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.
A trade finance underwriting memo is the document a lender uses to decide, quickly, whether your deal is financeable and under what controls. It is not marketing copy. It is a structured, evidence-backed file that answers one question: what gets funded, what repays the lender, and what stops the deal from going sideways.
If you want term sheets, you need a memo that is consistent, documented, and easy to underwrite. If you send scattered PDFs and voice notes, you are basically asking a credit team to do your job.
The best memos follow a predictable order. Credit teams are busy. If they cannot find the answers fast, the file dies quietly.
| Memo Section | What It Must Answer |
|---|---|
| 1) Executive Deal Summary | Facility request, use of proceeds, tenor, repayment source, and the exact trade flow (who buys what from whom, and how settlement works). |
| 2) Borrower Overview | Legal entity, ownership, management, track record, historical performance, and why the borrower can execute the trade repeatedly. |
| 3) Transaction Mechanics | Incoterms, shipment plan, documentary steps, timelines, inspection, and the operational sequence from PO to delivery to collection. |
| 4) Counterparties | Supplier and buyer strength, payment behavior, concentration, disputes history, and any reliance on one relationship. |
| 5) Collateral And Controls | What is pledged, how title and possession are evidenced, where goods sit, who controls documents, and how cash is swept or applied. |
| 6) Borrowing Base (If Applicable) | Eligibility rules, advance rates, reserves, reporting cadence, and what triggers ineligibility or margin calls. |
| 7) Financial Profile | Sources and uses, margins, break-even, working capital cycle, and how the borrower services fees, interest, and amortization. |
| 8) Covenants And Reporting | Minimum liquidity, leverage, coverage, concentration limits, and what reporting the borrower can deliver without excuses. |
| 9) Risk Register | Top risks (performance, fraud, diversion, disputes, price moves, FX, logistics) and the specific mitigants in the structure. |
| 10) Conditions To Close | KYC and AML, sanctions checks, legal docs, insurance, control agreements, inspections, and any third-party roles required. |
A lender underwrites evidence, not opinions. Your memo is only as strong as the attachments and the ability to verify them.
Trade finance is control-heavy because goods can be diverted and documents can be manipulated. Your memo must show who controls what, and when.
If you want a fast start, use this outline and fill it with evidence. Keep it tight. If a section cannot be supported, do not write fiction.
If you have a real trade flow and you can provide core documents, Financely can package the underwriting memo and run a managed term sheet process through vetted counterparties. Submit your request and we will revert with a checklist.
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 or commitment by Financely or any third party. Financely is not a bank, lender, insurer, surety, broker-dealer, or investment adviser. Any transaction support is provided through vetted counterparties and is subject to eligibility, KYC and AML review, sanctions screening, counterparty risk policy, and execution of definitive agreements.
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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request a quote
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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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