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 submit your deal for review. We revert within one working day with next steps and either a quote for our services.
Finance your next trade, project or acquisition.
Debt structuring, targeted lender outreach and negotiation support through closing.
Paid advisory. Upfront retainer applies.
Your counterparty is not refusing to move because they doubt the business. They are refusing because they cannot see the money, and your word is not a bank undertaking.
We arrange a bank-issued Proof of Funds that your seller, lender or funder can verify directly with the issuing bank. BCL, MT199, MT799 or MT760, from $5,000 flat, typically delivered in 3 to 10 business days depending on the format. If we cannot issue, every fee paid to us is refunded in full.
Please note: This facility is strictly for commercial, B2B transactions. We do not issue instruments for personal banking, individual retail purchases, or residential mortgages.
Select a commercial transaction type below to see how a bank-issued Proof of Funds applies to your specific deal structure.
Refineries and title holders will not issue an SPA or POP without confirming your capacity to pay. A bank-issued MT199 or MT799 satisfies their compliance desk, moving you from the broker queue to the principal desk.
Commercial sellers and institutional agents require proof of funds before releasing due diligence packs or accepting bids. A BCL directly from a partner bank verifies your liquidity without locking your capital prematurely.
Lessors and vessel owners require financial assurance before drafting the charter or lease agreement. An MT760 or BCL provides the required security to the lessor's bank, ensuring the asset is reserved for your operations.
Project sponsors and EPC contractors require capitalization proof before committing resources to solar, wind or carbon credit developments. A verifiable proof of funds instrument satisfies project stakeholders and secures senior debt facilities.
You are not buying a document. You are buying the moment the other side stops stalling and starts performing. Here is what actually changes.
The seller releases the cargo, the lender opens the file or the funder signs the term sheet, because the condition that was blocking them is now satisfied. The conversation moves to completion instead of document chasing.
Every format we arrange is issued by a named, regulated partner bank and can be authenticated bank to bank. Your counterparty's compliance team does not have to take it on trust, which is precisely the reason they were refusing to move in the first place.
A BCL can be delivered in 3 to 5 business days. An MT199 in 4 to 6. An MT799 in 5 to 7. An MT760 in 7 to 10. If your deadline is tight, the priority track compresses those timelines, subject to the issuing bank's capacity on the day.
The fee is fixed by format and face value, confirmed in writing at review. No percentage of the amount on the proof, no success fee, no surprise charge at delivery. A $500 confirmation payment releases the engagement contract and is credited against the total.
The refund guarantee is written into the engagement letter, not buried in the FAQ. If the Proof of Funds cannot be issued, every fee paid to us is returned and no balance is due. You are paying for an issued instrument, not for an application.
A single contact manages the format selection, the counterparty's wording, the issuing bank dialogue and the delivery. You are not routed through a queue, and you do not re-explain the deal at every stage.
The format is decided by whoever is asking for the proof, not by us. Sellers, lenders and funders each have a preference, and using the wrong one gets the document rejected even when the money is real. Select a format to see who uses it and what it delivers.
A letter on bank letterhead, signed by an authorised officer, confirming that the named party has sufficient funds to complete the transaction. It is not a SWIFT message and it is not a payment undertaking, but it is what the majority of sellers and counterparties actually ask for.
A SWIFT message sent from the issuing bank to the counterparty's bank confirming the existence of funds or the willingness to fund the transaction. It is directly verifiable between banks, which is why it is accepted where a letter is not.
A SWIFT pre-advice sent from the issuing bank, used either as a non-blocking indication of funds or as a blocking confirmation in which the funds are earmarked for the transaction. The blocking version is the stronger of the two and is priced accordingly.
A standby letter of credit issued in favour of the beneficiary, which proves funds and carries a bank payment undertaking at the same time. It is the strongest format and the one accepted where a pre-advice or a letter is refused.
