A standby letter of credit is one of the most widely used bank-backed risk tools in global commerce. It can unlock contracts, protect advance payments, strengthen procurement credibility, and reduce the need for large cash deposits. The logic is simple. The execution is not. Issuers underwrite SBLCs as real credit exposures, with tight scrutiny on contract purpose, compliance, and security.
Financely provides advisory and arrangement support for SBLC issuance through regulated partners. We are not a bank and we do not issue SBLCs from our own balance sheet. Our role is to shape a lender-ready request, align beneficiary wording with institutional standards, and manage a controlled process with credible issuing institutions where the underlying transaction is legitimate and underwriteable.
An SBLC supports performance or payment obligations under a defined contract. In most professional settings, the instrument amount and tenor are calibrated to the risk period, not to optimistic contract headline values.
Many SBLC requests fail early because the applicant treats the instrument as a formality. Issuers do not. They will test the underlying obligation, the applicant’s credit profile, the compliance footprint, and whether the beneficiary wording can be operationalized.
These issues are fixable early, but costly once drafts are circulating.
A structured file signals that the applicant can operate at institutional standards.
Financely focuses on institutional-grade mandates. In most cases, we are best positioned to support post-revenue companies and sponsors that can demonstrate credible cash flow, clean corporate governance, and a legitimate contract purpose. Larger issuers tend to prefer businesses with solid operating history and meaningful EBITDA, especially when the SBLC is not fully cash collateralized.
Where a transaction profile is early-stage or higher risk, we will only proceed if the structure, security basis, and compliance footprint can still meet realistic issuer requirements.
The right structure depends on the applicant’s strength and the beneficiary’s policy. Most professionally arranged SBLCs fall into one of these categories:
The market does not reward vague security narratives. The collateral or repayment logic must be clear enough to survive risk committee review.
The beneficiary’s draft wording is where many deals slow down. Issuers typically prefer language aligned with established rule frameworks and operationally simple call conditions. Beneficiaries often push for broad triggers that may be unacceptable to an issuing bank.
A well-managed process resolves this early. The goal is not to win a wording argument. The goal is to issue an instrument that is acceptable to the beneficiary and workable for a regulated institution.
A complete, clean file accelerates approvals and protects pricing and credibility. Most issuers will require:
Financely acts as advisor and arranger through regulated partners. We do not guarantee SBLC issuance and we do not offer direct instruments without prior underwriting. Our work is structured to reduce false starts and align the request with realistic institutional appetite.
A typical process includes eligibility review, contract and wording assessment, security and capital concept refinement, KYC and compliance packaging, issuer targeting, and coordination through term sheet negotiation and final instrument issuance. For clients with repeat contracting needs, we also support scalable SBLC programs rather than one-off, improvised requests.
An SBLC is powerful, but it is not universal. A documentary letter of credit may be more appropriate when payment should be linked directly to shipping documents. A demand guarantee format may be preferred in certain jurisdictions or procurement regimes. The right choice depends on the contract logic and the beneficiary’s policy.
Our job is to confirm the correct tool before the market is engaged, not after time and credibility have been spent.
If your contract requires an institutional standby letter of credit and you want a structured, underwriting-led issuance pathway through regulated partners, Financely can review your case, assess eligibility, and outline the most credible route to issuance.
Discuss an SBLC Issuance MandateDisclaimer: This page is for general information only and does not constitute legal, financial, or regulatory advice. Financely acts as advisor and arranger through regulated partners and is not a bank or direct lender. Financely does not guarantee SBLC issuance or offer instruments without prior underwriting. Any SBLC is subject to underwriting, KYC, AML, sanctions screening, acceptable beneficiary wording, legal review, security perfection where applicable, and approvals by relevant institutions. Professional and corporate audience only.
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 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, 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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