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.
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Financely · SBLC Arrangement · Margin Financing · Corporate Clients
When your counterparty requires a standby letter of credit, the issuing bank demands security for its contingent exposure. Without Financely, your bank demands 100% cash from your operating account, locked at their branch for the full SBLC tenor. With Financely, we source and structure the margin capital from our network of collateral providers. The provider posts the margin at the issuing bank. The bank issues the SBLC via MT760. Your counterparty is satisfied. Your working capital stays fully deployed. You pay an annual arrangement fee, not 100% capital lockup.
Most commercial banks will issue a standby letter of credit for their clients. The condition, almost without exception, is 100% cash collateral deposited at the bank before issuance. For a company with an operating business, this is an unacceptable trade-off. You need your working capital to run procurement, fund inventory, service debt, and grow. You cannot afford to block the equivalent of your full SBLC face value in an escrow account for one to three years.
The margin the issuing bank requires does not disappear. It must be posted. The question is who posts it, and where the capital comes from. Your bank's answer is: you, from your operating account. Financely's answer is different. We source the margin capital from specialist collateral providers: private credit funds, trade finance funds, and principals who post margin at the issuing bank on your behalf in exchange for a documented annual return. The SBLC is issued. Your counterparty is satisfied. Your cash stays in your business.
The cost of posting cash margin is rarely described accurately on a bank term sheet. A business that earns an 8% return on its working capital and posts USD 10M in margin for 24 months forgoes USD 1.6M in returns. A company drawing revolving credit at 6% to fund operations in place of the blocked cash pays USD 1.2M in interest. Neither figure appears on the SBLC itself. Both are entirely avoidable with Financely's arrangement.
Sellers require payment security before issuing Proof of Product or allocating cargo. A financial SBLC arranged by Financely satisfies the seller without locking the buyer's trade lines for the full cargo tenor. Margin raised from the provider network, not from the buyer's operating account.
Exchanges accept investment-grade bank instruments in lieu of cash initial margin. Financely arranges a financial SBLC acceptable to the clearing house and raises the required margin capital. Operating cash stays deployed throughout the hedging or trading position tenor.
Project owners require a performance SBLC as a condition of contract award. Contractors without an existing bank SBLC facility, or unwilling to post 100% cash, engage Financely to arrange the SBLC and source the required margin capital from the provider network.
Landlords require 6 to 18 months of rent as a security deposit. Financely arranges a financial SBLC satisfying the landlord's requirement and raises the margin capital, preserving tenant liquidity for the duration of the lease term.
Senior lenders require a Debt Service Reserve Account funded with cash or an acceptable bank instrument. Financely arranges an SBLC acceptable to the lender as the DSRA instrument, with margin raised to avoid dilution or additional equity injection by the sponsor.
Tender processes require a bid bond or tender guarantee. Financely arranges a performance SBLC satisfying the requirement and sources the margin capital, leaving the applicant's cash available for operations during the full evaluation period.
A European trading house needed EUR 22M in financial SBLCs across three sugar shipments. Their bank demanded 100% cash collateral. Financely raised the margin via pledged investment-grade bonds, reducing cash margin to 25% of face value. All three SBLCs issued via MT760 within 18 days.
EUR 22M satisfied · 25% margin vs 100% bank demand
A logistics technology company needed EUR 1.8M in lease security. Their bank demanded full cash collateral. Financely raised the margin against confirmed receivables from two investment-grade clients. Lease executed in 11 days. Annual SBLC cost was 42% cheaper than the equivalent revolving credit drawdown.
EUR 1.8M deposit satisfied · 11 days mandate to execution
An EPC contractor needed a USD 8M performance SBLC with no facility and no cash to post. Financely engaged a specialist collateral provider who posted the full margin at a UK-regulated bank. Performance SBLC issued via MT760 in 22 days. Contractor funded the provider fee from the project mobilisation advance: zero net cash impact in year one.
USD 8M performance SBLC · Zero net cash impact year one
A Zambian copper producer needed USD 15M in LME initial margin. Their bank required 100% cash collateral to issue an SBLC, which was circular. Financely raised the margin via a pledged receivables structure against existing offtake contracts with a smelter. USD 15M remained in the operating account for the full 18-month hedge tenor.
USD 15M margin met · USD 15M working capital preserved
An IPP developer needed a USD 2.4M DSRA. Their bank required 100% cash; a co-investor would have diluted the sponsor. Financely raised the margin against parent company receivables and arranged an SBLC acceptable to IFC. Financial close on time, sponsor equity undiluted. Annual SBLC cost was USD 48,000 versus an estimated dilution cost of USD 420,000.
