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.
“SBLC” is not one product. It is a structure family. The differences are practical: what obligation is being supported, what documents trigger payment, and which ruleset governs document examination. If you want the baseline mechanics first, start with SBLC Uses, Costs and Application Process and SBLC FAQ.
Most SBLCs fall into two buckets. A financial SBLC backstops money not paid. A performance SBLC backstops work not performed. If you want the dedicated definition pages, use Financial Standby Letter of Credit Definition and Performance Standby Letter of Credit Definition.
Supports payment obligations such as invoices, lease payments, settlement tranches, or other monetary commitments. If you want the definition and the practical draw logic, see Financial Standby Letter of Credit Definition.
Supports non-monetary obligations such as completion, service delivery, and milestone execution. If you want the definition and the drafting points that change call risk, see Performance Standby Letter of Credit Definition.
A bid bond SBLC supports a bidder’s obligation to keep an offer open, sign the contract if awarded, and provide the required performance security. It is common in public tenders and large private procurement. Drafting risk shows up when call rights are broader than the tender rules.
A performance bond SBLC is the standby version of a performance bond. It backs completion and contractual performance and is often requested when the employer wants bank-grade recourse. If you need the core definition and where it differs from financial standbys, use Performance Standby Letter of Credit Definition.
An advance payment SBLC protects the beneficiary when it pays an advance and wants repayment if the applicant fails to deliver. In real work, the reduction schedule matters. The standby should amortize as goods ship or milestones are certified, otherwise it becomes a pricing and exposure problem for the issuer.
A retention standby is used when the beneficiary withholds retention money but agrees to release it against a standby. A warranty or defects liability standby covers post-completion obligations during the warranty period. These are where vague wording gets abused, so objective triggers and timelines matter.
A payment standby supports invoices and trade payables, often where the supplier grants credit terms. This is one of the most common financial standby formats. If you are aligning a standby with a documentary LC, start with SBLC vs Documentary Letter of Credit.
A lease standby secures rental or lease payments for equipment or real estate. It is usually structured as a financial standby with a draw statement that rent due was not paid. Tenor and extension language matter because many leases run longer than a single annual banking cycle.
A debt service standby supports scheduled principal and interest payments under a loan or facility. It is used when a lender wants an extra layer of payment support beyond covenants and security. Banks focus on how “due” is defined, cure periods, and whether partial drawings are allowed.
A customs standby supports customs duties, taxes, or regulatory obligations where authorities require security. It is common in import operations, bonded warehouse programs, and regulated goods. These can be routine for established corporates, but they still require clean compliance and issuer comfort.
A settlement standby supports payments under a settlement agreement, including staged tranches. It is also used to backstop obligations in structured commercial arrangements where a party wants recourse without rewriting the entire contract.
In structured trade and project finance, SBLCs can sit inside a wider security and control package. The standby is rarely the only credit support. Lenders look at issuer quality, authentication path, contract credibility, and whether the instrument text matches the underlying deal mechanics. If you need the bank operations baseline, start with MT760 SBLC Format and Requirements and What Happens When an SBLC Is Drawn.
The instrument type tells you what it is meant to cover. The ruleset tells you how it is meant to be operated. ISP98 is built for standbys. UCP 600 is widely used for documentary credits and is sometimes used for standby issuance. URDG 758 is common for demand guarantees. For the practical differences, use ISP98 vs URDG 758 vs UCP 600 and, if your deal references documentary credits, UCP 600 Guide.
If you have a live transaction, a clear beneficiary, and you can support KYC, legal review, and instrument drafting, we can confirm the viable SBLC type and issuance route.
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 SBLC, bank guarantee, or related 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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