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.
A letter of credit confirmation line is a risk limit that a confirming bank grants against an issuing bank, country, or both. Once the line is available, the confirming bank can add its confirmation to eligible LCs issued in favor of your company. That shifts payment risk from the issuing bank to the confirming bank, subject to compliant presentation.
For exporters, this is a working capital and risk-control tool, not only a legal formality. With a confirmed LC, you can plan production, ship with more confidence, and often discount the receivable faster because payment quality is stronger.
African exporters face a mixed bank risk map. Some issuing banks are widely accepted. Some are accepted with tight limits. Some are accepted only with short tenors or added conditions. Confirmation lines solve this by letting a stronger bank sit on top of the LC structure.
In practice, this can determine whether your deal closes or dies. Buyers may insist on local issuing channels. Exporters still need payment certainty. Confirmation gives both sides a path when direct bank-to-bank comfort is not enough.
Higher confidence in payment quality can unlock larger order sizes and repeat contracts.
Confirmed LCs are often easier to discount or finance than unconfirmed exposures.
Country and issuing bank risk is reduced through the confirming bank’s undertaking.
A pre-arranged confirmation line speeds repeat transactions under similar buyer and bank profiles.
| Term | What it is | What it does not do |
|---|---|---|
| Advising | An advising bank authenticates and forwards the LC. | It does not add payment undertaking. |
| Confirmation | A confirming bank adds its own irrevocable undertaking to honor compliant documents. | It does not remove documentary compliance requirements. |
| Discounting | A bank advances funds against expected LC proceeds, often after document acceptance. | It does not replace confirmation risk protection by itself. |
Banks do not approve confirmation lines by headline country alone. They score several layers at once: issuing bank quality, buyer profile, goods type, trade corridor, tenor, shipment performance risk, sanctions risk, and your documentation discipline.
Each confirming bank sets internal exposure limits by issuing bank and country. Some lines are open. Some are partially open. Some are closed unless a risk-sharing structure is added.
Commodity type, shipment route, Incoterms, and performance history all influence acceptance. Certain cargo categories receive tighter scrutiny.
Short, clean tenors are easier. Long tenors or large single-ticket exposures consume more line and trigger deeper committee review.
Banks want predictable, compliant presentations. Repeated discrepancy history can push pricing up or reduce available limits.
Confirmation pricing is rarely one flat number. It is usually a stack. Your all-in cost depends on line utilization, risk grade, tenor, and operational complexity.
| Component | How it is usually charged | Main driver |
|---|---|---|
| Confirmation fee | Percentage p.a. applied pro-rata to LC amount and tenor | Issuing bank and country risk, tenor, line scarcity |
| Advising/admin fees | Flat or small transaction-based fee | Bank operations workload |
| Document handling | Per presentation or per discrepancy event | Presentation quality and complexity |
| Risk distribution premium | Case-by-case add-on when risk is syndicated or reinsured | Capacity constraints and market appetite |
If you want a practical intake path, use Submit Your Deal. If the transaction needs a broader credit enhancement strategy, see Standby Letter of Credit solutions.
| Stage | Target Window | Output |
|---|---|---|
| Initial screening | 2 to 4 business days | Go or no-go based on basic risk and structure fit |
| Underwriting package review | 4 to 8 business days | Indicative line appetite and pricing direction |
| Bank credit decision | 5 to 10 business days | Approved line terms, conditions, and operational protocol |
| Operational setup | 3 to 7 business days | Execution workflow, contact matrix, document routing |
Delays usually come from avoidable issues: mismatched legal names, missing KYC pages, unclear contract clauses, or late changes to LC terms after bank review has started.
“We need a large line” is not a request. Banks need projected flows, buyer data, tenor, and goods profile.
Missing SWIFT and inconsistent bank identity information creates immediate credibility issues.
KYC holes found at the end will reset the clock. Build clean compliance files first.
If your presentation history has recurring issues, address root causes before asking for aggressive pricing.
Very low headline quotes often hide conditions that surface late. Focus on executable terms, not teaser numbers.
Multiple voices, no owner, and scattered email threads lead to contradictory instructions and delays.
You do not need one template for every buyer. Strong exporters segment buyers and corridors, then match confirmation structure by risk and volume.
Best for concentrated flows with one or two core buyers and repeat LC format.
Useful when volumes are large or corridor risk appetite shifts across institutions during the year.
Different buyers can be routed through different issuing channels to fit available confirmation appetite.
For tougher corridors, combine confirmation strategy with other credit support tools and tighter document controls.
Financely operates as a transaction-led capital advisory desk. For confirmation-line mandates, the job is not random introductions. The job is underwriting-grade packaging, bank positioning, structured outreach, and controlled execution until terms are live.
If your team is preparing for active exports, start with the platform workflow. For direct mandate submission, use the intake portal.
Send your buyer list, issuing bank details, projected volumes, and draft transaction documents. We will map bankability, pricing range, and an execution path built for closing.
Do we need a separate confirmation line for each buyer?
Not always. Structure depends on issuing bank mix, corridor risk, tenor, and transaction volume. Some exporters run one core line. Others need segmented capacity.
Can confirmation be arranged before the first LC is issued?
Yes. Pre-arranged appetite discussions are common and can reduce execution time once an LC is opened.
Does confirmation remove document discrepancy risk?
No. You still need compliant presentation. Confirmation covers payment undertaking risk, not documentary mistakes.
How long does setup take in a clean case?
Initial screening can be quick, then full approval depends on underwriting depth, compliance readiness, and line availability.
Where can we start immediately?
Start with Submit Your Deal , then follow the structured process on How It Works.
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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