Client Fit Policy For Structured Finance

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Financely Client Standards
Financely Group · Client Standards

Client Standards For Financing Mandates

Financely accepts financing mandates from principals, sponsors, borrowers, traders, acquirers, developers, fund managers, and authorised representatives with credible transactions, verifiable documents, lawful funding purposes, and a clear commercial budget.

Our work covers transaction structuring, credit analysis, lender-facing documentation, capital source mapping, process management, and execution support. Every mandate is reviewed on its facts, documentation, repayment profile, collateral position, compliance standing, and lender suitability.

Financely operates as a transaction-led capital advisory desk.

We prepare and position financing transactions for review by banks, private credit funds, specialist lenders, regulated parties, family offices, and institutional counterparties where appropriate. Engagement begins after the applicable assessment fee, retainer, or mandate fee has been accepted and paid.

Core Advisory Work

Credit Structuring

We assess debt capacity, collateral support, repayment sources, cash flow coverage, risk allocation, lender appetite, and the appropriate financing route for the transaction.

Transaction Documentation

We prepare or refine lender-facing materials, including executive summaries, financing memoranda, transaction packs, financial model outputs, document checklists, and lender Q&A responses.

Lender Positioning

We map suitable funding routes across banks, credit funds, private lenders, trade finance providers, project finance counterparties, and specialist capital sources.

Execution Support

We coordinate process flow, document requests, clarification rounds, term sheet review, lender communication, diligence tracking, and mandate management.

Mandate Areas

Area Typical Transaction Profile
Trade Finance Commodity trades, receivables, confirmed purchase orders, inventory-backed facilities, warehouse receipt finance, letters of credit, supplier finance, and offtake-backed working capital.
Project Finance Infrastructure, energy, mining, logistics, industrial assets, concession-backed projects, EPC-backed development, and debt structures sized against project cash flows.
Commercial Real Estate Finance Bridge loans, senior debt, acquisition facilities, refinancing, mezzanine coordination, income-producing assets, development finance, and equity gap financing.
Acquisition Finance Business acquisitions, sponsor finance, management buyouts, search fund acquisitions, independent sponsor transactions, seller notes, and cash flow-backed leverage.
Structured Private Credit Asset-backed credit, receivables securitization, borrowing base facilities, credit enhancement, collateral-backed facilities, and bespoke lender-led structures.

Scope Of Services

The scope of work is defined by the signed engagement letter, fee schedule, client file, and agreed transaction objective. Deliverables outside the signed scope require written approval and revised pricing.

Included Services

  • Transaction review and credit analysis.
  • Financing structure recommendations.
  • Debt capacity and repayment source review.
  • Financial model review or preparation where agreed.
  • Lender-facing information memorandum or executive summary.
  • KYC and KYT documentation preparation support.
  • Lender targeting and transaction positioning.
  • Term sheet review and negotiation support.
  • Mandate correspondence and process coordination.

Excluded Services

  • Issuance of SBLCs, bank guarantees, MT760 messages, proof of funds, or loan disbursement letters.
  • Direct lending or balance sheet commitment by Financely.
  • Legal, tax, accounting, regulatory, or investment advice.
  • Guaranteed funding approvals or guaranteed lender term sheets.
  • KYC clearance for sanctioned, undisclosed, or unverifiable parties.
  • Equity placement activity requiring a licensed broker-dealer or placement agent.
  • Fee renegotiation after work has commenced.
  • Advisory work before acceptance and payment of the applicable fee.

Client Eligibility

Financely prioritises transactions where the principal or authorised representative can provide clear authority, transaction documents, a credible repayment source, and a realistic financing objective.

Authority

The client must be the principal, borrower, sponsor, acquirer, asset owner, project company, trader, or a representative with a signed mandate from the principal.

Documentation

The client must provide corporate records, ownership details, transaction documents, financial information, collateral details, and KYC materials within the requested timeframe.

Economics

The transaction must show a credible commercial rationale, identifiable repayment source, appropriate capital structure, and sufficient economics for lender review.

Budget

The client must accept the applicable assessment fee, retainer, arranger fee, legal cost, third-party cost, and execution budget before work begins.

Compliance

The client, counterparties, source of funds, transaction purpose, and jurisdiction must pass KYC, KYT, AML, sanctions, adverse media, and beneficial ownership review.

Responsiveness

The client must respond to document requests, lender questions, compliance checks, and transaction clarifications within the agreed process timetable.

Transactions We Decline

Financely declines transactions that lack authority, documentation, lawful purpose, repayment capacity, collateral support, sponsor equity, compliance transparency, or a realistic path to lender approval.

Decline Category Reason
No Principal Access Broker chains, informal intermediaries, and parties unable to connect the principal are not accepted.
No Equity Or Collateral Project finance, acquisition finance, Commercial Real Estate debt, and trade finance usually require sponsor contribution, collateral, contracts, receivables, inventory, guarantees, or other support.
Incomplete Transaction File Missing financials, unclear ownership, unsigned contracts, unsupported valuations, absent permits, weak projections, or incomplete KYC materials create execution failure.
Unacceptable Compliance Risk Sanctions exposure, undisclosed beneficial ownership, forged documents, unclear source of funds, adverse media, and unverifiable counterparties stop the process.
Instrument Misuse Requests for casual SBLC issuance, bank guarantee leasing without a real obligation, proof of funds misuse, or vague monetization schemes are declined.
Success-Fee-Only Requests Financely does not accept mandates where the client refuses any upfront assessment fee, retainer, work fee, or agreed engagement payment.

Fees And Work Product

Financely charges for professional advisory work. Depending on the transaction, fees may include an assessment fee, retainer, arrangement fee, success fee, lender-side fee, third-party cost, legal cost, diligence cost, or external specialist cost.

