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.
Clients searching for an MT103 Sender or a non recourse loan are usually chasing one outcome: a real funding process where a bankable SBLC supports the capital raise, the project repays the facility, no personal guarantee is required from the sponsor, and the transaction is carried through to final disbursement. That is what Financely arranges. We structure the monetization path, manage the underwriting burden, coordinate the counterparties, and support the closing sequence through to the point where funds are released and the MT103 follows after disbursement.
A serious non recourse loan against an SBLC is not just about presenting an instrument and hoping cash appears. The project has to stand on its own economics. The funding party needs comfort that the underlying cash flows, receivables, contracted revenues, off-take proceeds, or exit event can repay the facility. In this structure, repayment is expected to come from the project or transaction itself, not from a sponsor’s personal balance sheet.
That is the distinction that matters. This is not personal-guarantee lending dressed up with fancy words. Where the structure qualifies, the loan is underwritten on the basis of the project, the transaction cash flow, the instrument support, the counterparties, and the legal package. The SBLC helps support the credit case. The project is what reimburses the loan.
Minimum deal size: Financely accepts mandates for underlying SBLC transactions with a minimum face value of USD 5,000,000. Files below that level usually do not justify the legal, underwriting, compliance, and execution burden involved in this service.
Financely handles this as a transaction-led execution mandate. We assess whether the proposed SBLC-backed case can support a non recourse loan or another monetization structure, package the file for underwriting, coordinate with counterparties, and support the matter through the documentation and closing path. The target outcome is a funded transaction where repayment comes from the project and the MT103 is issued after disbursement.
We review the underlying project, use of proceeds, revenue logic, counterparty strength, and repayment path to determine whether the case is suitable for a non recourse loan structure.
We assess the issuing bank, indicative wording, tenor, beneficiary setup, jurisdiction, and overall bankability of the SBLC proposed to support the funding case.
We assemble the documents and transaction narrative needed to show that the project, not the individual sponsor, can service and repay the facility under a credible structure.
Where the file survives review, we support the matter through indicative terms, compliance clearance, legal documentation, closing conditions, disbursement, and post-closing payment evidence.
In a true non recourse loan structure, the lender or funding counterparty looks first to the project, transaction, or pledged deal cash flows for repayment. That means the strength of the underlying economics matters far more than sponsor noise. The SBLC may provide additional credit support, but it is not a substitute for a weak project.
Typical repayment sources may include contracted receivables, commodity sale proceeds, project revenues, lease inflows, concession payments, milestone payments, or another definable source of cash generated by the transaction. If those sources are not credible, the file usually fails.
Important: a non recourse loan does not mean no underwriting. It means the lender expects repayment from the project or transaction and does not rely on a personal guarantee from the sponsor. The underwriting is usually tougher, not easier, because the project has to stand on its own.
The sequence is straightforward even if the work behind it is not. The file is reviewed. The SBLC-backed structure is assessed. The project economics are tested. The underwriting package is built. Counterparties review the case. If the matter gets approved, legal documents are finalized and closing conditions are satisfied. Funds are then released, and the MT103 is generated as the SWIFT payment message after the disbursement.
| Step | What Happens |
|---|---|
| 1. Intake And Screening | The client submits the project summary, requested amount, use of proceeds, instrument information, counterparties, and supporting documents for commercial review. |
| 2. Engagement And Onboarding | If suitable, Financely issues the mandate, collects the retainer, and begins onboarding, KYC, and file build-out. |
| 3. Document Assembly | Corporate, transaction, instrument, financial, project, and compliance documents are organized into an underwriting-ready file. |
| 4. Project And Instrument Underwriting | The funding side reviews the project repayment logic, contract stack, cash flow quality, SBLC strength, issuer acceptability, jurisdiction, and legal structure. |
| 5. Indicative Terms | If the file survives early review, the parties move toward indicative pricing, structure, facility conditions, and disbursement mechanics. |
| 6. Legal And Compliance Review | KYC, AML, sanctions screening, beneficial ownership review, project contract review, and document comments are addressed before final sign-off. |
| 7. Closing And Funding | Final documents are executed, conditions precedent are satisfied, and the approved facility amount is disbursed. |
| 8. MT103 After Disbursement | Once funds are transmitted after closing, the MT103 is produced as the payment message evidencing the transfer. |
This type of file takes time because both the SBLC and the project have to be underwritten properly. The counterparty is not just asking whether an instrument exists. It is asking whether the issuing bank is acceptable, whether the wording works, whether the project can repay the loan, whether the counterparties are credible, whether the contract stack is enforceable, and whether the compliance exposure is clean.
