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.
Trade finance is an execution discipline. Deals fail for boring reasons: mismatched instrument choice, sloppy documents, wrong Incoterms, missing controls, and unrealistic bank expectations. This glossary is a quick reference for the terms you will see in real files, term sheets, and bank ops conversations. If you want a broader map of instruments and where they fit, see The Complete Guide to Trade Finance Instruments and A Practitioner’s Guide to Trade & Commodity Finance.
A conditional payment instrument used to pay against compliant documents (shipping and commercial documents). Compare it with standbys using SBLC vs DLC.
A credit support instrument designed to be drawn if the applicant fails to perform or pay. It is a backstop, not a routine payment tool.
A standby that backstops a payment obligation. It is called when money due is not paid. Definition: Financial Standby Letter of Credit Definition.
A standby that backstops performance obligations such as completion or service delivery. Definition: Performance Standby Letter of Credit Definition.
A guarantee issued by a bank to support obligations. In many markets it behaves like a demand guarantee, but local law and wording decide the real mechanics.
A guarantee payable on demand if stated documents are presented. It is close to a standby in economic effect, but often uses a different ruleset and market practice.
A second bank adds its undertaking to pay, taking issuing bank and country risk, subject to compliant presentation. Practical mechanics: Issuance, Confirmation, and Discounting.
An LC delivered to the beneficiary by an advising bank that authenticates the message but does not add payment risk unless it also confirms.
A documentary LC with deferred payment terms (30 to 180 days are common). See: Usance LCs and UPAS (30–180 Day Tenors).
Usance payable at sight. The seller gets paid at sight by a nominated or confirming bank, while the buyer repays the issuer at maturity. Guide: Full Guide to UPAS LC.
Deferred payment LCs pay at maturity without a draft. Acceptance structures involve a time draft accepted by a bank, which can be discounted depending on bank risk and wording.
Allows the first beneficiary to transfer all or part of the LC to a second beneficiary, typically a supplier. It is useful in intermediary models, and also a common fraud magnet if mishandled.
Rules for documentary credits used widely in trade. It governs how banks examine documents and handle presentations. Guide: UCP 600 on Letter of Credit.
Banking practice guidance used with UCP 600. It explains how banks interpret common document formats and frequent discrepancy patterns.
Rules purpose-built for standby letters of credit. It standardizes demand mechanics, examination, and timing for standbys.
Rules for demand guarantees. Often used for guarantees where the market expects a URDG framework rather than a standby framework.
Rules for bank-to-bank reimbursement under documentary credits. It matters when reimbursement arrangements are separate from the issuing bank and settlement needs to run clean.
Standard trade terms allocating delivery tasks, cost, and risk transfer points between buyer and seller. Start here: Incoterms 2025: The Definitive Guide.
Core sea freight document evidencing shipment and often used as a title document in documentary credit structures. Errors in consignee, notify party, dates, and endorsements drive discrepancies.
Air transport document. It is not a document of title in the same way as a traditional B/L, so structure and controls change with shipment mode.
Invoice matching LC data points: seller, buyer, description, unit price, total price, currency, and Incoterms. Mismatches are a top discrepancy cause.
Document describing packaging and quantities. Banks treat it as a cross-check against invoice and transport documents.
Document stating origin. Often required for customs, duty treatment, and buyer compliance, and sometimes required by LC conditions.
Any mismatch between presented documents and LC terms or applicable practice. Discrepancies delay payment, create leverage, and can kill repeat business.
The party requesting issuance of the instrument and bearing the bank’s exposure. The bank underwrites the applicant, not the sales pitch.
The party entitled to draw under the instrument if conditions are met. In documentary credits, it is typically the seller or exporter.
The bank that issues the LC or SBLC and undertakes to honor a compliant presentation. Issuer acceptability drives counterparty comfort.
The bank that authenticates and advises an LC or SBLC to the beneficiary. Advising does not equal confirmation.
The bank that adds its own undertaking to pay. It prices issuing bank risk, country risk, and document risk.
A bank named in the LC to act on presentations, honor or negotiate if it chooses, and route documents.
Payment at sight against a usance or deferred obligation, priced on bank risk and tenor. It shows up in UPAS and acceptance-style structures. Primer: Issuance, Confirmation, and Discounting.
Purchase of medium-term receivables, often bank-supported, on a without-recourse basis. Used for exports where a seller wants cash and risk transfer.
Sale or financing of receivables, sometimes with credit protection and collections support. It is common in recurring trade flows.
Buyer-led payables finance where suppliers get early payment based on buyer risk. A common cousin is dynamic discounting. Guide: Dynamic Discounting Guide.
Working capital against goods, typically with control over storage, release, and sometimes sales proceeds. Lenders care about custody, title, and exit path.
A control framework where a collateral manager monitors stock, movements, and releases, often paired with warehouse receipts and controlled release procedures.
Know-your-customer, know-your-business, and ultimate beneficial owner identification. Without it, banks do not move, even if the deal is commercial gold.
Anti-money laundering checks and sanctions screening across parties, banks, vessels, ports, and sometimes goods. One hit can freeze a file.
Risk linked to jurisdiction, FX controls, politics, and enforceability. It impacts confirmation appetite and collateral standards.
Insurance covering non-commercial events like expropriation, currency inconvertibility, or political violence. Used to make certain corridors financeable.
Fake offers, recycled documents, and broker chains that cannot show title, inspections, or verifiable logistics. Practitioners screen early to avoid wasting weeks.
The practical levers that protect the lender: document control, title control, warehouse control, and cash control. Controls are what turns a story into bankable risk.
Common SWIFT message format used to issue a documentary LC. It carries the core LC terms and conditions.
Common SWIFT message format used for a standby or guarantee issuance. It is part of how banks authenticate and advise SBLCs.
Free-format SWIFT message used for bank-to-bank communication such as confirmations of intent, clarifications, or process steps. It is not an instrument.
Verification that the message is genuine and sent by the claimed bank. If a counterparty cannot authenticate, the instrument is not bankable in practice.
Delivery of required documents to the nominated, confirming, or issuing bank within the required time windows. Presentation discipline is where deals either get paid or stall.
Honour is payment or acceptance in line with the LC terms. Negotiate is the purchase of drafts or documents by a bank, subject to its choice and risk view.
First, trade finance words are only useful when you can attach them to documents, controls, and a real shipment or service delivery plan. Second, instrument choice should follow the commercial truth. If you are trying to use a standby to replace missing collateral, missing contracts, or missing credibility, the file will fail. For practical execution references, keep these open: Incoterms 2025 Guide , UCP 600 Guide , and UPAS LC Guide.
If you have a live transaction, clear counterparties, and you can support KYC and documentation, we can confirm the viable structure and what a lender will require to underwrite it.
Submit Your DealDisclaimer: This page is for general information only and does not constitute advice, an offer, or a solicitation. Financely operates as a transaction-led capital advisory desk and is not a bank or lender. Any trade finance instrument or facility is subject to underwriting, KYC, AML, sanctions screening, legal review, document finalization, and approvals by relevant regulated parties.
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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