Where a USD 500 deal assessment fee is offered, it covers preliminary review of the transaction and may be credited against a later arranger fee where expressly stated in writing. Full mandate fees are set out in the engagement letter or invoice.

A financing assessment may produce a positive, conditional, or negative result. A negative assessment remains work product where it reflects review, analysis, compliance screening, or lender-readiness evaluation.

Client Responsibilities

Clients are responsible for the accuracy, completeness, and legal validity of the information submitted to Financely. This includes ownership, authority, contracts, financials, collateral, source of funds, project status, liabilities, litigation, lender history, and all material transaction facts.

Accurate Disclosure

All material facts must be disclosed before lender-facing execution begins. Selective disclosure weakens credit review and may terminate the mandate.

Document Delivery

Documents must be supplied in a complete, readable, current, and verifiable form. Unverified documents are treated as draft information until checked.

Payment Compliance

Fees, retainers, third-party costs, and agreed expenses must be paid according to the signed engagement terms or invoice terms.

Counterparty Conduct

Introduced lenders, investors, guarantors, banks, arrangers, and specialist parties must be contacted only through the agreed process unless Financely consents in writing.

Mandate Termination

Financely may terminate or pause a mandate where the client provides inaccurate information, withholds material facts, fails KYC or KYT, misses payment obligations, circumvents introduced counterparties, requests excluded services, or changes the transaction after work has commenced.

Issue Possible Response
Material Omission Pause, revised assessment, mandate amendment, or termination.
Misrepresentation Termination, record preservation, and reservation of rights.
Non-Payment Suspension of work and enforcement of agreed fee terms.
Circumvention Enforcement of fee protection, tail period, and anti-circumvention provisions where applicable.
Compliance Failure Decline, termination, and no lender-facing distribution.

Refund Position

Advisory fees are earned for work performed. Assessment fees, retainers, mandate fees, and third-party costs are governed by the relevant invoice, engagement letter, and written terms accepted by the client.

Where a transaction does not proceed because of lender appetite, documentation gaps, compliance issues, lack of collateral, lack of equity, weak repayment capacity, failed diligence, market conditions, or client-side omissions, the fee treatment follows the signed engagement terms.

Financely does not treat a lender decline, negative assessment, or client-side transaction failure as automatic grounds for refund. Any refund position must be assessed against the signed terms, work performed, costs incurred, and facts of the mandate.

Impersonation And Instrument Fraud

Financely does not issue SBLCs, bank guarantees, proof of funds letters, MT760 messages, loan disbursement letters, or bank instruments. Any party claiming to issue instruments directly through Financely, guarantee repayment on Financely’s behalf, or disburse lender funds from Financely is acting without authority.

Clients should verify email domains, invoice details, payment instructions, and transaction correspondence before sending funds or documents. Suspicious communications should be reported through Financely’s official website.

Frequently Asked Questions

Financely provides transaction-led capital advisory, including credit analysis, deal structuring, lender-facing documentation, lender targeting, compliance preparation, and execution support for structured financing mandates.
Financely is not a lender, bank, deposit-taking entity, guarantor, or balance sheet provider. Financely advises, structures, prepares, and manages financing processes involving third-party capital sources.
Financely does not issue SBLCs, bank guarantees, MT760 instruments, proof of funds, or loan disbursement letters. Instrument issuance can only be handled by appropriate banks or authorised issuing parties.
Structured finance work begins before lender approval. The work includes review, credit analysis, structuring, documentation, lender matching, compliance preparation, and process management. Fees compensate professional work performed under the engagement terms.
Where offered, the deal assessment fee covers preliminary transaction review, initial compliance screening, structure assessment, and financing viability analysis. The outcome may be positive, conditional, or negative.
Yes. A negative assessment may reflect credit review, documentation analysis, compliance screening, lender-readiness evaluation, or marketability analysis. It remains professional work where performed under an accepted engagement.
Eligible submitters include principals, borrowers, sponsors, asset owners, project companies, traders, acquirers, fund managers, and representatives with a signed mandate from the principal.
Typical documents include corporate records, ownership information, identification for directors and beneficial owners, financial statements, bank statements, transaction contracts, collateral details, project documents, lender history, and source of funds information.
Third-party credit approval depends on lender appetite, diligence, documentation, collateral, repayment capacity, compliance review, market conditions, and final credit committee decisions.
Financely focuses on advisory and debt-side capital introduction. Where equity placement requires licensed activity, the process must involve appropriate regulated third-party placement agents or investment banks.

Submit A Financing Mandate

Submit your transaction if you have authority, documents, clear economics, a lawful financing purpose, and budget for a paid advisory process.

Submit Your Deal

Financely provides commercial advisory, structuring, transaction preparation, lender matching, and execution support through appropriate regulated or specialist parties where required. Financely is not a bank, lender, broker-dealer, issuing institution, guarantor, insurer, or deposit-taking entity. All mandates remain subject to diligence, KYC, KYT, sanctions screening, legal review, lender approval, final documentation, and agreed fees. Nothing on this page is legal, tax, investment, regulatory, or banking advice. Contractual rights and remedies depend on the applicable engagement letter, governing law, facts, evidence, and legal review.

About Financely

We Provide Private Credit Trade and Project Finance Advisory for Sponsors and Borrowers

Financely is an independent capital adviser focused on trade finance, project finance, Commercial Real Estate, and M&A funding. We structure, underwrite, and place transactions through regulated partners across banks, funds, and insurers. Engagements are best-efforts, not a commitment to lend, and remain subject to KYC, AML, and approvals.

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