Why Financely Group Requires Upfront Fees. Scope, Cost Allocation, and Refund Principles
Why Financely Group Requires Upfront Fees. Scope, Cost Allocation, and Refund Principles
1. Purpose of the Underwriting Retainer
The retainer finances the initial workstream that transforms a proposal into a lender-ready credit file. That workstream includes cash-flow modelling, covenant design, collateral audits, legal structuring, sector studies, and compliance screening. Each task demands specialist input. The fee also secures the priority of the client’s mandate in our pipeline.
2. Cost Allocation
- Internal professionals. Chartered financial analysts, project finance lawyers, and certified compliance officers assigned to the file.
- External advisers. Valuation firms, technical consultants, and title agents whose reports lenders insist upon before credit committee review.
- Data infrastructure. Secure virtual data room, sanctions screening licences, and document authentication services.
3. Distinction From Unauthorised Advance-Fee Schemes
The retainer is consideration for clearly defined professional services, not an entry toll to an automatic funding line. Payment triggers immediate deliverables—financial models, legal term sheets, third-party reports—that remain with the client. Funds are booked as earned revenue only as the work is delivered, not as an inducement for lenders to advance capital.
4. Refund Principles
The retainer is non-refundable once our team commences substantive analysis. If the client elects to withdraw before any modelling or third-party engagement begins, fifty percent of the retainer is returned. No refund is available after external costs have been incurred or draft work has been released.
5. Services Rendered to the Client
- Detailed credit memorandum aligning with private credit underwriting standards.
- Indicative term sheet negotiated to market norms for asset-backed lending, trade finance, mezzanine debt, warehouse financing, or bridging loans.
- Collateral registry searches and perfection road-map.
- Regulatory and tax structuring suited to the borrowing jurisdiction.
- Presentation of the file to private credit funds and institutional balance sheets with appetite for the relevant asset class.
6. Risk Allocation
Bridge, mezzanine, and warehouse facilities involve material capital outlay by lenders. Credit approval rests solely with those institutions. The retainer funds preparatory work; it does not alter the lender’s decision calculus. Prospective borrowers should budget accordingly and consult independent advisers before committing to any mandate.
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Submit Your Deal & Receive a Proposal Within 1-3 Working Days
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.
Trade Finance
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 RequestProject Finance
Access 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 RequestAcquisitions
Secure 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 RequestFor Banks
Financely 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.
