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.
MT199 is a SWIFT ISO 15022 free-format message used to transmit information when no other structured message type applies. It is a bank messaging format. It is not a financial instrument.
In SWIFT FIN, “n99” message types are free-format information messages, where “n” indicates the category the message is routed to. MT199 is the Category 1 free-format message and is used across multiple banking contexts. For the field-level format reference, see the ISO 15022 data field dictionary entry for MTn99 message types.
Banks use MT199 to clarify references, confirm receipt, provide status context, or align operational sequencing where no standard structured message is appropriate.
In some workflows, MT199 can appear before a formal issuance message is transmitted, as a coordination step, not as the deliverable itself.
MT199 may also be used between a corporate and its bank where the bank supports corporate connectivity and no other message type fits.
MT199 typically contains a transaction reference (field 20), an optional related reference (field 21), and a narrative (field 79). The narrative is where confusion often begins.
These message types are often mentioned together in trade finance conversations. The practical distinction is that MT199 is a general-purpose free-format correspondence message, while MT799 is commonly used in Category 7 trade finance workflows as an authenticated narrative message tied to documentary credits or standby/guarantee sequencing. MT760 is commonly associated with the bank-to-bank transmission of an issued standby or guarantee undertaking.
The correct question is not “do you have an MT199.” The correct question is whether the message is authenticated, originates from a real regulated institution, and matches the executed transaction pathway.
Confirm the sending institution name and BIC, and confirm that the receiving institution is a bank capable of receiving SWIFT FIN messages.
The message should contain consistent references to the transaction and related steps. Where applicable, the related reference should match the referenced instrument or workflow.
In real closings, MT199 is followed by a defined action: issuance message, document presentation, compliance clearance, or settlement step. If no next step exists, the message is not useful.
A broker-forwarded “swift copy” screenshot is not verification. Verification is bank-to-bank authentication and alignment with the executed transaction documentation.
MT199 is frequently used as “confidence language” in private placement program discussions or speculative commodity offers. In those cases, the message is used as a substitute for the underlying commercial facts.
If you are dealing with a real transaction and need help verifying messaging sequences, instrument pathways, and bank-facing documentation, submit the file through our intake forms. We respond with scope and indicative terms based on the documentation available.
Disclaimer: This page is for general information only and does not constitute legal advice, financial advice, or a commitment to issue any instrument. Financely is not a bank. All issuance, compliance review, and credit decisions remain with regulated counterparties and are subject to underwriting, KYC and AML, sanctions screening, and legal documentation.
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.
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Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
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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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