Is Financely a Scam? No. You Failed Underwriting and KYC
Non-Bankable Accusers: Why Free-Service Seekers Cry Scam
We act for sponsors who pass underwriting. The people who shout “scam” are usually the ones who avoid fees, dodge KYC, and demand terms no credit desk approves. This is a clean, professional ref to shut down the noise and guide serious sponsors on what gets funded.
1) What “non-bankable” means in practice
2) Ten traits we see every week
Fee aversion
Fees cover intake, modeling, legal review, and compliance. Paid work, not charity.
Zero equity
Market expects real equity, covenants, and recourse or strong substitutes.
Data room theater
We require historicals, a defendable model, assumptions, contracts, and third-party reports.
PPP and “bullet trade” folklore
Banks do not cash out leased paper on that basis. We keep publishing why.
Fuel flip fantasies
Structured trade requires title, tankage, credit limits, and performance history.
Construction asks that ignore reality
Expect 60 to 70 percent senior with real equity, staged draws, and third-party reports.
KYC avoidance
The law requires it. We do not move money for unidentified parties.
Time theft
Work starts after activation and retainer. That sequence does not change.
Adverse selection disguised as urgency
Underwriting precedes commitments. Commitments precede funding.
Projection and theatrics
We close the profile and archive the record. Outcomes set reputation.
3) Their asks vs market reality
| Typical request | Reality |
|---|---|
| 100% financing on hotel acquisition. 0 equity. No recourse. | ✓ Bankable direction Senior 60–70%, real equity, recourse or strong mitigants, proven operator. |
| Flip fuel with no prepayment, no title, no storage. | ✓ Bankable direction Title, tankage, credit lines, performance track record, clear risk allocation. |
| Leased SBLC monetized at 80% non-recourse. | ✓ Bankable direction Real facilities are recourse, collateralized, and documented lawfully. |
| Fund first. Diligence later. | ✓ Bankable direction Diligence and documentation first, then commitment, then funding. |
4) Why fees exist
5) We keep publishing fraud advisories for a reason
Our public advisories dismantle PPP myths, “bullet” notes, fake commodity allocations, and leased-instrument monetization pitches. That exposure upsets promoters. Their online pushback does not change banking practice. It confirms why filters exist.
6) Paths that actually fund
Fit policy and take posted terms. Simple when you qualify.
Issue stock in a lawful way, price the risk, and close with proper documentation.
Engage on scope, fund underwriting and legal milestones, deliver a real data room, clear KYC.
Ready for real underwriting
If you have sponsor equity, a defendable model, and the discipline to follow procedure, start the process. If you want free services, do not apply.
Talk To Financely
Share your capital need, equity committed, and current data room status. We will respond with scope, fees, and a plan grounded in credit reality.
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. We address patterns of conduct, not private individuals. Defamatory statements are documented for counsel where required.
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.
