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.
AI Lender Match helps business owners, investors, and sponsors identify lenders that fit their deal profile without wasting weeks on cold outreach. Get a smarter starting point for acquisitions, commercial real estate, trade finance, and structured debt transactions.
Effective Date:
September 14, 2026
Version:
1.0
This Structured Debt Advisory Payment Policy (the "Payment Policy") governs all payment, retainer, budget, scope change, suspension, cancellation, refund, default and collection matters relating to Financely's structured debt advisory, arranging, transaction structuring, lender mapping, capital advisory, trade finance, project finance, acquisition finance, commercial real estate finance and related professional services.
This Payment Policy supplements and forms part of the Financely Terms of Service, the applicable Engagement Agreement, quotation, proposal, statement of work, invoice and the Financely Earnings Disclaimer.
By engaging Financely, paying any fee, instructing Financely to commence or continue work, requesting additional work, accepting a Deliverable, allowing Financely to reserve resources for a mandate, or continuing an engagement after receiving this Payment Policy, you agree to this Payment Policy to the extent permitted by applicable law.
Commercial Payment Rule: Financely sells professional advisory time, Reserved Capacity, transaction analysis, structuring, execution resources and access to an advisory process. Financely does not sell or guarantee a financing result. Retainers and other earned or committed fees are not refundable merely because a transaction does not close, a lender declines, terms change, the Client changes strategy, or the Client later decides not to proceed.
Scope Rule: Fees are based on the information, complexity and assumptions known when Financely quotes the engagement. If later information materially changes the work required, Financely may change the budget, require additional fees, narrow the mandate, suspend performance or terminate the engagement.
Payment Rule: Financely is never required to finance a Client's advisory fees, continue unpaid work, preserve Reserved Capacity while payment is outstanding, or subsidize a transaction because the Client did not budget adequately for professional services.
This Payment Policy is supplemental to the Financely Terms of Service and does not replace them. Definitions used in the Terms of Service apply equally to this Payment Policy unless expressly stated otherwise.
This Payment Policy applies to all Financely structured debt advisory practices and any related Services, including transaction assessment, structuring, lender or investor mapping, debt placement support, financial modelling, credit analysis, information memorandum preparation, deal packaging, market sounding, counterparty outreach, diligence coordination, negotiation support and process management.
For engagements commencing on or after the Effective Date, this Payment Policy forms part of the engagement upon acceptance. For an engagement already in force before the Effective Date, any provision that would materially change an already agreed fee applies only where incorporated by written agreement, continued instruction, accepted amendment or another legally effective method of acceptance.
By engaging Financely, the Client represents that it has sufficient present financial capacity to pay the professional fees and transaction expenses reasonably required for the contemplated engagement.
Financely is not responsible for a Client commencing a transaction without sufficient budget to complete the advisory, diligence, structuring, legal, technical, insurance, valuation, regulatory or other professional work subsequently required.
Advisory fees must be paid from resources presently available to the Client. Payment may not be made conditional upon:
Financely has no obligation to extend payment terms, defer fees, finance advisory work, accept payment from transaction proceeds, convert fees into success-only compensation, accept equity in lieu of cash, or continue working while awaiting the Client's liquidity event.
A Financely retainer is consideration for the reservation and allocation of professional capacity and for the commencement of the advisory relationship. It is not merely a deposit against a future financing result.
A retainer may compensate Financely for, among other things:
To the fullest extent permitted by law, a retainer becomes earned or committed as Reserved Capacity is allocated and Services are commenced or resources are committed in reliance on the mandate.
A Client may not retrospectively characterize a retainer as a refundable deposit merely because the Client later abandons, delays, restructures, refinances, replaces, sells, postpones or otherwise changes the contemplated transaction.
The Client acknowledges that Financely's availability itself has commercial value. Reserving transaction personnel, Experts, lender outreach capacity, diligence windows and execution time may prevent Financely from accepting or prioritizing other mandates.
Accordingly, a Client's later decision not to use Reserved Capacity does not make the original reservation valueless and does not create a refund right.
Unless an Engagement Agreement expressly provides otherwise, retainers, milestone fees, additional budget amounts, deposits and third party cost advances must be received in cleared funds before the corresponding work begins or continues.
