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.
Most “no advance payment SBLC” requests read the same: “We need a 10 to 100 million Standby Letter of Credit , we cannot post margin, we cannot pay fees now, and we want someone else to issue it and get paid later from proceeds.” That is not how regulated credit works. A bank books an SBLC as a contingent exposure. The bank allocates capital, applies limits, and prices risk. Someone must provide security and someone must pay the costs while that exposure exists.
If “free SBLCs” existed at scale, sponsors would stop raising equity, stop negotiating security packages, and stop paying bank commissions. They have not, because the instrument is credit support, not a grant. Credit always has economics attached to it: collateral, covenants, fees, interest, or dilution. Removing all of those inputs does not make the SBLC easier. It removes the transaction.
In mainstream corporate banking, an SBLC is issued for an existing client with either (a) a committed credit line, (b) cash collateral, or (c) acceptable security over assets and cash flows. The bank assesses the applicant, assigns an internal rating, and structures the facility. The SBLC wording is agreed with the beneficiary and counsel, and the bank issues via bank to bank channels. This is process driven. It is not “issued on request.”
Even if nobody uses the words “advance payment,” you still pay. The economics usually show up as:
The point is blunt. A bank does not issue a large SBLC, take performance or payment risk, allocate capital, and charge nothing. If you want a practical view of what banks actually request, the FAQs and the procedure page spell out the steps and checks.
The moment you say “we cannot post margin,” the request stops being “please issue an SBLC” and becomes “please fund my collateral so a bank can issue an SBLC.” That is capital provision. Whether you call it a margin facility, credit enhancement, or third party support, it is still someone else putting money or balance sheet at risk on day one.
A third party that posts margin ties up cash or securities, pays bank commissions, and accepts counterparty risk on the applicant. They will require controls (account control, pledged collateral, reporting), and they will charge for the risk and the work. If your project has not even secured basic documentation, you will first be asked to produce evidence, not promises. In many cases, the first credibility gate is something as simple as the ability to demonstrate liquidity via Proof of Funds and a clean KYC pack.
For a third party to back an SBLC with zero upfront economics, all of the following would need to hold at the same time:
Professional credit investors do not operate that way. If you see a structure that claims “no cost until success,” the reality is usually that the economics have been moved elsewhere, or the controls are unacceptable to serious banks.
If you want someone else to post margin, you are negotiating a capital stack, not purchasing a banking commodity. In practice, the viable routes are:
This is also where the instrument type matters. Some transactions are better served by a SLOC or a different trade-credit structure than forcing an SBLC label onto the deal.
The marketing story is predictable: “private platforms,” “top tier banks,” “cash backed instruments,” “large ticket,” and “pay only on success.” Bank reality is less exciting and more useful. Banks require (1) an eligible applicant, (2) acceptable country and counterparty profile, (3) a compliant use case, (4) verified source of funds, (5) clean wording, and (6) margin and security that matches the applicant’s risk and the beneficiary’s requirements.
When a sponsor insists on “no collateral, no fees, no dilution,” the file has no leverage with risk committees. There is nothing to price and nothing to secure. That is why serious execution starts with clarifying the risk owner, the margin plan, and the documentation route. If you want to see what “execution” looks like in practice, start with how our platform works and then review the SBLC procedure.
If the end goal is to support a trade flow or contract performance credibly, the solution is not “no advance payment.” The solution is structuring the transaction so a bank or credit fund can underwrite it. Common realistic routes include:
None of these are free. They are just real. They reflect how regulated banks and credit investors manage capital, limits, and enforceable security.
We are approached every week by sponsors and intermediaries asking for “SBLCs with no advance payment” or “credit enhancement” with no collateral. We decline those mandates. Our role is to structure and arrange files that can survive real underwriting, follow bank process, and close through regulated counterparties.
When we screen an SBLC related mandate, we focus on:
If your only condition is “no advance payment, no collateral, no dilution,” there is nothing to structure. If you are prepared to commit real economics and run a clean process, there is a basis for execution.
Submit your case and we will confirm whether an SBLC structure is viable, what margin is likely, and what route fits your transaction under regulated execution.
Submit Your Transaction For ReviewDisclaimer: This page is for general information only and does not constitute advice, an offer, or a solicitation to buy or sell any financial product. References to SBLCs, guarantees, lenders, and market practice are high level and may not reflect the details of your situation. Financely acts as advisor and arranger through regulated partners and is not a bank or lender. Any facility, guarantee, or investment is subject to underwriting, KYC, AML, sanctions screening, legal review, perfected security, and approvals by relevant stakeholders. Professional and wholesale 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.
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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.
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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.
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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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