You submit a complete RFQ with executed contracts, corporate KYC, AR/AP aging, twelve months bank statements, and draft LC or insurance terms if used. We validate counterparties, map the trade cycle, size limits, test cash conversion, and flag gaps. You get a clear go or a fix list.
Submit RFQ — Trade FinanceClean KYC for buyer and supplier, beneficial owners disclosed, sanctions checks clear, jurisdictions within appetite. Opaque ownership or shell buyers kill files.
Trade EconomicsSigned purchase and sale contracts, Incoterms, quantity, price, delivery, and payment terms. Landed cost and margin stack that survives finance costs.
Track record in the product, named forwarders, cargo insurance, and a logistics plan that matches the paper. Inventory and custody controls where relevant.
Repayment SourcePrimary source is customer collections. Secondary sources include LC proceeds, SBLC draw, insurance claim proceeds, or pledged cash.
Days inventory, days receivable, days payable, and buyer concentration. Oversized single-buyer exposure must be covered by limits or additional security.
Financial CapacityAudited statements preferred, tax compliance, stable gross margins, and enough equity to support the facility.
We align LC terms under UCP 600 and SBLCs under ISP98 with objective conditions. We remove clauses that create subjective disputes. If you use credit insurance, we make sure policy notifications, assignments, and reporting match the facility, so coverage works in practice.
Complete intake with the documents above. Partial files stall. Complete files move.
100 to 200 working hours. We size limits, model the cycle, test security, and raise red flags early so fixes are fast and targeted.
Facility type, limits, pricing, tenor, collateral, covenants, conditions precedent, and reporting cadence. LC or policy forms attached where relevant.
Facility agreement, security, assignments of proceeds, LC templates, insurance endorsements, KYC refresh. Small edits can alter enforceability.
Fees funded, policies bound, operational testing in place, draw mechanics trialed, and wording locked.
Shipment tracking, document checks, covenant reporting, and borrowing base tests by cycle.
| Item | What It Covers | How It Behaves |
|---|---|---|
| Underwriting Retainer | Analyst and banker time to produce a bankable package | One-off per mandate or scope, payable before placement |
| Facility Margin | Risk premium over a base rate | Driven by tenor, counterparty quality, structure, and controls |
| LC Issuance/Confirmation | Issuance fee and, if required, confirmation fee | Quoted per 12 months and pro rated by tenor; jurisdiction sensitive |
| Insurance Premiums | Named obligor coverage for non-payment | Priced by obligor risk, country, tenor, concentration, claims history |
| Legal And Ops | Drafting, negotiations, onboarding, collateral perfection | One-off and recurring where documents or limits change |
There is no credible path that avoids professional costs. Requests that reject retainers and due diligence while asking for lines are declined.
With structure and wording locked, we place with banks, confirmers, and insurers that fit the product and lane. We negotiate terms that reflect real risk and keep cycles repeatable. First runs are monitored closely before scaling limits.
Explore Structured Commodity FinancePresentation requirements must be objective and aligned with the shipment plan and Incoterms. If the exporter needs early funds, discounting or negotiation is arranged in parallel with confirmation where required.
Follow ISP98 with precise draw statements and measurable triggers. Expect collateral or strong balance sheet support. Keep conditions objective to avoid disputes.
Secure buyer limits early. Align policy notices, reporting, and claim timelines with the facility. Assign proceeds cleanly to the lender. A policy that is not integrated is a weak backstop.
Scenario. EU importer purchases USD 5,000,000 of finished goods on CIF terms against a 120 day usance LC. Goods are resold to multiple EU buyers on 45 day terms. Exporter requests confirmation and discounting.
Structure. Issuing bank opens a 120 day LC. Exporter ships and presents compliant documents. Confirming bank discounts the accepted draft and pays the exporter at shipment. Importer sells inventory, collects by day 75 to day 90, and repays at day 120. Security includes assignment of receivables, inventory controls where practical, and locked LC wording.
Why this clears credit. Clean shipment history, named buyers with limits, pre-cleared LC template, and margin that covers confirmation, discounting, and a buffer.
Focus on one product line per mandate when possible. Keep lanes consistent. Repeatable cycles scale better and price tighter.
Prove The MarginShow landed cost, duties, logistics, and resale price with third-party evidence. If margin cannot carry finance costs and a buffer, the facility will not hold.
Lock The PaperExecute contracts. Align Incoterms. Names and addresses must match. Sloppy paper creates discrepancies and delays.
If one buyer is most of sales, secure insurance or add collateral and controls. Diversification should be real, not theoretical.
Clean ComplianceResolve tax gaps. Keep UBO information current. No bank risks its license on a messy file.
Pilot Then ScaleStart with a smaller run. Demonstrate collections. Use that track record to negotiate higher limits.
After first draw, we track documents, borrowing base tests, and covenant reporting. If performance matches plan, we request limit increases and broader buyer coverage. Variance is handled early before it compounds.
Read FAQs Before You ApplyTimelines slip when documents arrive piecemeal or LC text goes through repeated edits. Bring final versions early and keep structure stable.
Approved buyer limits must be in place before you present the deal. Do not assume limit size without confirmation.
Align ReportingPolicy notices, overdue reporting, and claim steps must match the facility. Misalignment creates claim risk.
Assignments should reflect lender requirements. Keep endorsements precise. Avoid wording that introduces ambiguity.
Claims Are Evidence-BasedPayment follows policy conditions and paperwork accuracy. Insurance is support, not a shortcut.
No. Underwriting consumes serious time. Without it there is no credible submission to any regulated counterparty.
Only if your financials, track record, and structure support it. Otherwise expect cash margin, guarantees, or tighter controls.
No. Credit decisions are document-based. Intent is not enough.
Insurance pays when policy conditions and paperwork are satisfied. It is a tool to manage risk, not a guarantee of outcome.
Have executed contracts, a clear lane, and a repeatable cycle. The fastest approvals come from complete files with clean wording and stable logistics. Use the RFQ link above to start the process, explore structured commodity finance for commodity-heavy trades, and read the FAQ to align expectations before intake.
Financely is a capital advisory. We are not a bank. All transactions are subject to due diligence, underwriting, counterparty approvals, documentation, and compliance reviews. We do not guarantee issuance or provide free assessments. Mandates proceed on a retained basis and only through the formal intake process.
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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