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
Key point: An MT103 is a SWIFT message type used to confirm that a customer credit transfer has already been executed. It is not a funding product, not a tradable instrument, and not something that can be “sent for profit” as a standalone activity.
If someone is asking you for an “MT103 sender” or an “MT103 receiver” as a business model, you are not looking at a finance structure. You are looking at a story designed to trigger fees, extract data, or create false confidence using forged screenshots.
MT103 is a SWIFT message format for a customer credit transfer. In plain terms, it is the bank to bank confirmation details of a completed wire payment. It is generated after the transfer is processed through regulated payment rails and recorded by the institutions involved.
If your goal is working capital or trade liquidity, start with real instruments and real controls. For LC based structures in real projects, see our guide on Letters of Credit for contracts and projects. If someone is selling you “no upfront fee SBLC issuance,” read this first: No Upfront Fee SBLC Providers Do Not Exist.
In a real transaction, money moves because there is an underlying commercial obligation, documented settlement instructions, and bank approved controls. The MT103 format sits downstream of that reality. Treating it as the product reverses the sequence.
Reality check: if someone claims they can “send an MT103” first and then “release funds” later, they are describing a process that does not match regulated payment operations. A bank transfer is executed through bank accounts. The message is the record, not the asset.
The common pattern is predictable: a screenshot or PDF that imitates SWIFT formatting, paired with urgency, secrecy, and a fast fee request. You are asked to pay “compliance,” “handling,” “release,” “tax,” or “bank charges” to unlock a transfer that never existed.
The same playbook appears in other acronym pitches. If you are seeing KTT or “tested telex” narratives, read: Do Banks Still Accept KTT Transfers in 2025?
The pitch targets one weakness: confusing bank messaging with bank credit. It looks official, it uses acronyms, and it promises a shortcut. The cost is real. You lose time, leak sensitive information, and burn credibility with serious counterparties.
When a real transfer happens and there is a reconciliation issue, banks look for traceable references and authenticated workflows. SWIFT provides public material on messaging standards and how its ecosystem works. Start here: SWIFT Standards and Discover SWIFT.
These resources do not teach a shortcut. They confirm the core point: messaging supports execution, it does not replace it.
Financely does not participate in schemes built around “MT103 senders” or “MT103 receivers.” We structure real transactions using established instruments and enforceable controls, and we work through regulated institutions and execution partners.
If you want funding, start with the file: counterparties, contracts, flows, controls, and a structure that credit committees can approve. That is how you get repeatable liquidity without theatre.
If you have an actual trade flow or capital need and you want it handled correctly, submit your deal for underwriting. We work from documents and controls, not screenshots.
Disclaimer: 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 services are provided on a best efforts basis as an advisor and arranger through third party capital providers and, where required, regulated execution partners. Any financing outcome is subject to diligence, compliance screening (including KYC, AML, and sanctions), counterparty approvals, and definitive documentation.
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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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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.
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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.
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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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