In real trade and project deals, banks do not jump straight from a term sheet to final settlement. There is an intermediate step where they confirm intent, readiness and key references to each other in a controlled way. MT799 sits in that space. It is a SWIFT message that lets banks send authenticated, free format confirmations before cash moves or instruments are issued.
Many counterparties hear about MT799 only through careless intermediaries and false “monetization” schemes. That noise hides the simple truth. MT799 is a useful tool inside a real transaction. It is not an asset, not collateral and not magic yield.
MT799 is a SWIFT category 7 message used for free format, bank to bank communication. The content is structured by agreement between the sending and receiving banks, not by a fixed SWIFT template. The key point is that it is authenticated on the SWIFT network and tied to the BICs of regulated entities.
In practice, MT799 is often used to:
MT799 is not a payment instruction. It does not move value and it is not a substitute for a real instrument like an SBLC, DLC, bank guarantee or wire transfer.
MT799 gives both banks a clean, auditable way to record what has been agreed before a higher risk message is issued. It is a checkpoint in the sequence. If there is a misunderstanding around amounts, parties, expiry or conditions, it is better to find it in an MT799 than inside a live guarantee or credit that has already gone out.
MT799 appears when real banks are trying to de risk the last steps of a deal. It gives comfort to the seller, lender or counterparty without forcing the issuing bank to send a binding instrument before conditions are in place.
Common situations include:
Both MT199 and MT799 are free format messages, which is why they get mixed up in casual conversations. The difference lies in typical use and perceived weight inside a transaction.
| Message | Purpose | Typical Use |
|---|---|---|
| MT199 | Generic free format correspondence. | Informal notices, clarifications or pre advice where no formal confirmation is required. |
| MT799 | Authenticated confirmation or stated intent tied to a pending transaction. | Formal bank to bank comfort when an SBLC, DLC, guarantee or settlement is about to be issued. |
MT199 is more like a general email inside the SWIFT network. MT799 is used when the sending bank wants its statement to sit closer to the core of the deal and expects the counterparty to rely on that message when taking the next step.
MT799 does not move funds and is not an instrument that can be presented for payment. It is an authenticated statement from one bank to another at a point in time. In that sense, it is taken seriously inside a transaction, but it is not final settlement and it is not a guarantee document.
It usually records intentions that are still subject to:
Treat MT799 as a step in the issuance sequence. The real legal effect flows from the final instrument, not the preliminary message.
MT799 appears in many fake trade and “high yield” schemes because it sounds technical and most genuine corporates do not know what it does. A few clear rules cut through that noise.
At Financely, MT799 is only used inside genuine trade, project, real estate or structured credit transactions. We treat it as a coordination tool between regulated counterparties, not as a product to sell on its own.
A simplified sequence looks like this:
MT799 is one step in that chain. We do not market it as a stand alone service and we do not work with parties who frame it as a way to unlock “risk free” returns.
No. MT799 is a bank to bank SWIFT message. Your company is the underlying client, but the message moves between BICs, not to your corporate email. Your bank can confirm whether it has received or sent an MT799 on your behalf and, in some cases, may share a bank letter that reflects the content.
It is a strong signal, but not a guarantee. MT799 usually records intent that is still subject to final checks and documentation. If those steps fail, the bank can decide not to proceed with issuance even if an MT799 has been exchanged earlier in the process.
Serious counterparties rely on a mix of evidence. MT799 can give comfort that a bank is willing to stand behind a client, but it does not replace basic financial disclosure. For regulated lenders and sellers, audited financials, bank statements and formal instruments still matter.
If your counterparties are asking for bank to bank comfort before they ship goods, release documents or commit to a facility, you need more than a template on a screen. You need a controlled sequence that ends in a genuine instrument, not in a dead end message.
Share your draft terms, parties and closing timeline and we will help you coordinate a credible structure, including MT799 where appropriate, through regulated banking partners.
Submit Your DealDisclaimer: Financely acts as advisor and arranger via regulated partners. We do not custody client funds. All SWIFT messaging, instruments and funding lines are subject to underwriting, credit approval, KYC, AML, sanctions screening, legal documentation and counterparty approvals. This page is for a professional audience only and is not an offer of credit, guarantees or securities in any jurisdiction.
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestAccess non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestSecure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFinancely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
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.
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.
Click
here to download our brochure.
