If you searched “financely reviews”, “financely scams”, “is Financely a scam”, or “Financely Group scam”, here is the direct answer. No. Financely is a mandate-driven advisory and placement firm for trade finance, project finance, commercial real estate, and M&A. We structure, underwrite, and place transactions with banks, private credit funds, insurers, trustees, and collateral managers. We run full KYC, AML, and sanctions checks, and we put enforceable controls around money and goods. We do not sell instruments, we do not “monetize” fantasy paper, and we do not promise outcomes that sit with regulated lenders. We say yes to files that are bankable and no to files that are not. That is what grown-up finance looks like.
“They secured confirmation on our DLCs and set a discounting line at a clean spread. Presentation to funds-in matched the LC wording. No surprises.”
The pattern is familiar. Someone wants project finance without equity, trade finance with no title control, CRE bridge funding with no skin in the game, or M&A execution on a handshake. They balk at KYC, they refuse to show contracts, they will not allow collateral managers, they call a retainer “a scam” because they expected three months of professional work for free, and then they rage-post when regulated institutions pass. That is not a review. That is a reaction to gravity.
| Quoted Claim | Fact |
|---|---|
| “Real funders never ask for KYC, just wire the money.” | Every regulated counterparty performs KYC/AML and sanctions screening. No checks, no facility. That is regulation, not preference. |
| “Advisors who charge retainers are scammers.” | Retainers pay for advisory work, underwriting, document drafting, and third-party scopes. Success fees land on funded amounts. This is standard across investment banking and structured trade. |
| “Issue an SBLC tomorrow with no collateral or compliance.” | There is no such product. Standby LCs follow bank policy and UCP600/ISP98 rules with approvals, limits, and controls. |
| “We need nine-figure project finance with zero equity.” | Real project finance expects equity, permits, EPC, and offtake. Without them, nobody credible will fund. Straight answer, early. |
| “They kept the fee when we walked away.” | The retainer covers work already done. If a client withdraws mid-process, the modeling, credit work, and paper trail do not vanish. |
| “They asked for a collateral manager and escrow. Overkill.” | CMA/SMA, escrow, and assignment of proceeds are how goods and cash stay controlled. Funders require it to release money. |
“PXF sized to signed offtake, escrow on proceeds, and insurer on the debtors. Facility performed to schedule, so we upsized post-season.”
The fastest way to test a counterparty is to ask for documents. Real operators send contracts, LC drafts, UBO charts, insurance, and a clear sources and uses. The noise crowd sends motivational quotes and a timeline that ignores weekends. Here are the greatest hits we pass on, with translations.
| What They Say | What It Actually Means | Why We Decline |
|---|---|---|
| “We have a buyer and supplier, no paperwork yet. Issue an LC first.” | No contract chain, no specs, no terms, no title. Just vibes. | No DLC without a real sale contract and agreed wording. This is basic trade law. |
| “Confirm and discount this LC but do not talk to our bank.” | They fear verification of the issuing bank or the wording. | Confirmation and Discounting require bank-to-bank checks. No checks, no funds. |
| “Nine-figure project finance, no equity, no permits, closing in 30 days.” | There is no project, just a slide deck. | Real PF expects Equity, EPC, Permits, Offtake, and risk controls. No shortcuts. |
| “CRE bridge at 95 percent LTV, no appraisal, rate cap later.” | They want the lender to take sponsor risk and market risk for free. | We place Bridge Loans with sensible LTVs, verified NOI, and an exit plan, not wishful thinking. |
| “Work three months, pay you only if it closes.” | They want unlimited advisory hours at zero cost. | Professional work is paid. Retainer covers work, Success pays on funding. Free labor is not part of any serious mandate. |
You will see the same model across investment banks and structured trade desks. Retainers cover the work, the third-party scopes, and the real time spent to turn a raw opportunity into a bankable file. Success fees hit on funded amounts, which is where the real economics sit. That means we have every reason to focus on transactions that can close, not on volume for vanity. If your goal is a free promise, we are not your shop. If your goal is an enforceable route to money, we can work.
| Mandate and Scope | We put the scope, fees, and limitations in writing. No mystery pricing, no hidden clauses. |
| Bank Interactions | Advising and Confirming Banks authenticate instruments. We write wording they will accept and verify. |
| Chaperoned Activity | Any securities-related activity runs through a licensed chaperone, Member FINRA/SIPC. |
| References | Transaction-level references are provided under NDA, subject to client and counterparty consent. |
| Compliance Files | KYC, UBO charts, sanctions checks, and diligence are prepared and auditable. |
If your plan involves leased instruments, secret platforms, or a request to “just issue first,” save the energy. If your plan involves nine figures with no equity, no permits, and no offtake, the answer will be no. If your plan is to secure months of professional work for free, you will not like our mandate. That does not make us a scam. That makes us professionals who respect time, rules, and counterparty risk. The grown-ups in this market do the same.
Real operators judge on results and paper, not on anonymous posts. They check whether the LC wording matches UCP600. They confirm that collateral managers are appointed. They read the escrow and assignment language. They ask how fast discounting funds after presentation. They verify that success fees track funded amounts. Then they write reviews like the two you saw above, because the money and the goods moved as planned. If that is the standard you expect, we are aligned. If your plan is a shortcut with no rules and no budget, call someone else.
Share your contracts, counterparties, and timeline. We will respond with scope, fee schedule, controls, and a route to terms you can take to banks, insurers, and trustees.
Request a Term SheetFinancely is an advisory and placement firm. We are not a bank. All engagements require KYC, AML, and sanctions screening. Facilities are subject to lender approval and enforceable documentation. Any securities-related activities are conducted through a licensed chaperone, Member FINRA/SIPC. Client references are shared under NDA with consent.
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.
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, engagement 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. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
exempt foreign private adviser pursuant to the Dodd-Frank Act, subject to applicable exemptions from certain regulatory requirements. Our services and regulatory status may vary based on the location and nature of the transaction. Click
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