For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Financely structures and places short-duration financing and contingent credit support for importers, exporters, commodity traders, manufacturers and contractors. The available route may be a funded bridge or revolving facility, a documentary credit for supplier payment, or a bank undertaking that supports payment, performance or an advance.
Bridge loans and revolving lines provide working capital. Documentary letters of credit support payment against compliant documents. Standby letters of credit and guarantees support defined obligations if the applicant fails to pay or perform. The products may sit inside one broader facility, but they are not interchangeable.
Financely’s role: Independent B2B advisory, facility structuring, underwriting preparation and placement support on a best-efforts basis.
Financely does not lend, issue letters of credit or provide bank guarantees directly. Every facility and undertaking remains subject to third-party underwriting, compliance, collateral, documentation and final approval.
These facilities provide actual working capital for supplier payments, inventory, freight, storage, shipment periods and receivables. They are underwritten around the borrower, the trade cycle, collateral controls and the identifiable source of repayment.
Short-term capital for a defined timing gap between contract execution, supplier payment, shipment, delivery, invoice issuance and buyer settlement. Bridge loans may also cover LC margin, supplier deposits, logistics or a temporary gap before a larger facility closes.
A reusable facility for recurring imports, exports, purchase orders, inventory or receivables. Approved drawings are repaid from buyer collections or sale proceeds, after which availability can be reused for the next eligible trade cycle.
A revolving facility where available credit changes with the value of eligible receivables, inventory, goods in transit or controlled warehouse positions. Advance rates, reserves, concentration limits and borrowing base certificates determine availability.
A committed or discretionary line used for short-duration trade needs such as supplier invoices, freight, customs, inventory purchases and settlement gaps. The structure can include transaction approval conditions and separate sublimits for documentary credits or guarantees.
Letters of credit do not all perform the same function. The correct structure depends on when the supplier must be paid, when the buyer can reimburse the issuing bank, whether an intermediary is involved and whether the beneficiary needs confirmation or early liquidity.
A bank-issued payment undertaking used for genuine import and export transactions. The beneficiary is paid according to the credit terms after presenting compliant documents, while the buyer receives documentary control over the shipment.
Payment is due promptly after the bank determines that the presentation complies with the LC. This structure suits suppliers that require payment without a deferred maturity while the buyer still wants the protection of documentary conditions.
The supplier ships and presents documents, but payment falls due at a future maturity such as 30, 60, 90 or 180 days. The buyer gains time to sell inventory or collect receivables before reimbursing the issuing bank.
A usance payable at sight structure allows the supplier to receive prompt payment while the buyer repays the financing bank later. It can bridge the commercial conflict between a supplier that wants cash at sight and an importer that needs deferred payment.
An LC limit that reinstates or remains available for repeated shipments under an approved program. It can support recurring commodity purchases, inventory replenishment or scheduled deliveries without requiring an entirely new facility for each cycle.
The intermediary receives a master LC from the end buyer and uses it as part of the support for a second supplier-facing LC. Both credits must be aligned carefully because document or timing mismatches can leave the intermediary with an uncovered reimbursement obligation.
A credit expressly marked transferable may be transferred in whole or part to a second beneficiary. It can be simpler than a back-to-back structure when the buyer, supplier and banks accept the transfer mechanics and the intermediary can operate within the original LC terms.
Confirmation adds a second bank's undertaking to an eligible LC. Discounting converts an accepted or deferred LC-backed receivable into earlier liquidity. Both depend heavily on issuing-bank quality, document compliance, tenor, country risk and the beneficiary's rights.
View LC Confirmation and Discounting. Review LC discounting.
These instruments generally support payment, performance or contractual security rather than funding the underlying purchase directly. The beneficiary, trigger, expiry, claim documents and governing rules must match the actual commercial obligation.
A contingent undertaking that may support payment, performance, lease, facility or other defined obligations. Unlike a documentary LC, an SBLC is normally drawn only after the applicant fails to perform the obligation described in the standby.
Protects a seller, supplier or creditor against the applicant's failure to make a payment due under a commercial contract. The guarantee should identify the supported obligation, amount, maturity, claim conditions and expiry.
