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.
Trade Finance
This narrative usually includes three claims: (1) a “conditional” MT103 or MT202 exists, (2) funds can be “manually downloaded,” and (3) a 50 percent split will be paid once a third party helps “release” the transfer. None of this matches how correspondent banking and cover payments operate.
If you are being asked to act as an “MT103 receiver” or “MT202 receiver,” treat it as a documentation story with no executable cash leg behind it.
MT103 is a SWIFT message type used to transmit customer credit transfer details from the sending bank to the receiving bank. It is messaging. It is not stored value. The message itself does not “hold money,” and it does not create a separate pool of funds that can be unlocked later.
Practical point: if cover funds do not settle through the correspondent chain, the receiving bank does not have cash to post. At that point, an MT103 is just an advice in a narrative, not a completed payment.
MT202 is used for bank-to-bank transfers, typically moving balances between correspondent accounts. For customer payments that are settled through cover arrangements, the relevant concept is MT202 COV, which is the cover payment format that repeats key MT103 data so intermediaries can apply sanctions and AML screening consistently.
When people wave around an MT202 as “proof” of customer funds, they are usually confusing message labels with settlement reality.
Where is the confirmed settlement trail through correspondents, and which bank has actually credited which account? If they cannot answer that clearly, you do not have a payment.
SWIFT message standards are structured. There is no legitimate field that allows a sender to “lock” funds in the network and then “unlock” them later with a manual action by a third party. Extra free-text claims do not override payment operations. If the underlying cover funds are missing, mismatched, or blocked, nothing “releases.”
The “manual download” pitch claims money is waiting in a SWIFT cloud until a compliance operator downloads it. That is not a feature of SWIFT FIN messaging. A payment either proceeds through the banks involved and settles, or it is rejected, recalled, or remains unresolved due to missing cover or compliance blocks.
Unsettled or problematic transfers can be stopped or recalled by the ordering bank via standard banking processes, including gpi stop and recall workflows where applicable. If a transfer is voided, mismatched, or flagged, banks unwind or reject. This is one reason the “monetize the message” narrative collapses on contact with real compliance and treasury teams.
Legitimate capital does not need to be gifted away to unknown intermediaries to be “released.” When someone offers half of a supposed wire transfer to a stranger who pays “fees,” you are not seeing a commercial rationale. You are seeing a fee extraction mechanism attached to a forged or non-settled story.
MT103 and MT202 messaging is not a substitute for settled cash. If the pitch relies on “conditional release,” “manual download,” or a large split for helping “unlock” a transfer, you are not in banking. You are in a document-only narrative designed to create urgency and extract fees or data.
If you have a real trade flow and want a facility structured properly, submit your file for underwriting. We work from contracts, counterparties, controls, and documentation that regulated issuers and lenders can approve.
Reference: Payments Market Practice Group cover payments market practice guidance (Version 4.0, February 2024). 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. All outcomes are subject to diligence, compliance screening (including KYC, AML, and sanctions), counterparty approvals, and definitive documentation.
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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.
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