That is why a real execution window is usually 45 to 90 days. Some cases die early because the project economics are weak, the issuer is not acceptable, the documents are messy, or the sponsor does not have a real file. Others move forward but still require weeks of legal review, clarifications, and closing coordination.
We need enough material to test whether the project can support a non recourse loan and whether the SBLC-backed structure is actually bankable. A request with no commercial file behind it is not enough.
For a non recourse loan, the underwriting focus is brutal and simple: can the project repay the facility without leaning on a personal guarantee? The SBLC helps, but the project still has to carry the weight.
The core question is whether the project or transaction can generate enough cash to reimburse the loan under realistic assumptions.
Underwriters review off-take contracts, purchase commitments, leases, construction arrangements, concessions, and other agreements supporting the revenue story.
The standing of the SBLC issuer matters. Weak issuers can damage the credit case even where the project looks decent.
Bad wording, poor draw mechanics, short tenor, or unclear beneficiary rights can undermine the file quickly.
Parties, contracts, and security interests have to work across the relevant jurisdictions. Counsel often has to test that before closing.
KYC, AML, sanctions, beneficial ownership, and source-of-funds issues can stop the file even where the commercial case appears strong.
Some sponsors hear “no personal guarantee” and assume that makes the facility easier. It does not. It means the transaction has to be tighter. The project documents have to be cleaner. The revenue assumptions have to be credible. The security package has to make sense. The lender needs confidence that repayment comes from the project, not from chasing an individual later.
In plain English: the project reimburses the loan. The sponsor is not expected to backstop the facility with a personal guarantee. That is the commercial logic clients are usually seeking when they ask for a non recourse loan against an SBLC-backed structure.
Financely prices this as a premium execution mandate because the work includes transaction assessment, project review, instrument review, underwriting preparation, counterparty coordination, compliance handling, and support through closing. This is specialist work with a long execution cycle.
| Transaction Size | Indicative Fees |
|---|---|
| USD 5,000,000 to USD 24,999,999 | Upfront retainer: USD 69,375
Success fee: 9.375% of gross funded amount |
| USD 25,000,000 to USD 99,999,999 | Upfront retainer: USD 131,250
Success fee: 7.50% of gross funded amount |
| USD 100,000,000 and above | Upfront retainer: From USD 223,125
Success fee: 5.625% to 7.50% of gross funded amount depending on complexity, issuer quality, tenor, jurisdiction, and execution burden |
The success fee applies only to the amount actually funded and disbursed under executed documents. The retainer covers the structuring, packaging, review, routing, and execution work required to move the file through underwriting and toward closing.
This service is for sponsors, developers, traders, principals, and project owners who have a real commercial transaction, a credible project repayment story, and a genuine need for a non recourse loan or SBLC-backed monetization path. It is not for people shopping for fake screenshots, magic SWIFT promises, or paper instruments with no underlying project behind them.
If you need Financely to arrange an SBLC-backed non recourse loan structure, support the underwriting, and carry the file through to final disbursement and MT103 release after closing, submit your transaction for review.
It means the project or transaction is expected to reimburse the loan, and the structure is not built around a personal guarantee from the sponsor.
No. It usually means the project underwriting has to be stronger because the lender is relying on the project cash flow and transaction structure for repayment.
The SBLC provides credit support to the transaction, but it does not replace the need for a viable project, acceptable cash flow logic, and real underwriting.
In this market, clients often use that phrase to describe the funded end result. In practice, the MT103 is the SWIFT payment message that follows the actual disbursement after closing.
The minimum underlying SBLC face value Financely considers for this service is USD 5,000,000.
Most serious files take roughly 45 to 90 days, depending on project quality, issuer quality, document readiness, legal review, and compliance clearance.
You need corporate documents, KYC records, project and transaction documents, use of proceeds details, instrument details, financial information, and any supporting legal or bank correspondence available.
No. Financely acts on a best-efforts basis. Every case remains subject to underwriting, legal documentation, KYC, AML, sanctions review, counterparty acceptance, and final execution.
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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request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
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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