SBLC issuance arranged via top-20 bank accounts. Underwriting, structure, wording, and issuance coordination. Engagement fee USD 25k–300k.
An SBLC is only valuable if it is issued correctly, by a credible bank, with wording a beneficiary can accept, and delivered through proper bank channels. Sloppy structure and amateur drafts get rejected, delay shipments, and blow up closings.
Payment or performance security for commercial contracts where counterparties require a bank-issued instrument with strict documentary rules.
Security for EPC, O&M, supply, and long-term obligations where draw conditions and governing rules must be precise.
Instruments used to secure leases, completion undertakings, tenant obligations, and other contractual commitments.
Institutional settings where issuer quality, format, and bank-to-bank delivery determine whether the instrument is accepted.
The upfront engagement fee is not “a fee to send a message to a bank.” It covers the work required to make an SBLC request financeable and issuable. Depending on the transaction, the engagement fee ranges from USD 25,000 to USD 300,000.
| Workstream | Included Coverage |
|---|---|
| Eligibility and Underwriting | Initial feasibility assessment, risk framing, and document checklist. Review of parties, use case, and acceptability constraints. |
| Instrument Structuring | SBLC type selection, governing rules (typically ISP98 or UCP600), tenor logic, and draw conditions aligned to the beneficiary. |
| Wording Discipline | Drafting and iteration to reach a bankable instrument form. Alignment of definitions, expiry, presentation requirements, and documentary conditions. |
| Compliance Pack Coordination | KYC/AML and sanctions screening package assembly and routing, plus remediation of missing items where feasible. |
| Issuance Coordination | Coordination of the issuance workflow under the issuing bank’s internal process, including delivery instructions and bank-to-bank messaging requirements. |
| Project Management | Timeline control, information-request handling, stakeholder coordination, and amendment workflow setup if required. |
Third-party costs are separate where applicable. These may include issuing bank charges, legal fees, external counsel, translations, authentication, collateral management, inspections, insurance, and third-party reports.
| Stage | What Happens | Outcome |
|---|---|---|
| 1) Intake | We review the transaction, beneficiary requirements, and instrument constraints, then issue the underwriting checklist. | Feasibility view and information request list. |
| 2) Underwriting | We tighten structure, confirm rules and draft wording, and build the compliance and documentation pack. | Issuance-ready structure and draft. |
| 3) Issuance | We coordinate issuance through the issuing bank, subject to its approvals and definitive documentation. | Issued SBLC delivered via proper bank channels. |
| 4) Post-Issuance | Support for amendments, extensions, and operational issues, subject to issuer and counterparty consent. | Controlled lifecycle management. |
SBLC work is underwriting-led and labor-intensive from day one. Once we start underwriting, drafting, and compliance routing, the work product exists even if a bank declines or a counterparty changes terms.
Any exceptions must be agreed in writing and are not implied by marketing materials. Bank decisions, capacity, and compliance outcomes are outside our control.
No. Financely is not a bank and does not issue bank instruments. We arrange issuance through third-party banks under their own approvals and definitive documentation.
It means the issuance workflow is coordinated through established banking relationships and account infrastructure at globally recognized banks. The exact issuer depends on transaction specifics, jurisdiction, beneficiary acceptability, capacity, and compliance outcomes.
No. Issuance is subject to bank credit approval, KYC/AML and sanctions screening, capacity, definitive documents, and beneficiary acceptability. We run a best-efforts process focused on making the file issuable and acceptable.
Timelines vary by amount, structure, jurisdictions, and the speed of document delivery. The common delays are missing KYC items, unclear underlying contracts, and beneficiaries changing wording demands. We move as fast as your documentation and the issuing bank process allow.
Amount, tenor, beneficiary and jurisdiction, underlying contract or term sheet, required wording constraints (if any), and the applicant’s corporate/KYC profile. If collateral or credit support is required by the issuing bank, we also need a summary of what is available.
Either may be used depending on the beneficiary requirement and the use case. We select the rule set that best matches the transaction and bank practice and then draft consistently.
Sometimes, but those features are not “default.” They depend on issuer policy, risk, and beneficiary requirements. If you ask for non-standard features, expect more scrutiny and potentially higher fees.
Not automatically. Jurisdiction, sanctions exposure, ownership, industry risk, and funds flow all matter. If the profile fails compliance screening, we will not proceed.
They are different instruments with different rule sets and market conventions. Beneficiaries often require one specifically. We structure based on what the beneficiary and issuing bank will accept, not on labels.
They can demand it. That does not mean a credible bank will issue it. We push for bankable language and will tell you when requested wording is likely to be rejected.
Issuance and delivery occur through the issuing bank’s standard procedures and bank-to-bank messaging where applicable. We coordinate the workflow and ensure instructions are correct.
If you have a live transaction and a defined beneficiary requirement, submit your request. We will revert with feasibility, the underwriting checklist, and the engagement fee quote.
Use the SBLC quote page to provide amount, tenor, beneficiary, jurisdiction, and underlying transaction details.
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, solicitation, or commitment by Financely or any third party to issue an SBLC or provide financing. Financely is not a bank and does not issue bank instruments. All SBLCs are issued solely by third-party banks under their own credit approvals, KYC/AML and sanctions screening, internal policies, capacity constraints, and definitive documentation. Any timelines are indicative only. Issuance is subject to eligibility, documentation quality, counterparty acceptability, instrument wording, and completion of all conditions precedent required by the issuing bank and any involved intermediaries. Financely acts on a best-efforts basis as an arranger and documentation coordinator and does not guarantee issuance, acceptance, confirmation, monetization, or funding outcomes. All parties must pass compliance screening. We do not support circumvention, misrepresentation, or attempts to bypass KYC/AML, sanctions rules, or bank processes.
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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