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.
Standby Letters Of Credit
Most borrowers assume a standby letter of credit is “just a document.”
From a bank’s perspective, an SBLC is a funded credit risk disguised as a contingent obligation.
That single reality explains why many banks demand 100 percent cash collateral.
When a bank issues an SBLC, it is promising to pay the beneficiary on demand if the applicant fails to perform. If that happens, the bank must fund immediately.
From a risk standpoint, this looks similar to a revolving credit exposure with uncertain timing and uncertain recovery.
Holding cash collateral eliminates three major risks for the issuing bank:
With cash sitting in a pledged account, the bank can pay the beneficiary and immediately reimburse itself. No collections, no workout, no litigation.
Under banking regulations, unfunded commitments like SBLCs still consume regulatory capital. If the SBLC is fully cash collateralized, the risk weight drops materially.
That makes fully collateralized SBLCs far more attractive to banks than unsecured exposures.
Inventory, receivables, or equipment may have real value, but they are illiquid and time-consuming to realize.
In an SBLC draw scenario, the bank needs immediate reimbursement, not a future recovery. That is why many banks refuse asset-only collateral for SBLC issuance.
Long operating history with the bank and clean performance.
Large, profitable, well-capitalized companies.
SBLC sits as a sublimit under an existing line.
Creditworthy guarantor with audited financials.
For most mid-market borrowers, the solution is not persuading a retail bank to change its policy. The solution is using structures that shift the risk away from a single issuing bank.
A creditworthy guarantor supports issuance in exchange for a guarantee fee.
Borrowing base or working capital facilities that include SBLC issuance capacity.
Private credit fund provides the economic backing, bank issues the instrument.
Alternative guarantee structures under URDG frameworks.
Financely advises on SBLC and guarantee structures and coordinates issuance through regulated banking partners where execution requires licensing.
For a foundational overview, see How To Raise Capital Using A Standby Letter Of Credit and Trade Finance Services.
If you have a defined transaction requiring an SBLC or guarantee, submit it through Submit Your Deal.
If you need an SBLC structure that does not rely on posting 100 percent cash collateral, submit your transaction for feasibility review.
This content is informational only. Financely is not a bank, not a broker-dealer, and not a direct lender. All transactions are subject to diligence, KYC, KYB, AML, sanctions screening, capital provider criteria, and definitive 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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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
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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