Stablecoin-denominated private credit with enforceable contracts, secured or unsecured options, and clear collateral, custody, and control mechanics.
Stablecoin loans are not a gimmick. They are private credit loans denominated and settled in USD-pegged stablecoins, with normal legal documentation, defined repayment schedules, and enforceable security packages where applicable.
Many borrowers want USD borrowing without slow international wires, fragmented banking access, or multi-day settlement. Stablecoin rails can settle quickly and operate outside banking cut-off times. For lenders, stablecoins can simplify funding, repayment, and monitoring, especially for cross-border borrowers with global revenue and assets.
Funding and repayments can settle faster than traditional cross-border rails. That reduces cash drag, supports time-sensitive transactions, and makes drawdowns more predictable.
These loans are still contracts. Proper structures use a governing law, venue, borrower representations, covenants, events of default, and clear remedies.
A growing slice of private lenders now support stablecoin settlement, either natively or through regulated payment and custody partners. The driver is borrower demand and operational efficiency.
Stablecoin loans are most useful when speed, cross-border settlement, and collateral discipline matter more than headline pricing.
Most stablecoin loans in private credit are secured. Unsecured is possible, but only for borrowers with strong financials, verified cash flows, and lender comfort on enforceability and collections.
| Structure | What lenders look for | Common control mechanics |
|---|---|---|
| Secured loans | Credible collateral, clean ownership, and a liquidation path that works under stress. Collateral type and haircut depend on liquidity, volatility, jurisdiction, and custody. | Custody arrangements, pledge and control agreements, margining terms, monitoring, and predefined cure periods and liquidation triggers. |
| Unsecured loans | Strong DSCR, audited financials, stable revenue, clear collections, and credible enforcement in the chosen venue. Expect tighter covenants and heavier diligence. | Covenants, reporting, negative pledges, cash management terms, and defined remedies for missed payments and covenant breaches. |
| Hybrid and credit-enhanced | Partial collateral, guarantees, reserve accounts, or receivables controls to reduce loss risk. Useful when a borrower is strong but wants better terms than fully unsecured. | DSRA or reserve logic, partial pledge, controlled accounts, assignment of proceeds, and step-in rights where relevant. |
Collateral is only as good as its controls. Lenders care about who holds it, how it is perfected, how it is valued, and how it can be liquidated without drama. If your collateral story depends on trust or screenshots, it is not financeable.
Often over-collateralized with strict margining and liquidation terms. Volatility risk is handled through haircuts, covenants, and active monitoring.
Possible in certain cases, but the lender still needs a clean perfection path. The docs and controls matter as much as the asset.
Stablecoin settlement does not replace legal enforceability. Serious lenders insist on enforceable contracts, strong borrower disclosures, and clear remedies. They also insist on compliance screening and source-of-funds validation. If a borrower will not pass KYC and AML, the transaction is dead.
| Topic | What “serious” looks like |
|---|---|
| Governing law and forum | Clear governing law, jurisdiction, dispute resolution mechanics, and service-of-process language that matches cross-border reality. |
| Representations and covenants | Ownership, authority, compliance, sanctions, source of funds, reporting, and restrictions on additional debt and liens. |
| Security and perfection | Pledge and control mechanics that are documented, monitored, and executable without relying on goodwill. |
| Cash flows and repayment | Defined repayment schedule, permitted payment rails, wallet controls where relevant, and consequences for late payments. |
| Compliance | KYC and AML review, sanctions screening, beneficial ownership transparency, and clear funds-flow narrative. |
We do not sell fantasies. We structure the file so a lender can underwrite it. That means clarity on borrower profile, use of proceeds, repayment source, collateral and controls, legal enforceability, and a compliance-ready pack.
| Stage | What happens | Outcome |
|---|---|---|
| 1) Intake | Loan amount, tenor, use of proceeds, borrower profile, jurisdiction, collateral summary, and preferred stablecoin rails. | Feasibility view and checklist. |
| 2) Structuring | Term shaping: covenants, collateral, controls, repayment, reserve logic where needed, and lender-fit routing. | Market-ready term framework. |
| 3) Compliance pack | KYC and AML documents, beneficial ownership, source-of-funds narrative, and funds-flow mapping. | Underwriting-ready file. |
| 4) Execution | Introductions and negotiation with lenders, then definitive loan docs and collateral controls through the lender and its partners. | Closed facility and funded draw. |
No. Financely is not a lender. We arrange and coordinate private credit transactions with third-party lenders under their own approvals and definitive documentation.
They can be, if structured properly. Enforceability comes from the loan agreement, security documents, governing law, and venue, plus clean borrower disclosures and compliance. Stablecoin settlement is a payment rail, not a legal substitute.
Secured is more common. Unsecured is possible for stronger borrowers with clean financials and a lender that is comfortable with collections and enforcement in the relevant jurisdictions.
It depends on the lender and the risk. The key is controls: custody, perfection, valuation, and liquidation terms. If collateral cannot be controlled and liquidated, it will be treated as low value.
Many lenders support stablecoins such as USDT, USDC, and TUSD, subject to their internal policies, compliance requirements, and settlement and custody arrangements.
Weak documentation, unclear use of proceeds, poor repayment logic, inability to pass KYC and AML, sanctions exposure, and collateral that cannot be controlled or perfected.
Submit the loan amount, tenor, jurisdiction, use of proceeds, borrower profile, and collateral summary. We will revert with feasibility, information requests, and a term path.
Request A QuoteDisclaimer: This page is for general information only. It does not constitute legal, tax, regulatory, investment, or credit advice and it is not an offer or commitment to lend. Financely is not a bank, broker-dealer, or lender. Any loan is provided solely by third-party lenders under their own underwriting, KYC and AML, sanctions screening, internal policies, and definitive documentation. Terms are indicative until documented. We act on a best-efforts basis as an arranger and documentation coordinator and do not guarantee approvals, pricing, timing, or funding outcomes.
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.
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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.
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