off, payment confirmations where required, SWIFT field validation, test messages if applicable. | Wrong beneficiary SWIFT details or mismatched legal names. |
| Day 19-21 | Issuance + SWIFT MT760 | Instrument issuance, MT760 transmission, advising confirmation, internal file closure and post-issuance support protocol. | No structured communication between applicant, issuer desk, and advising channel. |
Certificate of incorporation, register extracts, constitutional docs, board authority, UBO declaration, and identity evidence. If your ownership chain is cross-border, map it cleanly in one chart and make sure legal names match in every document.
SPA or supply agreement, quantity and grade specs, delivery schedule, payment mechanics, claims protocol, and default language. The SBLC request must mirror real performance and payment risk, not generic text copied from old files.
Beneficiary legal name, address, account and SWIFT details, advising bank coordinates, and precise beneficiary wording preference. One typo can stall issuance days before target date.
A short memo explaining why the SBLC is needed, how it supports the trade cycle, and what happens at maturity. This helps credit committees understand transaction purpose and keeps review practical.
There are patterns. First, applicants request a large face value with no balance-sheet story and no credible transaction economics. Second, legal names across KYC docs, contracts, and draft instrument do not match exactly. Third, counterparties ask for impossible undertaking language that no serious issuer will accept. Fourth, teams treat compliance as a late-stage box to tick, then discover sanctions-sensitive links at the end.
The fix is straightforward: align transaction logic, compliance logic, and legal logic from day one. You can push speed only after this alignment exists. If that foundation is weak, speed talk is just marketing copy.
Instrument wording must be internally consistent on amount, expiry, claim mechanics, and governing framework. Draft drift across versions creates rejection at review stage.
Applicant, arranger, and issuer-side teams need one communication lane and one owner for each deliverable. Mixed channels create contradictory instructions and missed cut-offs.
Sanctions, source-of-funds explanations, and beneficial ownership transparency should be complete before legal docs are finalized. Late findings trigger resets.
Tenor, amount, and underlying deal cycle must fit. When the requested SBLC structure does not match the transaction economics, committees slow down or decline.
A lender-ready submission is concise and clean. It includes a one-page transaction summary, full KYC set, contract pack, beneficiary coordinates, and a proposed timeline with responsible parties named. It also includes realistic assumptions on fees, review stages, and conditions precedent. That is how you protect speed.
If you need support packaging the file before lender routing, review our scope of services and use the structured intake at Submit Your Deal.
Professional SBLC execution requires underwriting, compliance, legal drafting, and deal management effort. Serious market participants price that effort clearly and tie it to deliverables. Be cautious with offers that present no diligence path, no named process, and no accountability framework. In large-ticket oil trade, unclear process is risk in disguise.
If your team wants rapid movement, act like a closing team, not an inquiry team. Assign internal owners, deliver clean documents fast, and keep decision latency low. Most “market delays” are internal delays.
Send a complete file and we can assess structure fit, execution path, and timeline feasibility before you lose the trading window.
Can a $10M+ SBLC really be issued in 21 days?
Yes, when the applicant file is complete, counterparties are clean, transaction logic is coherent, and legal drafting is handled early. Weak documentation will extend timeline.
What usually causes rejection before MT760?
Inconsistent KYC records, unclear UBO chain, sanctions-sensitive counterparties, unrealistic instrument wording, and an underlying contract that does not support the requested structure.
Do we need collateral for every SBLC request?
Not every case has the same structure. Requirements vary by issuer-side credit view, applicant profile, transaction quality, and risk controls.
What is the first step if we are short on time?
Start with a clean, complete intake package using one data room. If you send partial documents in stages, timeline drifts immediately.
Where can we review your process before applying?
See How It Works and Standby Letter of Credit , then file through Submit Your Deal.
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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request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
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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