Structured Debt Advisory invoices are payable on the date stated on the invoice or Engagement Agreement. Where the engagement expressly requires payment before commencement or continuation, Financely has no obligation to commence or continue until cleared funds are received.
Where no shorter payment period has been incorporated into the engagement, the payment period stated in the Financely Terms of Service applies.
Time for payment is of the essence. A payment obligation is satisfied only when cleared and irrevocably available funds are received by Financely through an approved payment method.
Bank charges, wire fees, card processing fees where lawfully passed through, intermediary banking charges, foreign exchange costs, withholding taxes where gross-up is legally permitted and other payment-related expenses are borne by the Client unless Financely agrees otherwise in writing.
Unless the Engagement Agreement expressly states that a fee is a fixed and capped fee regardless of circumstances, Financely's quotation is based on the information, assumptions, transaction structure, timetable, documentation and complexity reasonably known at the time of quotation.
A budget or fee adjustment may be required where, after engagement, Financely discovers or is informed of circumstances including:
A Client has no contractual right to require Financely to perform materially expanded or altered work for the original fee.
The fact that Financely has already performed substantial work, made introductions, mapped lenders, produced transaction materials or advanced the mandate does not require Financely to absorb the cost of additional work discovered later.
Where additional work or resources are reasonably required, Financely may issue a written budget adjustment, additional invoice, change order or revised scope notice describing the additional work, changed assumptions or revised commercial requirement.
Unless Financely specifies a shorter period because urgent action is required, the Client must respond within 5 business days by choosing one of the following:
Refusal, inability or failure to fund a reasonable budget adjustment does not constitute breach by Financely and does not create a refund entitlement.
Financely may instead, at its election:
A disagreement concerning additional scope does not invalidate or reduce fees for work, Reserved Capacity, Deliverables, third party commitments or milestones already earned, incurred or performed.
Structured debt transactions may require lawyers, accountants, modelers, valuers, technical consultants, insurance specialists, trustees, collateral managers, licensed placement agents, local counsel, compliance providers, engineers, consultants or other specialists.
Unless expressly included in Financely's quoted fee, such services are additional.
Financely may require the Client to pay or advance third party expenses before the relevant third party is instructed. Financely is not required to finance third party costs on the Client's behalf.
Once Financely has incurred, committed or guaranteed a third party expense with the Client's authority, that amount remains payable even if the transaction later changes, pauses or terminates.
Any payment not received in cleared funds by its contractual due date is overdue without further notice.
To the fullest extent permitted by applicable law, Financely may claim the statutory interest, fixed compensation and reasonable recovery costs available for qualifying commercial debts or may rely upon a contractual late-payment remedy agreed with the Client.
Financely will not obtain duplicative recovery for the same loss where applicable law prohibits double recovery.
Where incorporated into the applicable engagement, Financely may impose an additional contractual default administration charge of up to USD 250 per calendar day during which an undisputed payment remains overdue.
The amount charged may reflect continuing payment administration, management time, Reserved Capacity disruption, re-scheduling, counterparty management, Expert availability, remobilization, collection activity and other legitimate commercial consequences of payment default.
Unless a separately negotiated Engagement Agreement lawfully provides otherwise, the aggregate Daily Default Charge for an individual overdue invoice will not exceed the lesser of:
Financely may reduce or waive the Daily Default Charge in its discretion. The charge applies only to the extent lawful and proportionate to Financely's legitimate commercial interests. If any amount would otherwise be unenforceable, it shall automatically be reduced to the maximum amount enforceable under applicable law.
Financely's decision not to impose a Daily Default Charge, statutory interest or collection remedy on one occasion does not waive its right to impose or enforce a permitted remedy on another invoice or later default.
Any of the following may be treated as a material payment default:
Financely may suspend all work immediately when any amount is overdue.
Suspension may include:
Any execution timetable, distribution schedule, lender response target, Deliverable deadline or anticipated closing date affected by the Client's payment default is automatically suspended.
Financely has no liability for lost momentum, changing market conditions, lender withdrawal, changed pricing, lost Expert availability, missed windows or other consequences arising during or following a payment-related suspension.
