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.
Trade Finance
A standby letter of credit is a bank’s independent undertaking. It is not “rented.” It is not issued off a screenshot. It is a credit decision, backed by underwriting, collateral, and compliance.
If you want a real issuance process with written terms and a clean path to an advised instrument, start with our full SBLC guide and then submit your file via Request A Quote.
Banks and regulated issuers do not issue SBLCs for vague promises, broker chains, or “platform” stories. They issue for defined obligations with a beneficiary, a contract, and a credible applicant. Before you spend time on wording, confirm your profile fits.
“We need an SBLC” is not a use case. The use case is the obligation being supported. Many deals are better served by a documentary letter of credit, a guarantee under URDG 758, or a structured facility. If you are still choosing the tool, read SBLC vs bank guarantee and SBLC vs documentary letter of credit.
The SBLC is anchored to a contract. The issuer needs to understand what default means, what the beneficiary can claim, and whether the amount is rational. Missing contracts or sloppy templates create delays.
An SBLC is an off-balance-sheet credit exposure for the issuer. Underwriting is closer to a credit facility than to a “document service.” Expect real questions.
| Document Set | What it includes | Why it matters |
|---|---|---|
| Corporate and KYC | Certificate of incorporation, registers, directors, UBOs, IDs, proof of address, signatory list | Compliance clearance is binary. If KYC fails, nothing progresses. |
| Financials | Audited or management accounts, bank statements, AR/AP aging, debt schedule | Issuer sizes risk and decides whether you qualify for a line or need cash collateral. |
| Business profile | Company overview, counterparties, operating history, key contracts, performance track record | Issuer tests whether the transaction is real and whether you can perform. |
| Transaction file | Contract, beneficiary details, draft wording, timelines, shipment or performance milestones | Issuer validates that terms are objective and executable. |
| Collateral plan | Cash collateral, securities, guarantees, or facility support documents | The issuer needs a repayment and risk control story if the SBLC is drawn. |
What slows deals: missing UBO clarity, inconsistent addresses, outdated corporate docs, and beneficiary templates that force subjective conditions.
SBLCs are issued under an approved facility or against collateral. If the issuer is taking unsecured risk, you need strong credit, strong cash flow, and a relationship. Otherwise, expect a collateralized structure.
Most SBLC disputes are self-inflicted by sloppy drafting. Banks pay against documents, not against opinions. If your beneficiary template requires the bank to judge performance, you will hit a wall.
If you want the SWIFT side explained, see MT760 format, meaning, requirements. If you want the claims side explained, see what happens when an SBLC is drawn.
Serious beneficiaries want an advised instrument through a bank they recognize. That means the issuer sends an authenticated bank-to-bank message and the advising bank validates it before advising the beneficiary. This is where counterparty comfort comes from.
Once the file is complete, the issuer will run underwriting and issue conditional terms. This is where pricing, collateral requirements, documentation conditions, and timing become clear. Expect conditions precedent.
The closing sequence is straightforward when the file was prepared properly. It becomes chaotic when basic facts are discovered late.
The work is not always done at issuance. Beneficiaries often request amendments. Each amendment is a new risk decision for the issuer. If the deal requires renewals or evergreen terms, align the process upfront.
If you need a standby letter of credit for a real obligation, we run the underwriting and issuance workflow through regulated channels. We pressure-test the file, fix the wording, align issuer requirements, and coordinate advising so your beneficiary receives an authenticated undertaking that matches the contract.
Start with How It Works , then submit through Request A Quote or message us via Contact Us.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank and does not custody client funds. All outcomes are subject to diligence, compliance screening including KYC, AML, and sanctions, issuer and counterparty approvals, and definitive documentation. Where regulated execution is required, delivery is coordinated through appropriately licensed firms under their own approvals.
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.
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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