Effective Date. 13 March 2026. These Terms Of Service apply to structured trade finance, commodity finance, inventory-backed finance, receivables-backed finance, private credit, and related advisory mandates accepted by FG Capital Advisors, unless a signed engagement letter, mandate letter, addendum, or escrow agreement states otherwise.
Structured Trade & Commodity Finance Advisory Terms Of Service
FG Capital Advisors acts as a specialty finance advisory firm. The firm reviews transactions, structures capital solutions, prepares lender-facing materials, coordinates third-party workstreams where needed, and manages execution support through the financing process. It does not hold itself out as a bank, lender, deposit-taking institution, or securities broker-dealer.
Where a transaction requires regulated intermediation, securities placement activity, escrow administration, legal drafting, or jurisdiction-specific specialist input, those functions may be handled by appropriately qualified third parties.
Request A QuoteOverview
These Terms are intended to state, in clear commercial language, how FG Capital Advisors accepts, opens, and executes a client mandate. They are designed to answer the questions that serious clients commonly ask before instruction, while preserving a disciplined operating model for transaction-led advisory work.
The firm is engaged to provide structuring, packaging, coordination, and execution support in connection with financeable commercial transactions. It is not engaged to provide unlimited exploratory consulting, unpaid underwriting, unpaid capital markets strategy, or open-ended review work before a file is formally opened.
It explains the firm’s operating status, file-opening procedure, use of outside specialists, fee treatment, escrow logic, client obligations, execution mechanics, and closing framework.
FG Capital Advisors is a paid specialty finance adviser. It allocates transaction capacity to live mandates. It does not provide complimentary deal architecture or pre-engagement execution work.
These Terms apply together with the applicable engagement letter, mandate letter, proposal, invoice, escrow terms, or addendum. If a signed mandate-specific document conflicts with these Terms, the signed mandate-specific document governs for that transaction.
Firm Status And Scope Of Services
FG Capital Advisors provides specialist advisory services in structured trade finance, commodity finance, inventory-backed structures, receivables-backed structures, private credit coordination, transaction packaging, and lender-facing execution support.
The firm may assist with transaction screening, funding structure design, debt sizing logic, collateral review framing, presentation drafting, underwriting package preparation, lender matching, execution sequencing, and negotiation support as the matter advances toward closing.
The firm is not a lender, not a deposit-taking institution, and not a securities broker-dealer. It does not promise capital from its own balance sheet and does not represent that any third party will approve or fund a transaction.
All services are provided on a best-efforts basis. Financing outcomes remain subject to underwriting, collateral quality, economics, legal review, compliance review, documentation quality, market appetite, and final acceptance by third-party capital providers or intermediaries.
Not every enquiry proceeds into a full execution mandate, and not every mandate includes every service line. The precise scope is always defined by the signed commercial document issued for that file.
Onboarding And Standard Operating Procedure
The firm follows a formal intake and file-opening procedure. This is deliberate. It ensures the transaction is real, the client has authority, the documentation base is usable, and resources are allocated only after the commercial framework is in place.
| Stage | What Happens | What Does Not Happen |
|---|---|---|
| 1. Initial Enquiry | The firm reviews the headline requirement, identifies the likely transaction category, and determines whether the matter appears commercially relevant. | No file is opened. No underwriting opinion, lender outreach, structuring memo, or execution commitment is created at this stage. |
| 2. Intake Or RFQ | The client may be asked to complete a form, provide baseline transaction documents, disclose counterparties, and in some cases pay an RFQ fee or consultation fee. | Submission of information alone does not trigger full work. The firm is not yet obligated to package or distribute the transaction. |
| 3. Engagement | If the matter is commercially suitable, the firm may issue an engagement letter, mandate letter, proposal, quotation, or invoice setting out the commercial terms. | No execution obligation arises until the relevant commercial terms are accepted and the required payment arrangements are satisfied. |
| 4. File Opening | The file opens only after onboarding conditions are satisfied and the required retainer, RFQ fee, or escrow amount has been received in cleared funds. | No substantive execution work begins before cleared funds and a formally opened file. |
| 5. Structuring And Packaging | The firm reviews the materials, refines the transaction positioning where needed, prepares lender-facing or investor-facing documentation, and coordinates any specialist workstreams required for execution readiness. | This phase does not guarantee indications, approvals, term sheets, or financial close. |
| 6. Market Approach And Execution | The firm approaches relevant counterparties directly or through approved channels, coordinates responses, supports negotiations, and advances the mandate through the process toward closing. | The firm does not control third-party appetite, legal decisions, credit committee outcomes, or timelines outside its control. |
| 7. Closing | If the transaction proceeds, the firm supports the final coordination phase through closing mechanics as set out in the mandate. | Closing is never automatic and remains subject to documentation, conditions precedent, compliance, and counterparty sign-off. |
Work begins only once the file is formally open. For the avoidance of doubt, emails, exploratory calls, preliminary comments, or document submissions do not by themselves constitute file opening or commencement of a paid execution mandate.
Where a matter proceeds, the firm continues to coordinate the file until either closing, formal decline, commercial withdrawal, expiry of the mandate, or suspension due to non-performance, non-payment, non-cooperation, or a material change in the transaction profile.
Fees, Retainers, Escrow, And Release Logic
Depending on the transaction, fees may include an RFQ fee, consultation fee, retainer, packaging fee, structuring fee, distribution fee, extension fee, success fee, or other mandate-specific charges stated in writing.
Unless expressly stated otherwise in the relevant commercial document, upfront fees are non-refundable. They secure transaction capacity, analyst time, structuring effort, review resources, work product preparation, and execution allocation.
