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 And Contract Security
An advance payment guarantee protects a buyer or project owner when they pay a supplier or contractor up front. If delivery fails or obligations are not met, the beneficiary can call the guarantee to recover the advance, subject to the guarantee wording.
The key question is not “can someone issue it.” The key question is “will the beneficiary accept the issuer, and can the instrument be verified and enforced.”
If you want the broader context, start with Trade Finance and Trade Finance Services.
In real markets, advance payment guarantees are issued by regulated financial institutions, most commonly banks. In many jurisdictions and sectors, especially construction and infrastructure, a surety company can also provide an advance payment bond that serves the same commercial purpose. Brokers and intermediaries may arrange issuance, but they are not the issuer.
Banks issue advance payment guarantees as part of their trade finance and guarantee products. Issuance is typically supported by a credit facility, cash margin, collateral, or a combination of these. The buyer often specifies acceptable banks, required rules, and confirmation standards.
In markets where contract bonding is standard, a surety company can issue an advance payment bond. Acceptance depends heavily on the beneficiary’s policy, the jurisdiction, and the form of bond, including whether it is on demand or conditional.
Fast rule: if the beneficiary did not approve the issuer category in writing, treat it as not accepted. A “guarantee” that the beneficiary cannot call or verify is not security.
The lists below are examples of well known institutions that offer guarantees or contract bond products in many markets. Availability and eligibility vary by jurisdiction, client profile, limits, tenor, and sector.
| Issuer Category | Examples | Notes |
|---|---|---|
| Global and regional banks | HSBC , Standard Chartered , Citi , J.P. Morgan , BNP Paribas , ING , Santander , UniCredit , Société Générale , Deutsche Bank | Typically issued under a guarantee facility, cash margin, or collateral support. Beneficiaries often use an “acceptable bank” list. |
| Asian transaction banks | DBS , OCBC , UOB | Often relevant for Asia linked supply and manufacturing contracts. Acceptance still depends on beneficiary standards. |
| Middle East banks | Emirates NBD , First Abu Dhabi Bank , QNB | Common in regional EPC and procurement. Cross border beneficiaries may still require confirmation or specific rules. |
| Surety and insurance groups | Zurich , Chubb , AIG , Travelers , Liberty Mutual , CNA | Often structured as contract bonds. Acceptance is contract and jurisdiction specific. Clarify whether the bond is on demand or conditional. |
Most disputes happen before issuance. The beneficiary rejects the issuer, the branch, the country, or the format. You avoid this by getting written acceptance criteria up front.
Operability means the beneficiary can call it under the stated conditions, within a clear time window, through a clear presentation channel. Fancy wording that blocks claims is not “strong.” It is a rejection trigger.
Issuance is credit. Expect underwriting. A typical pack includes:
Financely supports structuring and lender decisioning for trade finance and credit enhancement mandates. We align the instrument requirement to market terms, build a lender grade file, and route the mandate to matched capital providers. Where execution requires licensing, we coordinate execution through appropriately licensed partners under their approvals.
If you have a real contract, a defined advance payment, and a beneficiary template, submit the mandate. We will revert with feasibility, issuer options that match the beneficiary’s acceptance criteria, and the steps to close.
They solve the same commercial problem, protecting an advance payment. The issuer category, wording, and claim conditions can differ, and beneficiary acceptance should be confirmed in writing.
No. A broker can arrange placement, but the issuer is a regulated bank or a regulated surety company. Always verify issuer identity through direct channels.
Most rejections are basic: issuer not on the acceptable list, wrong jurisdiction, unclear claim mechanics, missing expiry logic, or non compliant template language.
Obtain the beneficiary’s template and acceptance criteria in writing. Then build the underwriting pack and only then begin issuer matching.
If you want an advance payment guarantee to be accepted, start with verifiable inputs: the contract, the beneficiary template, issuer acceptance criteria, and claim mechanics. Everything else is noise.
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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