Engagement Model and Scope of Services
Financely operates as an independent transaction advisory firm acting in an agency capacity on behalf of clients. Our role is to structure, package, underwrite, and distribute financeable transactions to appropriate capital providers, subject to mandate terms, documentation quality, KYC, KYT, lender appetite, jurisdictional limits, third-party approvals, and applicable law.
Financely is not a bank, broker-dealer, securities underwriter, principal investor, balance sheet lender, fiduciary trustee, escrow agent, payment institution, deposit-taking institution, or guarantor of client obligations. Financely does not lend, deploy, or commit its own capital to client transactions. Financely does not take proprietary positions in any financing it advises upon, and Financely does not act as a counterparty to its clients or to the capital providers introduced through its engagements.
Scope of Advisory Services
Financely’s services are limited to transaction advisory work. This may include transaction structuring, capital stack design, debt sizing, repayment source analysis, lender-facing memo preparation, financial modeling, collateral package review, term sheet coordination, data room organization, financing process management, and engagement with prospective capital providers.
In trade finance, project finance, commercial real estate debt, acquisition finance, asset-based lending, receivables finance, commodity finance, and structured credit transactions, our work is focused on making the transaction readable, bankable, and distributable. That means clarifying the borrower, the asset, the repayment source, the collateral path, the control mechanics, the documentation pack, the commercial risks, and the likely lender decision points.
All financing decisions, credit approvals, investment decisions, commitments, term sheets, facility agreements, security documents, guarantees, disbursements, and closing conditions remain solely between the client and the relevant capital provider, lender, investor, regulated intermediary, or transaction counterparty.
| Workstream | What Financely May Do |
|---|---|
| Transaction Structuring | Review the commercial objective, funding need, tenor, repayment source, collateral support, sponsor contribution, covenants, and proposed capital stack. |
| Underwriting Preparation | Prepare lender-readable materials, including transaction summaries, underwriting memos, cash flow schedules, source and use tables, risk commentary, document checklists, and data room indexes. |
| Capital Provider Engagement | Identify and engage prospective lenders, private credit funds, asset-based lenders, trade finance desks, project finance groups, family offices, credit funds, or regulated placement partners where appropriate. |
| Process Coordination | Coordinate questions, document requests, lender feedback, indicative terms, diligence calls, external specialist input, and closing workstreams within the scope agreed in the engagement letter. |
| Regulated Activity Boundary | Coordinate with licensed broker-dealers, investment banks, placement agents, legal counsel, or other regulated professionals when a transaction requires licensed securities activity. |
| Case Study Context | Provide redacted examples of prior engagement formats, transaction structures, process steps, and closing pathways without disclosing confidential client information or promising that a new transaction will achieve the same result. |
Operational Model and Independent Specialists
Financely operates a lean, fully remote organizational model. The firm uses a mandate-specific team structure because structured finance transactions often require sector, jurisdiction, tax, legal, technical, environmental, commercial, and capital markets input that varies from deal to deal.
For workstreams that sit outside core advisory services, Financely may engage independent third-party professionals and consultants on a per-mandate basis. These workstreams may include tax structuring, legal opinions, jurisdiction-specific counsel, technical diligence, environmental review, ESG review, carbon market advisory, insurance review, sector-specific modeling, asset valuation support, collateral verification, sanctions screening support, or external lender diligence support.
These third parties may be retained directly by the client or by Financely on the client’s behalf, depending on the engagement structure, disclosure requirements, budget approval, and the applicable engagement letter. Each third party remains responsible for the services they provide within their own professional capacity.
Why We Use A Mandate-Specific Team
A copper export facility, a solar project debt raise, a commercial real estate bridge loan, and an acquisition finance mandate require different diligence pathways. A fixed internal team for every transaction would create cost drag and weaker technical coverage.
How The Model Protects The Client
The client gets a narrower, transaction-specific workstream. The mandate budget is directed toward underwriting, packaging, specialist input, lender engagement, and closing support rather than maintaining unnecessary fixed overhead.
Debt Transactions and Equity Capital Raises
For debt financing transactions, including trade finance, project finance, structured credit, acquisition finance, commercial real estate financing, receivables finance, borrowing base facilities, SBLC-backed credit enhancement, documentary credit structures, and asset-based lending, Financely provides structuring and distribution advisory services directly.
For equity capital raises and transactions involving the offer or sale of securities, Financely does not perform regulated broker-dealer, securities underwriting, investment banking, or placement agent functions. In those cases, Financely works in coordination with a duly licensed third-party investment bank, broker-dealer, placement agent, legal adviser, or other regulated professional responsible for the regulated securities activity in the relevant jurisdiction.
