Mandate Process. Scope of Services, Procedures, Timelines, and Earnings Disclaimer

1. Scope Of Engagement

Financely Group structures, underwrites, and places funding across private credit, asset-backed lending, trade finance, mezzanine debt, warehouse financing, and bridging loans. We package each file for credit committees, coordinate external advisers, and steer transaction execution through closing.

2. Procedure And Timelines

• Week 0. Mandate execution and retainer settlement. Client uploads financials, collateral schedules, and KYC packs to the portal.
• Week 1 to 3. Underwriting. Cash-flow modelling, covenant stress tests, collateral checks, legal and tax reviews, third-party technical reports ordered where required.
• Week 4. Market release. Investment memorandum and draft term sheet circulated to approved lenders and insurers. Indicative pricing sounds captured.
• Week 5 to 7. Due diligence. Q and A sessions, site visits, independent valuations, condition precedents mapped. Lender counsel issues comments.
• Week 8 to 12. Documentation and closing. Facility agreements negotiated, security perfected, conditions satisfied. Funds move on agreement date or against issued instruments in the case of letters of credit.

Timelines are averages. Regulatory approvals, environmental clearances, or complex collateral can extend the schedule.

3. Transactions Covered

• Standby and documentary letters of credit under UCP 600 or ISP 98.
• Borrowing-base and reserve-based revolving lines for commodity flows.
• Pre-export and pre-payment facilities secured on offtake contracts.
• Senior secured notes and mezzanine debt tranches for project finance.
• Warehouse receipt financing and inventory draw loans.
• Short-term bridging loans linked to defined liquidity events.

4. Advisor Bench Strength

Assignments are staffed with subject-matter professionals who hold combinations of CFA, CAIA, ACCA, LLM in banking law, and chartered engineering credentials. Many advisers previously sat on credit desks at international banks or managed portfolios at private credit funds. Sector specialists join mandates when technical insight is needed for mining, energy, or agribusiness assets.

5. Fee Components

• Underwriting retainer. Funds modelling, collateral verification, covenant design, legal structuring, and third-party reports. Payable once and credited toward work product that remains with the client.
• Success-based compensation. Triggered only upon funding. Calculated as a percentage of amounts drawn or instrument face value. When a securities placement is involved, the fee is documented and paid through a licensed broker-dealer under a chaperone agreement.
• Out-of-pocket costs. Travel, filings, and data-room hosting recharged at cost with client pre-approval for items above USD 35 000.

6. No Guarantee Of Success

Financely Group commits to a professional best-efforts process, not a predetermined outcome. Funding decisions rest exclusively with lenders, insurers, and investors. We reserve the right to withdraw a file if material adverse information arises or if the client fails to meet disclosure obligations.

Earnings Disclaimer

Past closings, published fee spreads, or illustrative returns are provided for context only and do not promise future results. Credit markets move, lender appetite changes, and transaction terms are subject to independent credit approval. Clients should seek their own legal, tax, and financial advice before relying on any projection or fee illustration presented by Financely Group.