USD 2.4M DSRA satisfied · 89% saving vs dilution cost
Provide the underlying contract, beneficiary details, SBLC amount and tenor, rule set, and your collateral position. State clearly if you have no eligible collateral. Financely responds within one to three business days.
Transaction underwritten: issuer route selected, margin structure designed, draw risk assessed. Term sheet issued with named issuing bank, pricing, margin source, and documentation checklist. No fees before the term sheet is accepted.
Collateral structure is executed. If third-party margin capital is required, Financely engages the provider. Control accounts, pledge agreements, and security documents are completed. This is the step your own bank cannot perform on your behalf.
Full corporate KYC, AML, and sanctions screening on all parties. SBLC wording finalised against the beneficiary's requirement schedule. Complete file submitted to the issuing bank's credit committee for approval.
Issuing bank transmits the operative SBLC via SWIFT MT760 to the beneficiary's bank. If the beneficiary requires a confirmed SBLC, a second bank adds its independent undertaking at this stage.
Financely tracks expiry, renewals, step-downs, and amendments for the full mandate tenor. Draw support is available if the beneficiary presents a demand. The service does not end at MT760 issuance.
Submit the underlying contract, beneficiary requirements, SBLC amount, and your collateral position. Financely confirms the margin structure and issuer route and returns a term sheet within one to three business days. No fees before the term sheet is reviewed.
Your bank will issue an SBLC only if you post the full margin in cash at their branch first. They will not source the margin from elsewhere on your behalf. Financely's specific role is to raise that margin capital from its network of collateral providers. The provider posts the margin at the issuing bank. The bank issues the SBLC. You pay the annual arrangement fee. Your cash stays in your operating account. No other standard bank product does this.
Collateral providers are entities seeking risk-adjusted returns from short-tenor, documented, asset-backed positions. The category includes private credit funds and family offices targeting 8–15% p.a. returns from non-correlated assets; dedicated trade finance funds managing AUM across commodity, supply chain, and structured trade mandates; high-net-worth principals with large liquid balances seeking documented USD returns above money market rates; and, in specific jurisdictions and sectors, development finance institutions providing concessional collateral support. They post cash at a regulated issuing bank, earn an annual return, and hold a security package and indemnity from the applicant. The position is bank-secured and self-liquidating at end of tenor.
Financely structures hybrid arrangements where part of the margin is funded from the applicant's own assets and the remainder is sourced from a third-party provider. If the issuing bank requires USD 10M in margin and the applicant can post USD 4M in pledged securities, Financely sources a provider for the remaining USD 6M. This reduces the total cost compared to a fully third-party arrangement and is often possible where the applicant holds receivables, inventory, investment-grade securities, or other pledgeable assets but lacks sufficient liquid cash.
Most sophisticated counterparties accept an SBLC from any regulated, investment-grade bank with SWIFT connectivity to their own institution. Financely routes mandates to regulated banks across the US, UK, EU, UAE, and Singapore, selecting the issuer based on the beneficiary's jurisdiction requirements, minimum credit rating, and SWIFT connectivity needs. Where the beneficiary requires a higher-rated or locally-recognised bank, Financely arranges a confirmed SBLC: a second bank independently confirms the payment obligation, giving the beneficiary recourse to a bank they already know.
Three components. First, the issuing bank's annual facility fee: typically 1 to 2% of the SBLC face value per annum. Second, Financely's arranger fee: a one-time fee disclosed in the term sheet, sized to mandate complexity and deal size. Third, if third-party margin capital is used, the collateral provider's annual return: typically 3 to 8% of the margin amount per annum, paid to the provider under a separate agreement. KYC, SWIFT, and courier charges are passed through at cost. All fees are stated in the term sheet before they are paid. No fees are charged before the term sheet is accepted.
Provide the contract, beneficiary details, SBLC amount, and your collateral position. Financely confirms the margin structure and issuer route and returns a term sheet within one to three business days.
Disclaimer: Financely Group acts as arranger on a best-efforts basis. Financely is not a bank, lender, or issuing institution. All mandates are subject to KYC, AML, sanctions screening, and issuer credit approval. Financely follows the Wolfsberg-ICC-BAFT Trade Finance Principles. Financely does not arrange leased or rented SBLCs. All services are strictly business-to-business. Nothing on this page constitutes a regulated financial promotion.
Security notice: Financely is aware of third parties using its name without authorisation. Only communications through official Financely domains are valid.
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.
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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
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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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