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.
Documentary Trade | Letters Of Credit | Issuance And Confirmation
When a counterparty demands a letter of credit, the problem is rarely “the instrument.” The problem is eligibility, collateral, country limits, document conditions, and bank appetite for your exact transaction.
Financely runs a controlled process to match your transaction to suitable issuing banks, align documentary conditions to the contract, and drive issuance through to delivery, advising, and where required, confirmation.
A letter of credit is a bank’s conditional undertaking to pay against compliant documents. The commercial objective is to reduce performance and payment risk between counterparties who do not want open account exposure. The structure is document-driven. Getting the documents and conditions wrong is how transactions fail.
Letters of credit are global instruments, but bank appetite is not global. Issuers price and collateralize based on country limits, sector risk, counterparty risk, and enforceability of recourse. The same LC request can be cash-collateralized in one jurisdiction and partially collateralized in another depending on credit support and program availability.
Practical reality: in some countries and for some transaction types, banks may accept less than 100 percent cash collateral when there is strong credit support, eligible collateral, or program support. In the United States, SBA-supported lending can improve access to working capital for qualifying small businesses, which can indirectly strengthen a bank’s comfort with trade facilities depending on structure and underwriting. The exact outcome is deal-specific and bank-specific.
The output is an LC request package that can be reviewed by a trade services team without guesswork.
You get a disciplined path to issuance, not endless emails and vague bank feedback.
| Structure | Typical Use |
|---|---|
| Documentary Letter Of Credit | Settlement against shipping documents, title control, and documentary compliance under UCP 600 terms. |
| Usance Letter Of Credit | Deferred payment terms when the buyer needs time after shipment to pay, often combined with discounting depending on bank appetite. |
| Confirmed Letter Of Credit | Exporter protection when issuer bank risk or country risk requires a confirming bank to add its undertaking. |
| Transferable Letter Of Credit | Intermediary structures where the beneficiary transfers drawing rights to a second beneficiary under defined rules and bank acceptance. |
| Standby Letter Of Credit | Performance or payment support instrument, typically governed under ISP98, triggered by defined presentation conditions. |
This is the controlled workflow required to get to issuance without document failures, bank rejection, or last-minute condition disputes.
| Step | What Happens |
|---|---|
| 1) Onboarding And Eligibility Screen | You submit KYB, UBO, and the underlying contract or PO. We confirm the instrument type, amount, tenor, currency, and whether the request is bankable under typical trade services criteria. |
| 2) Transaction And Document Mapping | We map Incoterms, shipment timing, inspection requirements, and document set feasibility. We identify conditions that are likely to fail in presentation and replace them with bankable equivalents. |
| 3) Issuer Matching By Geography And Structure | We route the request to issuers whose mandates match the country corridor, counterparty profile, tenor, and documentary complexity. Where confirmation is needed, we structure the advising and confirmation path. |
| 4) Collateral And Credit Support Structuring | We assess whether the issuer will require cash collateral, margin, eligible collateral, or facility support. If your bank requires 100 percent cash collateral, we explore alternative issuers, alternative structures, or bridge capital options that fit the transaction. |
| 5) Draft LC Text And Condition Negotiation | We coordinate LC draft language, ensure alignment with UCP 600 or ISP98 as applicable, and negotiate operationally feasible conditions with counterparty expectations. |
| 6) Bank Approvals And Issuance Readiness | Issuer completes credit approval and compliance checks. You deliver required deposits, collateral, or facility documents. We coordinate cut-off dates and operational steps with trade services. |
| 7) Issuance, Advising, And Confirmation | The LC is issued and delivered via SWIFT to the advising bank. If confirmation is required, the confirming bank adds its undertaking subject to agreed terms. |
| 8) Presentation Support And Amendments | We support amendment cycles when shipment dates change, documents evolve, or counterparties request changes. The goal is to avoid discrepancies and payment delays. |
For Financely’s related services and educational guides, see Letter Of Credit Services , Standby Letter Of Credit , Trade Finance , and How It Works.
No. Letters of credit are issued by banks. Financely packages the request to bank standards, matches the transaction to suitable issuing banks, and coordinates the process through to issuance, advising, and where required, confirmation.
Yes. We can pursue alternative issuers, restructure the documentary conditions and risk profile, and help arrange bridge capital where the transaction supports it. Outcomes depend on credit, jurisdiction, counterparty risk, and the document set.
Yes, subject to issuer country limits, sanctions compliance, and transaction verifiability. Geography drives bank appetite, pricing, collateral requirements, and whether confirmation is required.
Submit your contract, documentary requirements, and KYB pack. We will revert with a deal-specific checklist, issuer routing options by geography, and a controlled path to issuance.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank, not a broker-dealer, and not a direct lender. Any engagement, underwriting, and introduction process is subject to diligence, KYB, KYC, AML, sanctions screening, issuer criteria, and definitive documentation. Letters of credit are documentary instruments. Payment and performance depend on strict compliance with the issued terms.
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.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
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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