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.
If you are still deciding between instruments, compare options here: trade finance instruments overview. If you want a clean issuance path before monetization, start with: how to secure a standby letter of credit step by step. For a quick view of our workflow, see: how it works.
| Profile | Issuer / Confirmation | Tenor | Advance Rate (of Face) |
|---|---|---|---|
| Top-tier confirmed SBLC | Top-25 global bank with A/A2 or better confirmation | ≤ 12 months | 75% to 80% |
| Strong issuer, unconfirmed | Top-50 bank; BBB+/Baa1 or better | ≤ 12 months | 60% to 70% |
| Longer tenor / EM risk | Rated issuer; no confirmation | > 12 to 24 months | 50% to 65% |
| Performance / complex structures | Rated issuer; structure-dependent | Up to 24 months | 40% to 60% |
Banks treat standby letters of credit as off-balance-sheet exposures. Under Basel III, a Credit Conversion Factor (CCF) converts the standby into a credit-equivalent amount before risk weighting. CCF varies by exposure type and methodology. Funders price the capital impact, then layer in issuer or confirmation strength, effective tenor, and control mechanics.
Discounting (assignment + proceeds control): the SBLC is assigned to a funding counterparty and acknowledged by the issuing or confirming bank. Proceeds control is put in place and a single upfront amount is advanced against face value, net of discount and fees. This fits one-off liquidity tied to a specific instrument where assignment and acknowledgment are workable.
Collateralization (borrowing-base support): the SBLC is pledged to support a revolving or structured facility. Funding is drawn against eligible receivables, milestones, or collections rather than as a single upfront discount. This fits repeat draws and cash cycles where borrowing-base tests, account controls, and sweeps are preferred.
| Instrument | Standby Letter of Credit under ISP98, operative by MT760; genuine and irrevocable; assignment or strict proceeds control required. |
| Purpose | Monetization for cash via discounting or collateralization, supported by an eligible contract network. |
| Tenor | Up to 24 months; preference for 12 months or less. |
| Advance Rate | Per LTV grid; final rate set after underwriting and counterparty allocation. |
| Pricing | Discount yield quoted case-by-case based on issuer or confirmation, tenor, and structure. Bank, custody, and SWIFT charges are pass-through. |
| Retainer | USD 32,500 to 105,000(or EUR/GBP equivalent) non-refundable on engagement; covers underwriting, legal coordination, and distribution. Final retainer depends on issuer tier, confirmation status, tenor, and complexity. |
| Success Fee | 2.75% of gross funded amount (minimum 125,000 in funding currency), deducted at closing. |
| Minimum Size | USD 2,000,000(or EUR/GBP equivalent). Larger tickets welcomed. |
| Conditions Precedent | KYC/AML and sanctions clearance; no-double-pledge certificate; issuer and confirming-bank verifications; beneficiary assignment or proceeds control; signed funding documents. |
| Settlement Target | 5 to 10 banking days from clean MT760 and satisfaction of conditions precedent (timeline guidance, not a guarantee). |
Client submits SBLC draft text, issuer and confirmation details, tenor, contract pack, and KYC.
We revert with indicative terms. Client signs the engagement letter and pays the retainer.
We finalize wording, run diligence, set proceeds control, and size the advance rate with funding counterparties.
We place the SBLC with funding counterparties and issue a closing checklist with conditions precedent.
Client delivers operative MT760 to the designated bank coordinates and completes all conditions precedent.
Funds are advanced against the SBLC. Our success fee and agreed costs are deducted before disbursement.
We monitor amendments and release mechanics. On expiry or cancellation, the instrument is released per the documents.
No. Only genuine, issued SBLCs linked to a legitimate commercial purpose are eligible.
How does confirmation affect LTV?A well-rated confirmer can lift the advance rate by reducing expected loss and strengthening the credit profile for many funders.
Is discounting always better than collateralization?Not always. Discounting delivers upfront cash; collateralization fits revolving use with borrowing-base controls. The right choice depends on the contract network and settlement needs.
USD, EUR, and GBP as standard. Other currencies are case-by-case.
How fast can funding settle?Typical 5 to 10 banking days after clean MT760 and satisfied conditions precedent, subject to parties and documentation.
Are proceeds net or gross of fees?Proceeds are disbursed net. Our success fee and agreed pass-through costs are deducted at closing.
We act on a best-efforts basis through regulated partners. This is not a deposit, investment advice, or an offer where prohibited. All terms are subject to KYC/AML, sanctions screening, legal and technical diligence, counterparty appetite, and issuing-bank acceptance. Basel III and CCF references are general and can be applied differently by each institution. Final pricing, LTV, retainer level, and timelines can change with structure and market conditions. We may decline any mandate.
Send the SBLC draft, issuer details, tenor, contract summary, and KYC. We reply with indicative LTV, discount yield, retainer quote, and a closing checklist. If you are ready to submit, use: https://www.financely-group.com/contact-us.
ApplyEligibility depends on KYC/AML, sanctions checks, instrument verification, and approval by funding counterparties and issuing banks. Nothing here is a commitment to fund.
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.
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.
