Notice. FG Capital Advisors is a trade and capital advisory firm with a focus on carbon, commodities, and structured credit. The firm provides financial modelling, analytical support, and sponsor side advice around commodity finance, trade facilities, and related capital structures. FG Capital Advisors is not a bank, lender, credit insurer, broker dealer, or retail investment adviser and does not issue loans, guarantees, or insurance products. Any facility, guarantee, derivative, or investment is provided by regulated counterparties under their own licences and documentation. All potential transactions are subject to KYC and AML checks, sanctions screening, credit and investment committee decisions, independent legal and tax advice on the client side, and formal agreements with those regulated entities.
Proof of Funds Service
In serious commercial transactions, counterparties often need a clean, credible signal that a buyer, sponsor, or trading principal has the financial capacity to execute. This is especially common in commodities, large equipment supply, project contracting, and acquisition settings where time is short and reputational risk is high.
FG Capital Advisors supports commercial proof of funds requests by structuring the file and coordinating with regulated counterparties for appropriate evidence formats such as a Bank Comfort Letter (BCL), SWIFT MT199 or MT799 messaging where suitable, or a CPA letter. This service is for commercial purposes only.
Request Proof of Funds ReviewWhat Proof of Funds Means In A Commercial Context
Proof of funds is not a single universal document. It is a category of evidence used to confirm financial capacity for a defined transaction with a defined counterparty, under a defined timeline. The format and credibility depend on the institution issuing it, the wording, and the supporting KYC and transaction file.
- It is typically used to clear preliminary counterparty concerns before a contract, tender award, allocation, or seller exclusivity.
- It can support a buyer or sponsor position during competitive processes where sellers filter for serious parties.
- It can be required as a condition to proceed to the next step of documentation, not as a substitute for full underwriting.
The strongest proof of funds approaches are those that are specific, verifiable, and consistent with a legitimate transaction structure.
Evidence Formats We Support
Depending on the transaction profile and counterparty requirements, proof of funds may be supported through one of the following commercial evidence routes, always subject to regulated counterparty review and their own issuance standards.
- Bank Comfort Letter (BCL) used to communicate that a bank relationship exists and that the client appears positioned to pursue a defined transaction, subject to the bank’s internal processes and conditions.
- SWIFT MT799 a bank-to-bank message that can be used to convey structured intent or readiness on specific commercial terms, depending on the bank’s policy.
- SWIFT MT199 a free-format bank-to-bank message often used for clarifications or supporting communications around an existing banking relationship or transaction context.
- CPA Letter an accountant’s confirmation of financial statements, balances, or financial position based on agreed scope and professional standards.
The right option depends on what the counterparty actually needs to see, and what a regulated institution is willing to state under its policies.
Common Commercial Use Cases
Proof of funds requests are most legitimate when they are tied to a real commercial purpose with a clear next step, not a vague demand for generic “financial proof.”
- Commodity purchase and offtake negotiations where sellers require capacity evidence before allocating volume or confirming pricing windows.
- Pre-qualification in large supply contracts for industrial goods, energy inputs, or infrastructure-linked procurement.
- Project sponsor credibility checks when bidding for EPC packages, concession awards, or strategic joint ventures.
- Commercial real estate acquisitions where sellers request buyer capability confirmation prior to exclusivity or deeper due diligence.
- Mergers and acquisitions processes where a buyer seeks to demonstrate readiness to close alongside a defined financing plan.
- Trade finance and working capital discussions where a counterparty needs comfort that the proposed transaction size is realistic.
In each case, the evidence should map to the transaction size, structure, and timeline in a way that makes commercial sense.
What These Documents Are Not
This is where many counterparties and intermediaries get confused. Proof of funds is not a replacement for credit approval, and it is not a promise of immediate cash without conditions.
- A BCL is not a funded commitment or a guaranteed facility.
- MT199 and MT799 messages do not automatically equal an obligation to lend or pay. They are communications whose weight depends on the issuing bank and the context.
- A CPA letter is not a bank instrument and does not create payment undertakings.
If your counterparty demands wording that implies unconditional funding without a proper transaction file, you should expect regulated institutions to reject or narrow that request.
How FG Capital Advisors Supports The Process
Our role is advisory and structuring-led. We help clients build a credible file and align the evidence format with what regulated counterparties can legitimately provide.
- Review of the commercial transaction context, including size, product or asset, counterparty profile, and timeline.
- Assessment of the most appropriate evidence route based on the counterparty’s requirement and institutional policy reality.
- Preparation of a concise briefing pack that supports bank or professional services review.
- Coordination with regulated counterparties for issuance where appropriate, under their own KYC, compliance, and documentation standards.
You get clear guidance on what is feasible, what wording is realistic, and what steps will convert proof of funds into an executable financing or transaction pathway.
Information Typically Required
Proof of funds is only credible when it is supported by a clean commercial narrative and compliant onboarding. A lightweight but serious package usually includes:
- Corporate KYC documents, ownership details, and signatory information.
- A short transaction summary covering purpose, size, counterparty, and timeline.
- Supporting documents such as a draft contract, tender notice, term sheet, PSA, LOI, or offtake outline where relevant.
- Financial statements or supporting evidence required by the regulated counterparty or CPA scope.
- Clarity on the exact wording or format requested by the beneficiary or seller.
If a request is too vague, too broad, or not anchored to a real commercial step, credibility drops fast.
Serious counterparties do not want noise. They want a clean signal that you can execute. A properly structured proof of funds approach can shorten negotiation cycles, protect your position in competitive processes, and clear the way for real documentation and real financing.
Share your use case, the counterparty requirement, and any draft documents. We will advise on the most credible proof of funds route, the right evidence format, and the regulated issuance pathway where appropriate. This service is for commercial purposes only.
Submit Proof of Funds EnquiryDisclosure. FG Capital Advisors provides financial modelling, analytical, and advisory services. The firm does not originate, offer, or sell securities, loans, deposits, guarantees, or insurance products and does not accept client money. Any commodity finance facility, trade line, guarantee, derivative, or investment product referenced on this page is carried out by regulated entities under their own licences, terms, and documentation. Commodity finance and related structures involve credit, performance, operational, legal, market, and policy risk. Nothing on this page is a recommendation or a solicitation to enter into any transaction or to buy or sell any financial product. Any engagement with FG Capital Advisors is subject to internal approval, conflict checks, KYC and AML checks and sanctions screening where required, and the terms of a formal engagement letter.