The fee is set by format and face value band. Everything below is the total cost of issuance. Nothing is charged as a percentage of the amount on the proof, and no fee is added at delivery.
| Tier | Format | Face value band | Timeline | Flat fee |
|---|---|---|---|---|
| Tier 1 | BCL on bank letterhead | Up to $10M | 3 to 5 business days | $5,000 |
| Tier 2 | SWIFT MT199 | Up to $25M | 4 to 6 business days | $8,000 |
| Tier 3 | SWIFT MT799 non-blocking | Up to $50M | 5 to 7 business days | $12,000 |
| Tier 4 | SWIFT MT799 blocking / RWA | Up to $100M | 5 to 7 business days | $18,000 |
| Tier 5 | SWIFT MT760 standby backed | $100M+ | 7 to 10 business days | $25,000 |
Confirmation payment: $500, credited against the total, releases your engagement contract. Priority 48-hour turnaround: +50% of the tier fee, subject to bank capacity. Each face value band above the tier limit: +$3,000. Multi-bank or multi-format issuance: +$2,500 per additional. Amendment after issuance: $2,500 per amendment.
Arrangement with a rated partner bank whose paper your counterparty will accept. The named issuing bank confirmed in writing before you pay the balance. Authenticated delivery. Direct bank-to-bank verification arranged if your counterparty needs it. A named adviser from intake to delivery.
Any charge levied directly by the issuing bank, such as its own SWIFT or issuance fees, disclosed in writing at review. External legal opinions if you choose to commission one. Translation or notarisation if your counterparty requires it. Nothing else.
It is not a loan, not an advance and not a monetization. A Proof of Funds proves that funds exist; it does not transfer them. If your transaction needs the money to actually move, that is a different structure and we will tell you so at review.
You are paying for an issued instrument, not for an attempt to issue one. The guarantee reflects that, and it is written into your engagement letter.
If the Proof of Funds cannot be arranged, every fee paid to us is returned in full within the period stated in the engagement letter. No balance is due, and no further work is charged.
The review is free. You only pay the $500 confirmation once we have confirmed in writing that the transaction is issuable and which tier applies. If we decline the file, you owe nothing.
It covers issuance, not your counterparty's acceptance. Acceptance is a documentary matter, which is why the wording review exists. Files built on inaccurate or altered documents fall outside the engagement and outside the guarantee.
We only take on files we believe can be issued, and we only confirm a tier and a timeline once we have looked at the counterparty, the wording and the jurisdiction. If we are not confident, we decline. That is the reason the guarantee has teeth.
Five stages, one named adviser, one accountable date. The clock starts when your file is complete and the issuing bank's compliance is cleared.
1. Your file
Deal and counterparty details
2. Review
Format, tier and eligibility
3. Contract
$500 confirms and releases it
4. Issuance
Bank issues the instrument
5. Delivery
Verified by your counterparty
Free review
No fee is charged until we confirm the file is issuable, the tier applies and the timeline is realistic.
Refund guarantee
If the instrument cannot be issued, every fee paid to us is returned in full and no balance is due.
Upload the deal and your counterparty's requirement
We confirm the format, tier, price and timeline
You pay $500, receive the contract and lock the slot
The issuing bank completes credit and compliance
Authenticated delivery, balance settled on issuance
You will know within one business day whether the Proof of Funds is issuable, which format and tier apply, and what the total cost is. Nothing is paid before that answer, and if we cannot issue, every fee paid to us is refunded.
If your seller, lender, funder or counterparty has asked for one in writing, yes. If they have not, ask them exactly what they need before you spend anything. The single biggest waste in this market is applicants who buy the wrong format for a counterparty that wanted something else.
Whichever your counterparty's bank will accept. BCL is the most common and the fastest. MT199 is used where the counterparty's bank wants SWIFT confirmation. MT799 is used where a pre-advice or blocking confirmation is required. MT760 is used where a standby is demanded. If you are unsure, send us their requirement and we will tell you at review.
No. A Proof of Funds demonstrates that funds exist and can be verified. It does not transfer, lend or release them. If your deal needs the money to actually move, that is a different structure and we will tell you so before you pay anything.
Yes, for every SWIFT format. For a BCL, verification is by direct contact with the issuing bank. We arrange bank-to-bank verification where your counterparty requires it, which is the single fastest way to end the back-and-forth.
Between 3 and 10 business days depending on format, starting from the point the file is complete and compliance is cleared. Priority processing can compress this, subject to the issuing bank's capacity at the time. We confirm the timeline in writing at review.
If the Proof of Funds cannot be issued, every fee paid to us is returned in full and no balance is due. The guarantee covers issuance. It does not cover a counterparty that rejects the instrument after it has been authenticated, or a file built on inaccurate or altered documents.
No. Financely is an arranger, not a bank. The instrument is issued by a named, regulated partner bank and delivered in the format your counterparty requires. We prepare the file, place it with the right bank, manage the wording and coordinate verification.