Is Financely a Scam? Compliance, Fees, and Best-Efforts Model Explained
Is Financely a Scam? Compliance, Fees, and Best-Efforts Model Explained
Short answer: no. We provide investment banking advisory on a best-efforts basis with documented procedures, compliance, and paid milestones. This page sets out who we are, how we work, what we charge, and the controls we apply to every mandate.
1) Corporate and engagement overview
- Investment banking advisory serving operating companies and credible sponsors.
- Mandates executed on letterhead with signatory authority and scope of work.
- Best-efforts engagements. No guarantees. No success claims in advance of underwriting.
- We are not a retail lender or a “program” promoter.
- We do not sell PPP, bullet trades, or leased-instrument monetization.
- We do not work on handshake requests or one-page summaries.
2) Compliance stack and controls
| Control | What it covers | Evidence |
|---|---|---|
| KYC and AML | Identity, beneficial ownership, sanctions, and adverse media checks for sponsor and SPVs. | Passports, corporate registries, BO declarations, screening logs. |
| Mandate validation | Authority to engage, scope alignment, and conflicts review. | Signed mandate, board approvals where required. |
| Underwriting | Financial analysis, model testing, collateral review, covenant design. | Underwriting memo with risk notes and mitigation steps. |
| Counterparty checks | Verification of lenders, funds, and trade counterparties. | Term sheets, NDAs, references, and institutional coordinates. |
3) Fees and what they fund
Funds intake, initial screening, and data room setup. Non-refundable once screening begins.
Pays for underwriting, modeling, legal coordination, and investor outreach per mandate scope.
Payable at funding only. Structure agreed in the mandate. Best-efforts only.
4) Process at a glance
| Step | Deliverable | Gate to next step |
|---|---|---|
| 1. Intake | Activation received, KYC pack requested, data room opened. | Identity and corporate checks cleared. |
| 2. Underwriting | Model review, risk memo, capital stack plan, target list. | Retainer funded and materials complete. |
| 3. Market sounding | Qualified outreach, Q&A, indications where appropriate. | Data room complete and consistent with disclosures. |
| 4. Terms | Indicative or firm terms, CP list, and timeline. | Sponsor accepts terms and supports diligence. |
| 5. Closing | Final docs, CPs satisfied, first draw schedule. | Facility conditions met and signed. |
5) Myths and facts
| Myth | Fact |
|---|---|
| “Fees mean scam.” | Fees fund work. Intake, underwriting, legal, and compliance are paid services in every serious transaction. |
| “Fund first, diligence later.” | Sequence is fixed. Diligence first, then terms, then funding. |
| “Leased SBLC monetized at 80% non-recourse.” | Not bankable. Real facilities are collateralized and carry recourse or tested mitigants. |
| “100% LTC with zero equity.” | Equity is required. Senior debt expects real equity, coverage, and covenants. |
6) Documentation checklist for a serious submission
- Corporate documents, BO disclosures, and KYC pack.
- Audited or review-level financials and a defendable model with scenarios.
- Material contracts and permits tied to the facility request.
- Collateral registers, appraisals, or title where applicable.
- Use of proceeds, timeline, and exit or refinance plan.
7) How to read online claims about Financely
We do not review until activation is paid and KYC is underway. That filter is intentional.
Yes. Underwriting and legal work have costs. Success fees are paid at funding only.
Correct. We decline structures that do not clear real credit desks.
8) What a legitimate path to “yes” looks like
Fit policy, deliver documents, accept posted terms. Straightforward when the case qualifies.
Issue stock lawfully, price the risk, and close with proper documentation and controls.
Engage on scope, fund milestones, complete underwriting, and present to appropriate capital.
Considering a mandate
If you have sponsor equity, a complete data room, and a credible plan, we will respond with scope, fees, and a path that aligns with credit reality.
Request a mandate review
Upload your data room. State equity committed and target facility. Our team will respond with a structured plan.
Contact UsFinancely provides investment banking advisory on a best-efforts basis. We are not a broker-dealer. We do not guarantee funding. All engagements require activation and retainer fees, KYC and AML, and full underwriting. We do not participate in PPP, bullet trades, leased-instrument monetization, or any structure that fails banking practice or applicable law. This page addresses process and controls, not private individuals.
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.
Trade Finance
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 RequestProject Finance
Access 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 RequestAcquisitions
Secure 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 RequestFor Banks
Financely 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.
