On a construction project, payment security can decide who wins the contract and who sits on the bench. Owners want performance protection. General contractors want certainty that progress payments will arrive. Subcontractors and suppliers want comfort that work and materials will be paid for even if the main counterparty runs into trouble.
Letters of Credit sit at the center of this risk conversation. Used properly, they turn project obligations into clear bank undertakings backed by regulated institutions. Used poorly, they become a source of delay, rejected wording, and stalled contract awards. Financely focuses on structuring and placing practical LC solutions for construction and infrastructure sponsors that need bank support without wasting months in internal bank queues.
Construction contracts create a series of risks that can be shared between owner, contractor, and subcontractors. Letters of Credit can support that allocation when they are tailored to the contract and jurisdiction.
The objective is not to over engineer the security package. It is to design LC support that gives owners and lenders real comfort without suffocating the contractor’s cash position.
We work with parties that already have projects in motion or in late stage tender, not with speculative pitch decks.
We start with the construction contract, tender documents, and employer requirements. We map payment milestones, retention rules, liquidated damages, and any existing security provisions. From this we identify where LCs make sense and where other tools are more appropriate, so you do not commit to structures that banks will not support.
We propose LC types, amounts, and tenors aligned with the contract. That includes performance SBLCs, advance payment SBLCs, retention LCs, and trade DLCs for equipment imports. We draft or refine LC wording under UCP 600 or ISP98 so that draw conditions are clear, defensible, and consistent with the contract and local law.
Banks do not issue LCs on wishful thinking. We build a credit summary with historic financials, work in hand, track record, and project level analysis. Where needed, we design collateral enhancements such as assignment of receivables, support from sponsors, or partial cash margin funded by private capital so that bank lines can be unlocked for LC issuance.
We take the structured file to a focused set of banks and trade finance lenders active in construction and infrastructure. We manage questions, conditions, and revisions until terms are agreed and the LC is approved and issued by the selected institution. For multi year projects we work toward frameworks that cover phased LC issuance rather than one off approvals each time.
Construction projects are time sensitive. Security must be in place before notice to proceed or drawing down senior debt. Our engagement model reflects that.
We require direct contact with decision makers, full access to the contract and project model, and realistic expectations on pricing and collateral. We decline files where those conditions are not met.
No. Financely is not a bank, insurer, or surety company. We do not issue LCs or bonds. We operate as an advisory and structuring firm and work with regulated issuers that provide LCs under their own licenses and documents.
In some jurisdictions and contracts, yes. In others, statutes or procurement rules require surety bonds only. Part of our work is to review the tender or contract and confirm whether LCs are acceptable security or only a partial substitute.
We are generally most effective with contractors and developers that have at least 10 million dollars of annual revenue, audited accounts, and a track record of completed projects. Smaller or very early stage contractors may not be suitable for LC based structures through our model.
Yes, provided the underlying project structure and counterparties pass compliance. We regularly work on projects where owners, contractors, and suppliers sit in different jurisdictions and LC flows must be coordinated across borders.
Retainers cover our time for structuring, analysis, and distribution work and are generally non refundable. Success fees are payable only when an LC is issued on agreed terms by a regulated institution. All commercial terms are set out in the mandate before any work starts.
If your construction or infrastructure contract requires performance, advance payment, or retention Letters of Credit and your current banking setup is not delivering clear solutions, Financely can review the project and outline realistic options.
Share your contract, project summary, requested LC amounts, and financials through our contact form. We will revert with a feasibility view and, where appropriate, a mandate proposal with scope, fees, and an indicative timetable.
Request Construction LC ProposalDisclaimer: This page is for general information only. It does not constitute legal, tax, regulatory, investment, or credit advice and it is not an offer or commitment by Financely or any third party to arrange or provide any Letter of Credit, bond, or financing. Financely is not a bank, insurer, surety, broker dealer, or investment adviser and does not accept client deposits or issue guarantees. Any LC or facility described here is issued or provided solely by regulated counterparties under their own licenses, approvals, policies, and documentation. All transactions are subject to eligibility, full KYC and AML review, sanctions screening, credit approval, and execution of formal agreements.
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.
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 RequestAccess 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 RequestSecure 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 RequestFinancely 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.
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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