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.
Financely · Proof of Funds · Commercial Transactions · Corporate Only
Counterparties, sellers, tender authorities, and credit committees require documentary evidence of financial capacity before they allocate exclusivity, sign supply contracts, issue term sheets, or advance to the next stage of a transaction. Screenshots of bank accounts are rejected. Unsigned internal statements are rejected. What recipients accept is a bank-issued document, properly worded, coming through the right channel, from a verifiable regulated institution. Financely routes proof of funds requests to third-party issuers who hold funded accounts at top-tier banks in the US, EU, UK, UAE, and Singapore. They agree to issue proof of funds documentation for a flat fee. The instrument is valid for 90 days from the date of issuance and can be extended. This service is for corporate commercial transactions only.
Financely does not issue proof of funds directly. Financely coordinates the request through a network of third-party issuers who are professional entities maintaining funded accounts at top-tier regulated banks. When a buyer, sponsor, or bidder needs to demonstrate financial capacity to a counterparty, they submit a request through Financely. Financely screens the request for credibility, format fit, and compliance, routes it to the appropriate issuer based on the required bank jurisdiction and document format, and manages the wording alignment and delivery process through to issuance.
The issuer's bank issues the proof of funds document (whether a Bank Comfort Letter on letterhead, an MT799 SWIFT pre-advice, or an MT199 SWIFT comfort message) in favour of the named recipient and for the stated commercial purpose. The issuer charges a flat fee for this service. The proof of funds is valid for 90 days from the date of issuance. If the transaction takes longer than 90 days to complete, an extension can be arranged for an additional flat fee before the validity window expires.
Corporate transactions only: This service is strictly for corporate commercial transactions where a buyer, bidder, sponsor, or developer must evidence financial capacity for a defined commercial purpose: commodity trade contracts, acquisition negotiations, tender submissions, charter party qualification, or project finance pre-screening. Financely does not process proof of funds requests for visa applications, immigration purposes, personal use, or any purpose not tied to a verifiable corporate transaction.
| Format | Full name | What it confirms | How it is delivered | When to use it |
|---|---|---|---|---|
| BCL Draft | Bank Comfort Letter | Available funds or banking capacity for a stated amount, currency, and commercial purpose, as of a stated date. Addressed to a named recipient. Signed by a bank officer with verifiable contact details. | Bank letterhead. Emailed to the recipient or transmitted bank-to-bank. Verifiable by the recipient contacting the issuing bank officer directly during business hours. | Counterparty requires a signed bank letter before signing a supply contract, allocating inventory, or advancing to due diligence. Most common format for commodity trades and real estate acquisitions. |
| MT799 Draft | SWIFT MT799 Free Format Pre-Advice | A bank's readiness and capacity to issue a payment instrument (typically a documentary LC or standby LC) for the stated transaction. Transmitted between the issuing bank and the receiving bank via the authenticated SWIFT network. | Bank-to-bank SWIFT transmission only. The receiving bank's compliance or trade finance desk receives and verifies the message through SWIFT messaging controls. Not delivered by email. | Required before the seller issues a Proof of Product (POP) in commodity transactions. Used when the counterparty demands bank-to-bank confirmation rather than a letter. Charter party and vessel allocation pre-qualification. |
| MT199 Draft | SWIFT MT199 Free Format Bank-to-Bank Message | Comfort or confirmatory information transmitted between two financial institutions about a client's account status, financial capacity, or banking relationship, for a stated commercial purpose. Does not pre-advise a specific instrument. | Bank-to-bank SWIFT transmission. Received and noted by the counterparty's bank. Used where the receiving institution's compliance framework requires SWIFT-based confirmation rather than a letter. | Credit committee pre-screening, project finance pre-qualification, and inter-bank comfort requests. Used when the recipient bank has specified SWIFT as the required delivery channel but is not requiring a specific pre-advice of an instrument. |
Important: Proof of funds documents (whether a BCL, MT799, or MT199) are confirmation tools for commercial counterparties. They are not credit facilities, not guarantees, not payment undertakings, and not financial instruments that can be monetised, traded, pledged, or sold. If a recipient demands guarantee-style language, assurances of payment, or undertakings that go beyond confirmation of available capacity, the request must be reframed or it will not proceed. Financely screens all wording before issuance to ensure it meets bank acceptance standards without creating unintended obligations on the issuer.