Financely may condition resumption on:
Payment of an overdue invoice does not obligate Financely to restore the Client to its former scheduling priority.
The absence of financing, a rejected application, an unsatisfactory lender response, failure to obtain a term sheet, changes in pricing, lender withdrawal, a transaction not closing, market deterioration or any other Outcome Dependent Item does not create a refund right.
No refund is due for Services already performed, Deliverables already prepared, analysis already completed, outreach already conducted, meetings already undertaken, counterparty work already performed, third party costs already incurred or Reserved Capacity already committed.
A retainer paid to reserve Financely capacity or availability is not refundable merely because the Client later decides not to use all of the capacity reserved.
No refund is due where an engagement ends because the Client:
Financely may issue a commercial credit or voluntary refund in exceptional circumstances. Any voluntary concession is without admission, does not create precedent and does not waive any contractual right.
A chargeback or reversal initiated without a bona fide documented basis, particularly after the Client has received, used or benefited from the relevant Services, constitutes a material breach.
The Client remains liable for the underlying amount together with all lawful interest, processor charges, reversal fees, collection expenses and reasonable professional and legal costs caused by the payment dispute.
In addition to all termination rights contained in the Terms of Service, Financely may suspend or terminate a Structured Debt Advisory engagement where:
Termination does not extinguish amounts already earned, committed or payable.
Upon termination, Financely may immediately invoice and recover:
Upon suspension or termination, Financely may immediately release personnel, Experts, distribution slots, lender outreach capacity, internal resources and other Reserved Capacity to other mandates.
Financely has no obligation to hold those resources available in case the Client later obtains funds or decides to restart the transaction.
Unless Financely expressly agrees otherwise in a signed written exclusivity provision, engaging Financely does not prevent Financely from advising other sponsors, borrowers, acquirers, developers, issuers, owners or commercial parties in the same industry, jurisdiction, asset class or financing market.
Financely may advise, structure, arrange or support transactions that are similar to, compete with or economically overlap with a Client's transaction, provided Financely continues to comply with its applicable confidentiality obligations.
If a Client defaults, abandons a mandate, loses the ability to proceed, refuses to finance the required advisory work, materially delays the transaction or terminates the engagement, Financely may pursue or support another sponsor for a similar transaction or opportunity.
This may include reallocating Financely's own:
Nothing in this Section authorizes Financely to transfer an asset, concession, contract, licence, development right, acquisition right or other property belonging to the Client where Financely has no legal right to do so.
Financely will not disclose Client Confidential Information merely to enable a competing sponsor to appropriate a right legally belonging exclusively to the Client.
Where an asset owner, seller, concession holder, project owner, supplier, lender, investor or other independent party is lawfully entitled to work with another sponsor, Financely is not required to preserve that opportunity exclusively for a Client that has defaulted, abandoned the process or ceased paying Financely.
If Financely independently has the right or authority to source an alternative sponsor, Financely may do so.
To the fullest extent permitted by applicable law and consistent with the Terms of Service, Financely may assign, transfer, subcontract or delegate rights or performance obligations arising from an engagement to:
Where legally effective, the Client gives advance consent to Financely transferring or novating an engagement to a Financely affiliate, successor or appropriately qualified third party advisory firm.
Where applicable law requires additional Client consent for a particular novation, the Client agrees not to unreasonably withhold or delay such consent where the proposed transferee is reasonably capable of performing the affected Services.
Financely may sell, assign, factor, pledge, transfer or otherwise dispose of any receivable, unpaid invoice, collection right or other payment entitlement owed to Financely without Client consent, subject to applicable law.
The Client must then pay the assignee or collection party where Financely gives valid notice of the assignment.
Financely may disclose engagement and payment information reasonably necessary to complete a lawful assignment, transfer, collection, financing, insurance or enforcement process, provided the recipient is subject to appropriate confidentiality obligations where required.
The Client may not assign, transfer or novate its rights or obligations under an engagement without Financely's prior written consent.
Financely may refer overdue accounts to collection agencies, solicitors, debt purchasers, enforcement professionals, insurers, factoring providers or other recovery specialists.
