“Financely structured a strong credit enhancement package that allowed us to secure a $4.2M commercial loan at a rate 1.75% lower than initially offered. Their team was professional, fast, and truly understood what lenders want to see.”
Credit Enhancement Structuring Services
Financely helps borrowers and sponsors improve the credit profile of a financing request through guarantees, collateral support, SBLC-backed structures, cash reserves, insurance protection, and lender-ready documentation.
Credit Enhancement Options
Financely structures credit support around the borrower profile, repayment source, collateral position, guarantor strength, and lender decision points.
Corporate Guarantee
Company-level repayment support from the borrower or an operating entity.
Corporate Guarantee
The lender receives recourse to a company if the borrower fails to pay. The credit review focuses on accounts, cash flow, existing debt, and signing authority.
Parent Company Guarantee
Repayment support from a stronger parent, sponsor, or holding company.
Parent Company Guarantee
This links the financing request to group-level credit support. Lenders review parent accounts, leverage, contingent liabilities, approvals, and enforceability.
SBLC Support
A standby letter of credit issued by a bank for payment support.
SBLC Support
An SBLC can support repayment, performance, or trade obligations. The issuer, expiry, claim wording, rules, and beneficiary terms must match the facility.
Bank Guarantee
A bank-issued undertaking used to support payment or performance risk.
Bank Guarantee
Bank guarantees can cover payment, bid, advance payment, warranty, or performance obligations. Lenders review the bank, claim triggers, rules, and governing law.
Cash Collateral
Restricted cash pledged to support repayment or debt service.
Cash Collateral
Cash can sit in a pledged account, escrow account, reserve account, or DSRA. Lenders focus on control, release terms, currency, and account bank risk.
Collateral Package
Security over receivables, inventory, equipment, shares, or hard assets.
Collateral Package
The package can include pledges, charges, assignments, liens, warehouse receipts, or mortgages. Priority, perfection, valuation, and exit route matter.
Assignment of Proceeds
Directing contract, offtake, buyer, or receivable proceeds to repayment.
Assignment of Proceeds
The lender receives rights over defined proceeds. The structure depends on notice, acknowledgement, debtor quality, payment routing, and account control.
Credit Insurance
Insurance cover against buyer default, non-payment, or political risk.
Credit Insurance
Credit insurance can support export finance, receivables finance, and project revenue. Lenders review cover percentage, exclusions, waiting period, and claims process.
Control Account
A repayment account with agreed cash waterfall mechanics.
Control Account
A control account routes receipts through agreed payment rules. It can support debt service, reserve funding, fees, monitoring, and collateral releases.
What Clients Say About Financely
Borrowers and sponsors use our credit enhancement structuring support to improve lender response, strengthen the credit file, and address specific underwriting concerns.
