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.
Trade Finance Documentation Standards
Teams lose time and money when they pick the wrong rule set for the instrument they are issuing. UCP 600, ISP98, and URDG 758 are not interchangeable labels. They control how documents are examined, how claims are presented, what notice process applies, and where disputes start.
If your transaction includes a commercial Letter of Credit, a standby instrument, or a demand guarantee, your first risk decision is rule selection, not pricing.
Fast rule-of-thumb: UCP 600 is built for documentary credits, ISP98 is built for standby practice, and URDG 758 is built for demand guarantees.
In live mandates, we see mixed drafting where the instrument name says one thing and the legal mechanics say another. That is where claim friction starts.
| Decision Point | UCP 600 | ISP98 | URDG 758 |
|---|---|---|---|
| Core Instrument Type | Documentary credits (commercial LCs) | Standby letters of credit | Demand guarantees and counter-guarantees |
| Primary Draw Logic | Document presentation under credit terms | Complying demand logic tailored to standby use | Complying demand logic tailored to guarantee use |
| Document Examination Clock | Up to five business days in standard practice | Reasonable-time structure under ISP98 rules, commonly managed in a narrow banking-day window | Fixed examination disciplines for guarantees under URDG framework |
| Renewal Orientation | Not naturally drafted around evergreen standby behavior | Standby renewal and extension mechanics are more directly addressed | Guarantee lifecycle and extension logic are core to drafting structure |
| Best Fit | Shipment and trade document payment structures | Contingent payment backstops and performance standbys | On-demand guarantee structures and guarantee chains |
Key execution point: Your legal and credit team should agree on one governing framework, then harmonize wording, notice mechanics, expiry language, and claim documents to that framework. Mixing concepts from two rule sets in one instrument invites preventable disputes.
Market practice can blur names. Some instruments get marketed as "SBLC" while drafted with guarantee-style language and URDG governance. This can be valid if the structure is intentional, negotiated, and understood by all parties.
The problem is lazy drafting. If one side expects standby behavior and the text produces guarantee behavior, draw-stage conflict is predictable. The label on page one does not save the file.
Documentary mechanics inside a standby commercial context, or standby assumptions inside guarantee drafting, creates avoidable rejection risk.
Custom clauses that quietly override incorporated rules can nullify expected protections.
If demand wording is vague, notice protocols and claim formatting become a battleground.
Unclear place, time, or language requirements can kill an otherwise valid claim.
Hard truth: most failures are drafting and process failures, not product failures. Teams usually discover this at the worst possible time, during a stressed draw.
Financely supports structuring, documentation preparation, and lender-facing workflow alignment for trade and standby transactions. If your team is weighing standby versus guarantee mechanics, you can review our trade finance advisory services and submit a live file through our deal submission process.
The objective is simple: pick the right ruleset, draft cleanly, and avoid claim-stage surprises.
Send your draft instrument, underlying obligation summary, and timeline. We will map the framework and flag conflict points before launch.
It is built for documentary credits. It can also apply to standbys when expressly incorporated in the instrument text.
ISP98 is standby-specific, so it usually gives cleaner treatment for standby lifecycle issues, claims, and expiry handling.
URDG 758 is the standard framework for demand guarantees and counter-guarantees in cross-border guarantee practice.
Yes, parties can agree to that structure. The key is that the full text and mechanics must be consistent with the chosen framework.
Mixing clauses from different frameworks without resolving conflicts in demand, notice, and examination language.
No. They are contractual rule sets incorporated by agreement. Local law and court or arbitral interpretation still matter.
Educational content only. This page does not provide legal advice and is not a commitment to issue, confirm, honor, or guarantee any instrument. Transaction outcomes depend on underwriting, legal drafting, counterparty terms, and governing law.
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.
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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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