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.
In many physical gold flows originating in Africa and Latin America, the trader pre-funds the producer. Capital is advanced to cover mining operations, local refining, logistics, export documentation, and initial taxes. The trader then lifts the metal and sells it onward to refineries or bullion buyers in hubs such as Dubai, Europe, or Asia. Margins are thin and turnover is high. A typical trader targets only a few percent gross margin per 50 kilogram parcel of 20–22 karat doré, with slightly stronger economics on consistent 23 karat Australian nugget programs. One pricing error, timing mismatch, or counterparty failure can erase the entire margin.
When a trader advances funds to a producer in West Africa, the Andes, or regional Australia, they assume geological, operational, price, regulatory, and political risk well before any metal reaches a controlled vault. Producers require working capital to operate. Traders require secured access to production and a defined exit route through a refinery or bullion buyer. No serious financier supports these transactions on unsecured promises.
In practice, a trader may:
With margins this narrow, inefficient collateral structures, excessive fees, or poor timing destroy the economics. This is why banks and credit providers require traders to post margin and absorb first loss exposure before extending LC facilities or trade lines.
In many African and Latin American flows, gold is refined locally to export standard and then transferred under a Collateral Management Agreement into a recognised vault or free trade zone. The CMA is a tripartite arrangement between the financier, the trader, and an independent collateral manager who controls access to the metal and issues receipts relied upon by lenders.
Common patterns include:
Crucially, the financier only treats gold as collateral once title has passed into a controlled storage arrangement. Before that, the metal belongs to the producer or refinery. The trader cannot use that future metal as collateral for the letter of credit that pays the producer, because the bank needs recourse to assets the trader actually owns or controls. This framework reflects standard market practice observed across established physical bullion dealers and counterparties such as US Gold and Coin.
Banks issuing LCs in producer-funded trades are not funding the transaction outright. They are extending their balance sheet and taking direct payment risk. Once compliant documents are presented, the bank must pay regardless of downstream outcomes. As a result, banks demand margin, guarantees, and enforceable security from the trader.
To scale beyond internal cash constraints, traders often bring in third-party margin providers. These parties post margin, take first loss exposure, and receive priority repayment from offtake proceeds under tightly controlled structures.
English, Swiss, Singaporean, and UAE law frequently govern security packages even when production occurs in frontier jurisdictions. What matters is enforceability, not narrative.
For producer-funded gold traders, deal flow is rarely the bottleneck. Margin and first loss capital are. Without them, LC lines do not open and collateral providers disengage. Bankable structures start with real underwriting of shipments, contracts, and downside scenarios.
We structure and underwrite margin and first loss capital solutions for repeat gold export flows, subject to full diligence on contracts, counterparties, and jurisdictions.
Contact UsWe act as arranger and advisor through regulated partners. We are not a bank and do not hold client funds. All engagements are subject to KYC, AML, and sanctions screening. Examples are illustrative only and must be assessed with independent legal and tax advisors.
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.
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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.
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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.
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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