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.
An MT-760 Standby Letter of Credit is a bank undertaking transmitted over SWIFT. If the applicant fails to perform, the issuing bank pays the beneficiary against a compliant demand, up to the stated amount, before expiry and under the agreed rule set. Used correctly, an MT-760 can unlock shipment, secure EPC obligations, satisfy tender requirements, and support structured credit. Used badly, it becomes a slow loop of rejected wording, compliance delays, and last-minute amendments.
Financely does not issue SBLCs. We structure issuer-ready files and coordinate placement and execution through regulated counterparties. If you have limited collateral capacity, we focus on credit structure, controls, and gap solutions that can make issuance feasible without turning the instrument into a liability trap. See our Structured Trade Finance approach and our Asset-Based Lending structuring options.
MT-760 is the SWIFT FIN message category used to issue a demand guarantee or standby letter of credit. It creates an authenticated bank-to-bank record and standardizes key fields so advising banks can verify and advise the undertaking. The legal enforceability is not “because it is SWIFT”. It is because it is a contractual bank undertaking governed by a recognized rule set and the governing law stated in the instrument.
Most standbys are issued under ISP98 because it is designed for standby practice and deals cleanly with non-documentary conditions, partial drawings, and presentation mechanics. UCP 600 is common for documentary credits and is used where the commercial context demands it. Demand guarantees often reference URDG 758.
The highest-quality use cases are simple: a real contract, a real counterparty, and a clear risk that the SBLC addresses. In trade and projects, the instrument sits inside a broader structure that includes KYC, sanctions screening, and documentary controls.
Sellers may ship on terms when they have a standby from an acceptable issuer, especially where the buyer wants working capital breathing room. In repeat programs, the goal is not one-off heroics. It is a controllable framework that a bank can renew and scale. For transaction structuring, see our Trade Finance platform workflow.
Owners and employers request performance, advance payment, and warranty support. A properly drafted standby reduces disputes by making the call mechanics and expiry logic explicit and aligned with the underlying contract milestones.
Some tenders and licensing regimes require bank-backed security. The critical point is beneficiary identity and governing law. Vague beneficiary structures or unfamiliar courts reduce acceptance and can trigger confirmation demands.
A standby can support a lender’s risk appetite, but it does not replace underwriting. Where collateral is incomplete, the structure can combine receivables controls, inventory oversight, and private credit participation. Explore Private Credit Financing for gap solutions.
Banks do not underwrite vibes. They underwrite repayment capacity, controllability, and compliance. If any of those fail, the pricing increases, the limit shrinks, or the file is declined.
Compliance is not a formality. Expect real screening and real questions on ownership and counterparties.
Draft quality decides speed. The most common failures are avoidable: mismatched legal names, unclear expiry mechanics, conflicting rule language, and call requirements that cannot be complied with in practice.
A clean workflow reduces back-and-forth and keeps the instrument aligned with the underlying deal timetable. The best results come from a single thread of control: one package, one draft, one issuer process, tracked to a real deadline.
We start with a transaction summary, counterparty profile, and a light KYC view. The aim is to confirm the instrument type, rule set, and whether a credible issuer path exists.
The file moves into a controlled workspace with the contract, draft wording, corporate documents, and financials. Missing items are flagged early so the issuer does not stall mid-cycle.
The issuer reviews credit and compliance, then confirms collateral and controls. Where collateral is partial, we structure mitigants that banks actually recognize, not fantasies.
Wording is finalized, fees and commissions are settled per the issuer’s policy, and the MT-760 is transmitted and advised through the beneficiary’s bank. For reference on message categories, see SWIFT documentation: Guarantee and Standby Message Types.
Pricing is driven by credit risk, jurisdiction, tenor, beneficiary requirements, and whether confirmation is needed. In most mandates, the economics fall into four buckets: issuing bank commission (quoted per annum), fixed issuance and amendment charges, confirmation pricing (if required), and professional costs (legal review or opinion where needed).
Treat any offer of “instant monetization” or “leased SBLC with no credit review” as a stop sign. Real issuance is underwriting plus documentation plus compliance. If a party tries to bypass that, you are being pulled into a structure designed to fail.
If your problem is collateral, the correct fix is structuring, not gimmicks. Depending on the deal, solutions may include receivables controls, inventory supervision, structured trade finance, or private credit gap support. Start with Structured Trade Finance and scale from there.
An issuer-ready file is boring by design. It contains what compliance and credit teams need to approve, not what sales decks want to show.
Sometimes, but only inside a properly documented structure with a real lender, clear facility terms, and enforceable controls. The SBLC does not replace underwriting. If someone pitches “cash against face value” without recourse and without credit review, treat it as fraud risk.
No. Confirmation is a second undertaking added by a confirming bank. It is requested when the beneficiary’s bank policy demands it due to issuer rating, country risk, tenor, or governance requirements. If it is not required, it can add cost without improving execution.
If the demand is compliant, the issuing bank pays. The applicant then owes reimbursement to the bank under the applicant agreement and security documents. That is why call conditions, controls, and underlying deal integrity matter.
Timing depends on KYC readiness, issuer cycle times, draft quality, and collateral. Repeat clients with current KYC and clean drafting can move fast. First-time applicants typically take longer because compliance and credit have to be built from scratch.
No. We focus on regulated issuance pathways and lender-grade structures. If a party is selling a shortcut, you should assume you are the exit liquidity.
Financely runs the process from structuring to execution through regulated counterparties. The engagement focuses on speed and certainty: clean drafting, issuer alignment, credit strategy for limited collateral, and an execution workflow that stays controlled from mandate to SWIFT. If you need a structure that does not rely on full cash collateral, we bring options that can close the gap, including lender-recognized controls and, where appropriate, private credit participation.
Submit your contract, beneficiary requirements, requested amount and tenor, and your KYC pack. We will revert with an eligibility view and realistic execution options.
Apply For A QuoteDisclaimer: This page is for general information only and does not constitute legal, tax, regulatory, investment, or credit advice. Financely is not a bank and does not issue letters of credit or guarantees. Any SBLC, documentary credit, confirmation, or financing facility is provided solely by regulated counterparties under their own licenses, approvals, documentation, and credit decisions. All mandates are subject to eligibility, full KYC and AML review, sanctions screening, and execution of formal agreements. SBLCs are contingent liabilities and may become a reimbursement obligation if a compliant demand is honored by the issuing bank.
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.
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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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