Financely may prepare issuer materials, investor-facing transaction materials, capital stack analysis, commercial memoranda, business plan materials, diligence files, and supporting documentation where permitted. Regulated solicitation, securities placement, receipt of transaction-based compensation for securities activity, investor subscription activity, and order handling must be handled by appropriately licensed parties where required by law.
Case Studies and Prior Work References
Financely publishes selected case studies to explain the types of transaction structures, documentation pathways, lender engagement processes, and mandate formats that Financely and its team members have worked on. These examples may include trade finance, private credit, real estate, acquisition finance, project finance, structured debt, and capital raise support.
Case studies are educational references. They are redacted, summarized, and may be modified to protect client confidentiality, counterparty confidentiality, pricing sensitivity, lender relationships, borrower identity, asset identity, commercial contracts, and private diligence material. A case study is not a representation that every fact, name, fee, closing condition, timeline, or counterparty detail has been disclosed publicly.
A case study is not a financing offer, lending commitment, investment recommendation, securities solicitation, guarantee of closing, promise of similar terms, proof that a third-party lender will approve a new transaction, or representation that a new client’s transaction has the same risk profile as a prior mandate.
Where a case study refers to work performed by team members, consultants, advisers, or affiliated professionals, that reference may include prior professional experience, mandate-specific advisory work, Financely-led workstreams, partner-supported workstreams, or specialist support delivered under confidentiality restrictions. Clients should not interpret any case study as a public client endorsement, unrestricted testimonial, or permission to contact prior counterparties.
No Offer, No Solicitation, No Informal Reliance
Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any security, financial product, investment, loan, guarantee, note, fund interest, private placement interest, or regulated financial instrument. Nothing on this website constitutes investment, legal, tax, accounting, regulatory, or fiduciary advice.
No website page, email exchange, intake form, case study, consultation, informal comment, indicative quote, commercial estimate, draft term sheet, lender name, capital provider reference, or prior work example should be treated as a binding commitment unless it is included in a written engagement letter, signed agreement, executed term sheet, lender commitment letter, facility agreement, or other binding document issued by the relevant party.
Engagement of Financely’s services is governed exclusively by the terms of a written engagement letter executed between Financely and the client. Any transaction-specific scope, fee, deliverable, timeline, refund term, success fee, third-party cost, regulated partner role, and closing condition must be read from the signed engagement letter and related mandate documents.
How Our Engagements Are Governed
Financely works through written engagement letters. A client relationship begins only when the applicable engagement letter has been signed and the required retainer, underwriting fee, RFQ fee, or mandate fee has cleared, unless the written engagement letter states a different start condition.
Our work is transaction-led. We assess the submitted transaction, classify the financing route, define the documentation gap, prepare the mandate workstream, and approach relevant capital providers or regulated partners where the transaction merits distribution. We do not provide open-ended consulting, speculative lender lists, informal financing promises, or unpaid structuring work outside a written mandate.
The client remains responsible for the accuracy, completeness, lawfulness, and commercial validity of information supplied to Financely. This includes corporate records, ownership details, financial statements, contracts, purchase orders, invoices, letters of credit, bank comfort letters, proof of funds documents, title documents, permits, valuations, appraisals, environmental reports, sanctions representations, source of funds evidence, and counterparty information.
Communications, Calls, and Informal Requests
Financely does not operate as an open-call helpdesk for speculative enquiries, broker chains, or parties seeking free structuring advice before engagement. Written submissions, RFQs, paid consultations, and signed mandates allow the team to evaluate facts, preserve version control, record assumptions, identify risks, and avoid confusion about what has or has not been agreed.
Phone calls, messaging app discussions, informal introductions, and preliminary email exchanges do not override the engagement letter. Where a paid consultation is offered, the consultation covers discussion and preliminary guidance only. It does not create a financing commitment, lender approval, obligation to accept a mandate, or obligation to perform transaction execution work unless a separate written engagement is executed.
Frequently Asked Questions
Is Financely a lender?
Financely operates as an advisory firm. We do not lend from our own balance sheet, issue credit approvals, fund loans, purchase securities, or guarantee that any lender will close a transaction. Our role is to structure the transaction, prepare lender-facing materials, identify suitable capital providers, coordinate the process, and help the client move through diligence and term sheet discussions.
The capital provider makes its own decision based on credit appetite, collateral quality, repayment visibility, KYC, KYT, sanctions checks, risk rating, jurisdiction, borrower strength, market conditions, and internal approval rules.
Are you acting as a broker-dealer or placement agent?
Financely does not act as a broker-dealer, securities underwriter, or regulated placement agent. When a transaction involves the offer or sale of securities, Financely coordinates with appropriately licensed third-party professionals responsible for regulated securities activity.