Sellers of bulk commodities (petroleum products, agricultural products, metals, and minerals) require buyers to demonstrate financial capacity before issuing a pro-forma invoice, FCO, or allocating cargo. A BCL or MT799 is the standard pre-qualification instrument in these markets.
Sellers, agents, and landlords in commercial real estate transactions frequently require proof of funds before entertaining offers, granting exclusivity, or entering into a heads of terms agreement. A BCL on bank letterhead is the standard format for this purpose.
Government and private sector tender authorities require financial capacity evidence as part of the pre-qualification or bid submission package. The required format varies by jurisdiction and tender specification, from simple bank letters to SWIFT-transmitted messages.
DFIs, commercial banks, and credit committees may require a sponsor to evidence equity availability before advancing to term sheet stage. A BCL or MT199 demonstrating that the equity contribution is available at an approved regulated bank is a standard pre-screening requirement.
Large corporates, trading houses, and financial institutions may require new suppliers or buyers to provide proof of financial standing as part of their counterparty onboarding process before entering into framework agreements or extending credit terms.
Ship owners, brokers, and terminal operators in bulk cargo shipping require proof of financial capacity from charterers or cargo owners before confirming vessel allocations or entering into charter party agreements. MT799 is typically required for this use case.
The proof of funds is not issued by Financely. It is issued by a third-party issuer: a professional entity that maintains funded accounts at top-tier regulated banks and has agreed to provide proof of funds documentation for clients routed through Financely, for a flat fee per transaction. These issuers operate across multiple banking jurisdictions (the United States, European Union, United Kingdom, UAE, and Singapore), and the appropriate issuer is selected based on two factors: where funds or eligible assets are held, and the specific bank jurisdiction or wording requirements of the recipient.
All proof of funds is routed exclusively through regulated banking institutions. Financely does not arrange proof of funds through non-bank financial companies, offshore entities, or unregulated structures. The issuing bank is a real, verifiable, regulated institution, and the named officer on the document is reachable through standard bank-to-bank contact channels for verification purposes.
The third-party issuer instructs their bank to issue the proof of funds document for the stated commercial purpose in favour of the named recipient. The issuer's bank confirms the availability of funds held in the issuer's account and that those funds are available for the stated purpose as of the stated date. The document is not a guarantee, not a loan, and does not create a payment obligation. It is a confirmation of capacity.
Before any fees are paid and before issuance proceeds, Financely prepares a draft of the proof of funds document and circulates it to the client for review. The client confirms the wording meets the recipient's requirements. Only after the draft is approved and fees are received does issuance proceed. This draft approval step eliminates the risk of issuing a document that the recipient will reject on wording grounds.
Submit your RFQ with the required amount, currency, format (BCL, MT799, or MT199), recipient details, and the commercial purpose. Financely will assess the request, confirm format fit, and return a formal quote within one business day. A non-refundable RFQ review fee of USD 500 is required to initiate the assessment. If your request qualifies, a formal quote with pricing and timeline is issued by end of day.
A proof of funds letter is a bank-issued document confirming that a stated amount of funds is available in a regulated banking institution for a specified commercial purpose, as of a stated date. It is required when a counterparty, seller, tender authority, or credit committee wants confirmation of a buyer's or sponsor's financial capacity before committing time, inventory, exclusivity, or a formal term sheet. Common use cases include commodity trade pre-qualification, commercial real estate acquisition, tender submissions, project finance pre-screening, and counterparty onboarding. A proof of funds letter is not a guarantee, not a lending commitment, and not a financial instrument. It cannot be traded, pledged, monetised, or sold.