Supports delivery, completion, quality or other contractual performance obligations. It is commonly used in supply, equipment, infrastructure, construction and procurement contracts where the beneficiary needs recourse if agreed performance is not achieved.
Protects a buyer, employer or project owner that releases money before goods are delivered or work is completed. The amount may reduce as the advance is earned through shipment, delivery or contractual milestones.
Supports a bidder's commitment to sign the contract and provide required post-award security if selected. Tender wording, bid validity, guarantee amount and replacement by a performance guarantee must be coordinated with the procurement documents.
View Bid Bond and Tender Guarantee. Review the related tender guarantee service.
A counter-guarantee supports the bank, insurer, surety or other institution issuing the final guarantee to the beneficiary. It may be relevant when the local issuing side requires additional credit support for an APG, performance guarantee, bid bond, SBLC or bank guarantee.
Some terms describe the legal form, risk enhancement or contract stage rather than a completely separate financing product.
| Structure | Primary purpose | Important distinction |
|---|---|---|
| Irrevocable LC | Provides greater certainty that the credit cannot be amended or cancelled unilaterally. | Most modern documentary credits are issued as irrevocable credits under their stated rules. |
| Deferred-payment LC | Provides payment at a defined future maturity without necessarily using a bill of exchange. | Commercially similar to usance in giving the buyer time to pay. |
| Confirmed LC | Adds a second bank’s payment undertaking to the issuing bank’s obligation. | Used when the beneficiary wants additional bank or country-risk protection. |
| Red-clause or green-clause LC | May permit an advance before final shipment documents are presented. | Requires careful controls because funds may be released earlier in the trade cycle. |
| Retention or warranty guarantee | Supports obligations continuing after delivery or completion. | Often linked to defects, warranty periods or release of retained contract amounts. |
| Customs or duty guarantee | Supports customs, duty, tax or temporary import obligations. | The beneficiary is normally a government or customs authority rather than the trade counterparty. |
We assess the companies, contracts, goods, corridor, shipment cycle and payment terms.
We determine whether the gap requires funded working capital, documentary payment or contingent support.
We organize the credit request, collateral, proposed wording, documents and repayment mechanics.
Qualified mandates are introduced to suitable providers and supported through diligence and documentation.
Provide the requested amount, trade cycle, counterparties, goods, payment method, collateral, beneficiary requirements and documents available. Financely will assess the request and determine the appropriate facility or undertaking for qualified transactions.
It is a financing or credit-support arrangement tied to a defined commercial cycle, usually covering the period between supplier payment, shipment, inventory, delivery, invoicing and buyer settlement.
A bridge loan normally addresses one defined timing or capital gap. A revolving facility is designed for repeat trade cycles and permits approved availability to be reused after earlier drawings are repaid.
Yes. A borrowing base or revolving trade facility may include funded drawings and separate sublimits for documentary LCs, SBLCs or demand guarantees, subject to the lender’s facility terms and collateral calculations.
A usance LC provides payment at a future maturity. Under a UPAS structure, the supplier is generally paid at sight while the buyer reimburses the financing bank at a later date.
No. A documentary LC is normally the primary payment mechanism against compliant trade documents. An SBLC is generally a contingent undertaking drawn if the applicant fails to meet the supported payment or performance obligation.
A performance guarantee supports contractual execution. An advance payment guarantee protects money paid before delivery or completion if the applicant fails to earn or repay the advance according to the contract.
No. Financely provides independent advisory, structuring, file preparation and placement support. Banks, lenders, insurers, sureties and other approved providers make all final credit and issuance decisions.
Financely advises post-revenue businesses on accessing capital by presenting opportunities to professional investors, coordinating when needed with regulated broker-dealers, investment banks, and legal counsel.
We are not a broker-dealer, do not solicit or accept securities orders, serve only B2B clients, and make no assurance of capital-raising outcomes.
For trade finance, project finance, commercial real estate, or business acquisition mandates, submit a request for quote with a concise deal summary and supporting documents.
Our team will review and provide a tailored proposal within 1 to 3 business days.