Our permitted role may include structuring support, data room preparation, commercial materials, financial modeling, transaction analysis, issuer support, and coordination with licensed partners. The specific boundary is defined by the engagement letter, transaction type, jurisdiction, and applicable law.
Why does Financely charge fees before funding closes?
Structured finance work requires upfront underwriting, document review, capital stack analysis, financial modeling, lender memo preparation, collateral review, data room organization, mandate coordination, and distribution work. These tasks require real time from finance professionals and, in some cases, third-party specialists.
The retainer or mandate fee pays for the work required to turn a raw transaction into a financeable submission. A lender success fee, where applicable, compensates the closing outcome. The two economics cover different parts of the process.
Does paying Financely guarantee funding?
No. Payment of an RFQ fee, underwriting fee, retainer, mandate fee, or advisory fee does not guarantee financing, credit approval, investment, placement, closing, disbursement, or a specific term sheet. It pays for the agreed advisory scope.
A transaction can fail for reasons outside Financely’s control, including weak borrower credit, unverifiable collateral, incomplete KYC, unsupported valuation, unrealistic leverage, buyer risk, seller risk, title defects, sanctions concerns, jurisdictional restrictions, weak repayment source, poor sponsor contribution, missing permits, defective contracts, adverse diligence, lender capacity limits, or market changes.
Can Financely promise that a capital provider will issue a term sheet?
Financely can prepare and distribute a transaction professionally. Financely can also provide feedback where a transaction is weak, incomplete, mispriced, or outside lender appetite. A capital provider alone decides whether to issue indicative terms, a conditional term sheet, a commitment letter, a facility agreement, or a formal decline.
Serious lender engagement depends on the quality of the submission. Typical decision points include borrower identity, beneficial ownership, use of proceeds, repayment source, asset quality, collateral control, insurance, contracts, permits, offtake, debt service coverage, cash flow timing, and exit route.
Are the case studies proof that my transaction will close?
Case studies are not proof that a new transaction will close. They are redacted examples of prior engagement formats, structuring pathways, documentation processes, diligence issues, and transaction outcomes. A new mandate is judged on its own facts.
Lender appetite depends on the borrower, asset, collateral, jurisdiction, repayment source, contractual strength, sponsor support, leverage, counterparty risk, documentation, market conditions, and diligence findings. A prior case study cannot remove those requirements.
Why are case studies redacted or modified?
Structured finance mandates involve confidential borrower information, lender information, pricing data, contract terms, bank documents, security packages, corporate records, commercial counterparties, and private diligence material. Redaction protects clients, lenders, sellers, buyers, consultants, and transaction counterparties.
Redaction does not make the case study misleading. It means the public version is designed to explain the workstream without exposing confidential or commercially sensitive information.
Can I contact the parties mentioned in a case study?
No, unless Financely gives written permission and the relevant third party agrees. Case studies do not create permission to contact prior clients, lenders, advisers, consultants, sellers, buyers, investors, or counterparties.
Unauthorized contact can breach confidentiality, disrupt lender relationships, create data protection issues, and damage active or prior workstreams.
Do case studies mean Financely acted as principal or lender?
No. A case study may describe advisory, structuring, packaging, diligence, lender engagement, capital raise support, or closing coordination work. It does not mean Financely acted as the lender, investor, issuer, underwriter, guarantor, escrow agent, trustee, broker-dealer, or regulated placement agent.
The actual role depends on the mandate, legal structure, jurisdiction, regulated activity analysis, and written engagement terms.
Why can’t clients just speak with every lender directly?
Some clients can. Many transactions still fail because the borrower approaches the wrong capital provider, submits an incomplete package, misstates the financing ask, presents unsupported collateral, ignores covenants, or cannot explain repayment mechanics in a lender-readable format.
Financely’s role is to package the transaction in the format capital providers expect. This includes the transaction memo, source and use schedule, diligence index, financial model, term sheet logic, collateral narrative, control account mechanics, documentary flow, covenant framing, and risk mitigants.
Are independent specialists employees of Financely?
Some workstreams are handled internally. Other workstreams may be handled by independent consultants, counsel, sector advisers, technical experts, tax professionals, environmental specialists, valuation firms, or regulated partners. The structure depends on the mandate.
Independent specialists remain responsible for their own professional work. Their involvement does not make Financely a law firm, accounting firm, tax adviser, environmental consultancy, valuation firm, securities broker-dealer, or lender.
Does Financely have a physical office for client meetings?
Financely operates primarily through a remote and mandate-specific advisory model. Meetings may be arranged where commercially justified, including field visits, diligence meetings, consultant meetings, management sessions, lender meetings, or closing-related meetings.
Routine calls, preliminary discussions, and unpaid review meetings are not part of the standard process unless the engagement letter or paid consultation scope provides for them. This keeps the process focused on documented transactions rather than speculative conversations.
