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.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
If the applicant already has an approved facility with an issuing bank, issuance can be mostly a documentation and drafting exercise. If the bank is new, expect a full credit process, committee cycle, and collateral documentation.
Issuer standards vary by jurisdiction and bank type. A quick primer is Who Can Issue Standby Letter of Credit.
Cash margin can be fast. Pledged securities, receivables, inventory, or real assets introduce valuation, legal work, control mechanics, and sometimes third-party consents. If collateral is cross-border, the timeline is rarely “days.”
Many “delays” are wording disputes. The beneficiary may require ISP98 versus UCP 600, a specific governing law, a specific draw set, or tight amendment controls. If confirmation is required, add a second bank’s compliance and risk process.
Sanctions screening, ownership mapping, source of funds, and adverse media checks can extend timelines, especially with layered shareholders. This is non-negotiable for regulated issuers.
This table shows typical sequencing. “Days” assumes a commercial file that is already organized, not a first-pass email with missing documents.
| Stage | Output | Typical Duration | Common Blockers |
|---|---|---|---|
| 1) Intake and eligibility screen | Scope confirmation, feasibility notes, next-step checklist | 1–3 business days | Unclear underlying obligation, missing beneficiary details, no timeline discipline |
| 2) KYC, AML, sanctions screening | Cleared onboarding file (or decline with reason) | 3–10 business days | Complex ownership, foreign PEP exposure, missing corporate documents |
| 3) Credit and collateral underwriting | Credit memo, collateral terms, internal approvals | 5–20 business days | Weak financials, repayment source not credible, collateral not acceptable |
| 4) SBLC draft and beneficiary alignment | Final text agreed, draw documents defined | 2–10 business days | Beneficiary asks for non-standard terms, “impossible” draw conditions, wrong SBLC type |
| 5) Legal documentation | Facility docs, security docs, resolutions, sign-offs | 5–15 business days | Cross-border legal opinions, collateral registration timing, slow counterparties |
| 6) Issuance and SWIFT transmission | Issued SBLC and MT760 sent to advising bank | 1–3 business days | SWIFT details wrong, advising bank not ready, last-minute text change |
| 7) Advising and acceptance | Advised instrument, beneficiary acceptance (and confirmation if needed) | 1–7 business days | Advising bank queries, beneficiary rejects text, confirmation credit review |
An SBLC is not a generic “proof of funds.” It supports a specific obligation: payment, performance, advance payment security, lease, bid, warranty, or another defined risk. The underlying agreement must be consistent with the draw language.
If the beneficiary is still negotiating terms, lock the “SBLC schedule” early: amount, expiry, governing rules, and required draw documents.
Issuers want documents they can test. Corporate formation docs, ownership, financials, contract, and collateral evidence. A clean process description helps, but documents decide outcomes.
See the platform sequence in How Our Platform Works and the structured mandate standard in Deal Packaging and Lender Outreach to Get Term Sheets.
KYC is not a formality. If ownership is unclear, funds are opaque, or counterparties raise risk flags, the file stops. Plan for corporate registry extracts, shareholder registers, passports, proof of address, and ownership charts.
For common questions, use Standby Letters of Credit FAQ.
The issuer is taking contingent risk. They need to know: if the SBLC is drawn, how do they get repaid. That leads to margin requirements, pledged assets, controlled accounts, covenants, and restrictions on amendments.
If you are exploring “no collateral” claims, read Standby Letter of Credit With No Advance Payment Don’t Exist.
One extra document condition can make a draw impossible, which triggers beneficiary rejection. One missing defined term can make compliance testing messy, which triggers advising bank queries.
Use a realistic starting point: Standby Letter of Credit Wording Templates.
For MT760 delivery, the issuing bank needs correct SWIFT codes and beneficiary or advising bank details. Wrong BIC, wrong branch, wrong address fields, or mismatched beneficiary names cause re-work.
MT760 explains the message, not the deal. If you want the mechanics, use MT-760 SBLC Complete Guide.
Decide rules (often ISP98), place of presentation, governing law, expiry mechanics, and draw documents before you start. Late changes are the top cause of re-issuance.
A stop-start document flow kills timelines. Treat it like a financing close: one folder, consistent naming, reconciled numbers, and signed drafts where needed.
If collateral is not available, say it early. There are structures that can work, but only with real controls and underwriting. Wishful claims make the file weaker.
A performance obligation supported by a financial SBLC (or the reverse) triggers beneficiary rejection. If you are not sure, read the decision guide below.
Standby Letter of Credit vs Letter of Credit can also prevent instrument mismatch.
Submit the transaction details, beneficiary requirements, and your proposed wording. We will respond with feasibility and next steps through the portal.
How long does it take to issue an SBLC?
Typical timelines range from 2 to 6 weeks for a new relationship and new collateral documentation. If the applicant already has an approved line with the issuing bank and the wording is standard, it can be faster. Confirmation, cross-border collateral, or complex ownership extends timing.
Is MT760 the same thing as an SBLC?
MT760 is a SWIFT message used to transmit the standby or demand guarantee from bank to bank. The enforceable obligation is the SBLC text itself under its stated rules and governing law. The message is the delivery channel.
Can the beneficiary reject an SBLC after MT760 is sent?
Yes. The beneficiary can reject if the wording does not match the contract or their internal requirements. That is why aligning the draft before issuance saves time and cost.
Do SBLCs require cash collateral?
Not always, but the issuer will require an acceptable credit basis: cash margin, pledged assets, a funded facility, or another bankable support. “No collateral, no underwriting” is not standard practice for commercial issuance.
What rules usually govern an SBLC?
ISP98 is common for standbys. UCP 600 can be used, especially when the standby is closely tied to documentary trade flows. The right choice depends on the draw mechanics and the beneficiary’s acceptance criteria.
What happens after the SBLC is drawn?
The bank examines the draw documents for strict compliance and pays if compliant. The dispute, if any, sits in the underlying contract, not in the SBLC examination process. For the sequence, read What Happens When a Standby Letter of Credit Is Drawn.
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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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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