To the fullest extent permitted by law, the Client is responsible for reasonable costs Financely incurs in recovering overdue amounts, including:
Financely has no obligation to continue providing advisory Services while simultaneously pursuing payment from the Client.
Without limiting the indemnification provisions of the Financely Terms of Service, the Client shall indemnify, defend and hold harmless Financely, its affiliates, owners, personnel, contractors and Experts from losses, liabilities, claims, charges and reasonable professional costs to the extent arising from:
No indemnity applies to the extent a final binding determination establishes that the relevant loss was caused by Financely's fraud or willful misconduct, or where applicable law prohibits the indemnity.
Financely's liability remains subject to the exclusions, limitations and aggregate damages cap contained in the Financely Terms of Service.
Without limiting those provisions, Financely is not liable for lost financing, lost profits, missed transaction windows, lender withdrawal, changed market pricing, loss of opportunity, loss of expected economic benefit or replacement advisory costs resulting from a Client's late payment, failure to fund a scope change, suspension, abandonment or termination.
Nothing in this Payment Policy excludes or limits liability that applicable law does not permit the parties to exclude or limit.
To the fullest extent permitted by law, the Client may not deduct, set off, counterclaim against, withhold or reduce an undisputed amount due to Financely because the Client asserts a separate claim.
A Client may not use payment or threatened non-payment to compel Financely to:
A genuine dispute concerning one amount does not excuse timely payment of every undisputed amount.
This Payment Policy and all non-contractual obligations arising from it are governed by the laws of England and Wales, consistent with the Financely Terms of Service.
Any dispute concerning this Payment Policy is governed by the dispute-resolution provisions in the Financely Terms of Service, including the applicable written notice, executive escalation, mediation and LCIA arbitration requirements.
Subject to the Terms of Service, disputes that remain unresolved after the required escalation procedure shall be finally resolved by confidential LCIA arbitration seated in London, England, in the English language.
Commencement of a complaint, dispute, mediation or arbitration does not suspend payment of undisputed invoices or amounts otherwise contractually due.
Nothing in this Payment Policy limits Financely's rights under the Terms of Service to seek interim, conservatory, injunctive, asset-preservation, enforcement or other relief from a competent court or emergency arbitrator where permitted.
Provisions concerning unpaid amounts, refunds, chargebacks, collections, assignment, confidentiality, similar transactions, indemnification, limitation of liability, dispute resolution, recovery costs and accrued rights survive suspension, cancellation, expiry and termination.
If documents governing an engagement contain an actual inconsistency, the following order applies unless expressly agreed otherwise:
A deal-specific provision overrides a general provision only to the extent of the specific inconsistency.
Financely's delay in enforcing payment, granting an extension, accepting partial payment, continuing limited communications or temporarily refraining from termination does not waive its rights.
Any waiver must be express and in writing and applies only to the particular matter identified.
Acceptance of this Payment Policy may be evidenced by any legally effective method, including:
Instructions given by an individual whom the Client has represented or held out as authorized to manage the engagement may be relied upon by Financely until the Client gives written notice that such authority has been withdrawn.
If any provision of this Payment Policy is held invalid, excessive or unenforceable, that provision shall be modified or reduced to the minimum extent necessary to make it enforceable where legally permitted, and the remaining provisions continue in full force.
The parties intend all financial remedies, default charges, restrictions and protections in this Payment Policy to operate only to the maximum extent permitted by applicable law.
Important: This Payment Policy is intended for business-to-business professional engagements. Nothing in it excludes any right or liability that applicable law does not permit the parties to exclude. Financely provides advisory and arranging services on a best-efforts basis and does not guarantee financing, lender approval, transaction completion, investment returns, pricing, timing or any other outcome. This Payment Policy should be read together with the Financely Terms of Service and Financely Earnings Disclaimer.
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.
Submit a RequestAccess non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestSecure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFinancely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
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 provides paid structured debt advisory, trade finance, project finance and credit enhancement advisory for companies, sponsors and investors executing qualified transactions.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
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.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
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.
Click
here to download our brochure. Email
supportdesk@financely-group.com for general enquiries.
Click here to view the complete regulatory disclaimer.