Why does Financely work through different entities or partners?
Transactions can involve different jurisdictions, counterparties, currencies, regulated activities, financing products, and specialist requirements. The applicable contracting entity, partner, adviser, or regulated party may vary based on geography, scope, licensing considerations, tax treatment, banking rails, client type, and transaction structure.
The engagement letter identifies the contracting party and the scope for that mandate. Clients should rely on the signed documents for the applicable legal relationship.
What happens if a lender declines the transaction?
A decline is a valid outcome in structured finance. Where the engagement scope allows, Financely may reposition the transaction, revise the lender target list, adjust the proposed structure, request additional documents, recommend more sponsor equity, narrow the facility size, change the collateral package, or provide a written explanation of the issues preventing execution.
Some transactions cannot be financed on the terms originally requested. In those cases, the practical answer may be lower leverage, stronger collateral, additional equity, better contracts, improved reporting, verified asset ownership, better offtake, stronger guarantees, or a revised timeline.
Are Financely’s fees refundable if a transaction cannot be financed?
Refund terms are governed by the written engagement letter. As a general commercial principle, fees paid for completed advisory work, underwriting review, transaction packaging, lender engagement, third-party coordination, and process management are typically earned as that work is performed.
Any refund right, credit, deferral, replacement mandate, or partial refund must be stated in writing. Clients should not assume that a paid advisory mandate converts into a funding guarantee.
Can Financely reject a transaction after reviewing it?
Yes. Financely may decline or stop work on a transaction where the documents are incomplete, the facts change materially, the client provides unreliable information, KYC or KYT issues arise, the transaction appears non-compliant, the requested structure is commercially unrealistic, or the mandate falls outside available capital provider appetite.
Common rejection triggers include unverifiable proof of funds, unsupported asset valuations, fabricated banking claims, circular broker chains, weak title evidence, missing offtake, weak borrower equity, unclear beneficial ownership, sanctions exposure, poor source of funds evidence, and transactions requiring regulated activity without the appropriate licensed partner.
Does Financely receive compensation from capital providers?
Financely may receive success-based compensation, advisory fees, referral fees, lender-paid economics, or other commercial compensation where permitted, disclosed, and consistent with the engagement structure. The exact economics depend on the transaction type, jurisdiction, parties, regulated activity status, and written mandate terms.
For securities-related transactions, compensation arrangements must be reviewed through the appropriate regulated pathway. The engagement documents control the economics applicable to each mandate.
Can clients use Financely’s name to approach banks or investors?
Clients may not use Financely’s name, brand, materials, memoranda, term sheet drafts, lender comments, introductions, consultant names, case studies, or partner relationships outside the approved mandate process. Unauthorized use can damage lender relationships, create regulatory issues, and compromise the transaction.
All distribution must be coordinated through the agreed process, with proper version control, confidentiality handling, KYC controls, and documentation discipline.
Can a client rely on something said in a preliminary email or phone call?
Preliminary comments are not binding unless they are incorporated into a written engagement letter, signed term sheet, executed agreement, or formal written commitment from the relevant party. Emails and calls can clarify facts, request documents, explain process, or outline possible structures. They do not replace signed mandate documents.
This protects both sides. Structured finance transactions depend on exact facts, exact documents, exact counterparties, exact dates, exact fees, and exact conditions.
What if a client later claims Financely promised funding?
Financely’s position is straightforward. Funding can only be promised by a party with authority to fund or commit capital, and only through the appropriate binding documentation. Financely’s advisory work can support the path to financing, but it does not create lender approval.
Clients should review the engagement letter, term sheet language, disclaimers, email records, and lender communications before making any allegation about guarantees, commitments, refund rights, or outcomes.
What if a client provides incomplete or inaccurate documents?
Financely relies on the client to provide complete, accurate, current, lawful, and verifiable documents. If the client submits incomplete records, incorrect ownership information, outdated financials, unsupported valuations, defective contracts, false proof of funds, unverifiable collateral documents, or misleading counterparty details, the transaction may be delayed, declined, re-scoped, or terminated.
Lenders and regulated partners may also perform their own diligence and may reject a transaction based on issues discovered after initial review.
Submit A Transaction For Review
If your transaction has a clear borrower, use of proceeds, repayment source, documentation pack, and near-term financing requirement, submit the deal for structured review.
This page describes Financely’s standard engagement model and is provided for informational purposes only. Specific terms applicable to any client relationship are set forth in the executed engagement letter governing that relationship. Financely does not provide legal, tax, accounting, investment, fiduciary, or regulated securities advice through this page. Case studies are redacted examples for general informational context and do not constitute offers, guarantees, commitments, testimonials, references, or assurances of similar results.