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.
Physical commodity transactions do not fail only on price. They fail on settlement mechanics. Two deals can have the same supplier, same product, and same route, yet one closes and the other dies because the payment structure did not match the risk profile.
Buyers want delayed payment. Sellers want cash certainty. Banks want documentary precision and clean compliance. The contract has to connect those three realities without creating contradictions between Incoterms, shipping documents, and payment triggers.
Below is the full mainstream stack used in cross-border physical commodity deals, from highest seller protection to highest buyer protection.
Buyer pays before shipment, often by wire. In smaller deals, escrow can be used. Strongest position for seller, weakest for buyer. Usually seen in first transactions, tight markets, or where buyer credit is weak.
Seller ships first. Buyer pays later, commonly 30/60/90 days. Strong buyer position, high seller exposure. Works when credit history is proven and dispute behavior is clean.
Documents are released against payment at sight. Banks pass documents and funds but do not guarantee payment. Cost is lower than a letter of credit, with higher risk.
Documents are released once the buyer accepts a time draft and commits to pay at maturity. Better cash terms for buyer, more credit risk for seller than D/P.
Issuing bank undertakes payment if compliant documents are presented. Strong control tool in new corridors and first-time relationships.
Same documentary control as a sight LC, with payment at a future date. Can be discounted for earlier liquidity if structure and paper are clean.
A second bank adds its payment undertaking. Used when seller wants to reduce issuing bank or country exposure.
A contingent payment undertaking. In commodity contracts it often backs performance, advance payments, or open account exposure. Drawing terms must be drafted with precision.
Common in tenders, performance obligations, and advance-payment protection. Works as credit support when the core sale is settled under another method.
Buyer or distributor pays after onward sale to end customers. Seller keeps title until resale. Highest working-capital strain for supplier, so credit discipline must be strong.
Common in real market practice: deposit on contract, balance against shipping documents, and true-up on assay or discharge data. These structures reduce one-sided risk when cargo quality and logistics variability are high.
Documentary credits and collections can be run with electronic records when contracts and banks adopt the relevant eRules. This reduces courier friction and timing gaps on document presentation.
| Method | Seller Credit Risk | Buyer Cash Risk | Bank Payment Undertaking | Best Fit |
|---|---|---|---|---|
| Cash In Advance | Low | High | No | New counterparties, stressed credit profiles |
| Open Account | High | Low | No | Long relationship, strong buyer credit |
| D/P Collection | Medium | Medium | No | Established trade lanes with moderate risk |
| D/A Collection | Medium-High | Low-Medium | No | Repeat flows where buyer needs tenor |
| Sight LC | Low-Medium | Medium | Yes | First transactions and larger ticket sizes |
| Usance LC | Medium | Low-Medium | Yes | Working-capital balance for both sides |
| Confirmed LC | Lower than unconfirmed LC | Medium | Yes, two-bank stack | Issuer/country risk concerns |
| SBLC / Guarantee Support | Depends on draw drafting | Depends on trigger terms | Contingent | Performance and payment backstops |
| Consignment | Very High | Low | No | Distributor-led markets with proven sell-through |
Selection should not start with “what is cheapest.” Start with four hard filters:
Then build the settlement chain around those filters. In many commodity trades, a hybrid structure is stronger than a pure one-method contract. Example: partial prepayment, documentary control at shipment, and final reconciliation at discharge or assay.
Teams write FCA/CIF clauses and payment triggers that do not match documentary control points. Result: dispute window opens at the worst moment.
LC or SBLC terms are copied from a prior deal with different cargo economics. One wrong clause can make drawings hard or impossible.
D/P or D/A is used where legal recourse is slow or unreliable. Cost looks lower at first. Real loss profile is higher.
Open account is offered without SBLC, guarantee support, or receivables protection. One delayed payment can block the next shipment cycle.
Financely works as a transaction-led advisory desk for companies that need executable settlement structures, not generic theory. We help sponsors, traders, and intermediaries shape payment mechanics that lenders and counterparties can actually accept.
Typical mandate scope includes:
If you want to understand our delivery model before engagement, see how our process works. If you are ready for transaction review, use our deal submission page.
Send your draft contract terms, commodity specs, route, and counterparties. We will assess method fit, documentary weaknesses, and execution path.
Submit Your DealUsually yes, because documents are controlled through banks. It still does not carry a bank payment guarantee like an LC.
Not always. D/A can work in mature relationships with strong buyer track record and clear legal recourse. In fragile corridors, seller risk can become unacceptable.
Use it when seller risk on issuing bank credit or country exposure is not acceptable under an unconfirmed LC.
It depends on contract design. SBLC is usually contingent support, while a commercial LC is a primary settlement route against compliant documents.
No. Electronic presentation still needs rule selection, documentary discipline, and clean drafting. Digitizing bad drafting still creates bad outcomes.
Draft SPA or contract summary, product specs, Incoterms, route, expected shipment schedule, buyer and seller details, and current proposed payment terms.
This content is provided for commercial information and does not constitute legal, tax, or regulatory advice. Any financing or instrument support is subject to underwriting, compliance checks, sanctions screening, counterparty review, and final approvals by relevant providers.
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.
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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.
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Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
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Get financed on workable terms for closing. Submit the RFQ to start underwriting.
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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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