Transaction-level KYT support for trade finance teams. We map payment paths, validate document and logistics coherence, screen touchpoints, and deliver audit-ready KYT memos.
Most trade files fail late, not early. The contract is signed, the invoice looks fine, and then the payment path changes, a third party appears, or the documents stop matching the logistics story. KYT is the transaction control layer that catches those breaks before funding. We deliver KYT support that ties together the commercial rationale, the document set, the logistics trail, and the settlement route into a single, reviewable package.
KYT is not an extra compliance box. It is the difference between a trade that clears and a trade that stalls at the worst moment. Our work focuses on payment path mapping, touchpoint screening, document coherence, and an audit trail that a bank, insurer, or investment committee can read quickly.
This service is built for trade finance originators, confirming desks, private credit funds, family offices, and corporates running structured trade flows where approvals depend on clean evidence. It fits Letters of Credit, invoice and receivables programs, inventory and warehouse receipt finance, and structured commodity transactions where controls, touchpoints, and settlement paths matter as much as the obligor.
You receive a KYT package that can be used internally or shared with reviewers. It is designed to reduce back and forth by stating the transaction narrative, showing how value moves, and documenting what cleared versus what requires evidence. When risk is unacceptable, we say it early and explain why, using transaction facts rather than vague language.
A concise memo that captures the transaction story, maps the settlement path, identifies touchpoints, and explains the key risks and mitigants. It includes a clear list of open items with evidence requirements and escalation actions.
A structured checklist tailored to the product and trade lane, plus an exceptions log that records alerts, required evidence, decisions, and approvals. This creates an audit trail that remains usable after the transaction settles.
We start by locking the transaction narrative and mapping the payment path as it is expected to settle, including all banks and intermediaries. We then reconcile the document set against the logistics evidence and the commercial terms to confirm coherence. If the transaction changes mid-cycle, we focus on the change that matters most: whether it introduces a new party, a new route, a new jurisdiction, or a new settlement instruction that alters policy or sanctions exposure.
What good looks like:
If a reviewer picks one transaction at random, they can reconstruct the full story quickly and see why the risk was acceptable, based on evidence and recorded decisions.
Teams use us when they need transaction control that is practical and defensible. We focus on the real failure points that stop trades, not generic policy text. We also write for mixed audiences. Credit wants clarity. Compliance wants evidence. Operations wants a checklist that fits the workflow. You get one package that serves all three.
KYT is staged and change-driven. We treat amendments, routing drift, and settlement instruction changes as first-class risks, because that is where approvals break and losses begin.
We document the rationale for clearances and exceptions, not only the outcome. That reduces reviewer friction and protects your team when transactions are questioned later.
Share the transaction narrative, document set, and expected settlement instructions. We will revert with the KYT workplan and deliverables for your review workflow.
Contact FinancelyYes. KYC is onboarding and identity risk. KYT is transaction behavior and value movement in a specific deal. A counterparty can pass KYC and still fail KYT if settlement or touchpoints introduce unacceptable exposure.
The most common triggers are third-party payments without a documented basis, late-stage bank coordinate changes, routing that introduces high-risk touchpoints, pricing outliers without proof, and document inconsistencies across the set.
Yes. KYT supports LC transactions by validating documentary coherence and party and bank touchpoints. Amendments are a frequent source of risk drift and should be controlled and documented.
At minimum, the transaction narrative, contract or term sheet, invoice set, shipping or logistics evidence available so far, and the expected settlement instructions including ordering party and beneficiary details.
Disclaimer: 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 provide loans directly. Financely operates on a best-efforts basis as an arranger and advisor through third-party capital providers and, where required, regulated execution partners. No financing is guaranteed. Any terms are subject to diligence, lender approvals, definitive documentation, and compliance screening.
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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