A Bank Comfort Letter (BCL) is a letter on bank letterhead confirming available funds or banking capacity for a stated commercial purpose. It is addressed to a named recipient and is typically emailed or transmitted bank-to-bank. An MT799 is a SWIFT free-format message used as a pre-advice ahead of a payment instrument such as an LC or SBLC. It signals the issuing bank's capacity and intent and is transmitted exclusively bank-to-bank through the SWIFT network. An MT199 is a free-format SWIFT message used for bank-to-bank communication, most commonly to convey comfort or confirmatory information rather than to pre-advise a specific instrument. All three are confirmation tools. None of them is a commitment to pay, a guarantee, or a financial instrument.
The proof of funds is issued by a third-party issuer: a professional entity that maintains funded accounts at top-tier regulated banks and has agreed to provide proof of funds documentation for Financely-routed transactions, for a flat fee. The issuing bank is a real regulated institution in the US, EU, UK, UAE, or Singapore, depending on the recipient's jurisdiction requirements and where the issuer holds funds. Financely does not issue proof of funds directly and does not route requests through non-bank financial companies or unregulated entities. The named officer on the issued document is contactable through standard bank channels for verification.
The proof of funds is valid for 90 days from the date of issuance. If the underlying transaction has not completed before expiry, an extension can be arranged for an additional flat fee, provided the extension is requested before the 90-day validity window closes. The extended document carries a new validity date and is reissued on the same terms unless the amount, currency, recipient, or commercial purpose has changed, in which case a new assessment is required.
Pricing is structured as a flat fee per transaction, quoted on RFQ. Final pricing depends on the amount, format (BCL, MT799, or MT199), required bank jurisdiction, recipient requirements, and turnaround time. There is no percentage-of-amount component and no success fee. Before any assessment begins, a non-refundable RFQ review fee of USD 500 is required. This covers document screening, compliance review, and provider routing. If the request qualifies, a formal quote is issued by end of day. If the request does not qualify, the USD 500 review fee is not refunded. Once the draft is approved and the full issuance fee is paid, issuance proceeds. Fees are payable through approved fiat channels only.
To process a proof of funds request, Financely requires: the full legal name and registered address of the applicant company; the full legal name and contact details of the recipient; the required amount and currency; the format required (BCL, MT799, or MT199); a description of the commercial purpose and the transaction it relates to; copies of any contract excerpts, tender instructions, FCO, ICPO, or counterparty communications confirming the format and wording requirements; and KYC documentation for the applicant entity including certificate of incorporation, directors' identification, and source of funds declaration. The cleaner and more complete the submission, the faster the assessment and issuance process.
No. This service is strictly for corporate commercial transactions. Financely does not process proof of funds requests for visa applications, immigration purposes, personal financial requirements, or any use case that is not tied to a verifiable corporate commercial transaction. All requests are screened for commercial credibility and compliance before proceeding. Requests that do not meet the corporate commercial transaction requirement are declined at the RFQ stage and the USD 500 review fee is not refunded.
Submit your RFQ with the transaction details, required format, and recipient information. We assess within one business day and return a formal quote with pricing, timeline, and next steps.
Disclaimer: Financely Group coordinates proof of funds requests through third-party issuers who hold accounts at regulated banking institutions. Financely does not itself issue bank letters, SWIFT messages, or any banking documentation. All proof of funds instruments are issued by the third-party issuer's regulated bank. Proof of funds instruments are confirmation tools only. They are not guarantees, not payment undertakings, not lending commitments, and not financial instruments that can be traded, pledged, monetised, or sold. Financely makes no assurance regarding recipient acceptance of any issued document. Services are strictly business-to-business. All requests are subject to KYC, AML, and sanctions screening. The USD 500 RFQ review fee is non-refundable in all circumstances.
Security notice: Financely is aware of third parties using the Financely name without authorisation. Only communications through official Financely domains and the secure client portal are valid. Verify all outreach before sharing documents or making payments.
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.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
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.
Click
here to download our brochure. Email
supportdesk@financely-group.com for general enquiries.