A retainer reserves internal capacity and authorizes the firm to commit resources to the file. It is not a deposit against a guaranteed financing result.
Where agreed, funds may be held through an independent escrow provider or legal counsel, with release conditions tied to defined milestones in the engagement or escrow terms.
Where escrow is used, release mechanics may be linked to steps such as file opening, initial review, structuring completion, packaging delivery, initial market approach, execution support, or other objectively defined milestones. The governing milestone language is the one stated in the signed escrow arrangement or mandate letter.
The firm does not operate on the basis that a prospect may consume structuring, packaging, execution setup, and advisory effort first and decide later whether payment is appropriate. The commercial framework must be agreed before the file is worked.
Client Eligibility, Obligations, And Conduct
The firm is intended for commercial clients with a real transaction, a defined financing requirement, usable documentation, and authority to proceed if terms are acceptable.
The client must provide information that is accurate, current, and not misleading. This includes transaction documents, financial statements, corporate records, ownership information, counterparty details, collateral information, contracts, invoices, logistics details, repayment logic, and any other materials reasonably requested for execution.
- Provide complete and accurate supporting information.
- Confirm authority to engage the firm and disclose materials.
- Respond to information requests in a commercially reasonable timeframe.
- Pay the agreed fees or fund escrow as instructed.
- Notify the firm promptly of material changes to the transaction.
- Requests for guaranteed approvals or guaranteed lender issuance.
- Open-ended requests for unpaid transaction design.
- Speculative or incoherent mandates lacking commercial substance.
- Misleading disclosures, missing authority, or weak documentation.
- Abusive, evasive, or persistently bad-faith conduct.
By approaching the firm, the prospect represents that it has a genuine commercial requirement, a real transaction under review, authority to retain professional services if terms are acceptable, and no intention to extract structuring logic, introductions, or work product without payment.
Execution, Outsourcing, Third Parties, And Closing Support
Structured finance transactions are multi-party matters. Depending on the mandate, execution may involve lenders, credit funds, escrow agents, lawyers, compliance providers, collateral managers, warehouse operators, insurers, inspectors, technical consultants, local advisers, licensed placement agents, or other specialist participants.
The firm may outsource, delegate, or subcontract portions of a file where this is commercially sensible, technically necessary, jurisdictionally required, or required for regulated workstreams.
These may include legal drafting, escrow administration, compliance and sanctions review, data-room support, financial modelling, technical review, collateral control input, translation, market intelligence, local jurisdiction support, specialist underwriting review, placement support, and regulated securities intermediation where required.
The firm does not control third-party underwriting decisions, internal credit policy, committee outcomes, legal conclusions, market appetite, counterparty performance, commodity price movements, or regulatory objections. Delays or refusals by third parties do not constitute a breach by the firm.
The client may not bypass the firm by using its introductions, market pathways, structuring concepts, transaction materials, or execution logic to avoid paying the agreed fees. Unauthorized use of the firm’s work product, introductions, or transaction architecture constitutes a material breach.
If a transaction progresses to the point of commercial acceptance, the firm may support the matter through document coordination, issue management, closing preparation, and interface support with the relevant counterparties, as defined by the mandate. Closing remains subject to conditions precedent, final documentation, and third-party sign-off.
Frequently Asked Questions
Is FG Capital Advisors a lender, bank, or securities broker-dealer?
No. FG Capital Advisors is a specialty finance advisory firm. It structures, packages, and coordinates transactions on a best-efforts basis. It is not a lender, deposit-taking institution, or securities broker-dealer. Where regulated activity is required, appropriately licensed third parties may be engaged.
When does a client file actually open?
A file opens only after the relevant engagement document is accepted, all onboarding requirements are satisfied, and the required retainer, RFQ fee, or escrow amount has been received in cleared funds. Submission of an enquiry or documents alone does not open a file.
What happens after onboarding is complete?
Once the file is open, the firm allocates resources, reviews the transaction package, refines the proposed capital structure where necessary, prepares lender-facing materials, coordinates specialist input, and progresses the matter through execution toward indications, negotiation, and closing.
Can the firm answer process questions before engagement?
Yes. The firm may answer reasonable factual questions about its status, operating model, mandate structure, and onboarding sequence. What it does not provide before engagement is unpaid underwriting, unpaid market sounding, unpaid detailed structuring advice, or open-ended deal engineering.
Can parts of the mandate be outsourced or handled by third parties?
Yes. Depending on the transaction, the firm may involve outside legal counsel, escrow agents, compliance providers, analysts, technical experts, local advisers, collateral specialists, licensed placement agents, or regulated broker-dealers.
Are upfront fees refundable?
Unless expressly stated otherwise in writing, upfront fees are non-refundable. They secure transaction capacity, underwriting review time, structuring resources, work product preparation, and execution allocation.
Does the firm guarantee financing, lender term sheets, or closing?
No. All mandates are handled on a best-efforts basis and remain subject to underwriting, transaction quality, documentation, collateral review, legal review, compliance checks, market appetite, and acceptance by third-party capital providers or intermediaries.
Does the firm work on a file until closing?
If the file is formally opened and remains active, the firm works the mandate through the execution process until closing, formal decline, mandate expiry, withdrawal, or suspension caused by non-payment, non-cooperation, material changes, legal obstacles, or third-party refusal outside the firm’s control.
Can the client use the firm’s materials or introductions outside the mandate?
No. The client may not use the firm’s work product, market access, or structuring pathway to avoid fees or route the same transaction around the firm.
Legal Terms
Confidentiality And Disclosure
The firm will treat client materials as confidential, subject to ordinary execution requirements. The client authorizes the firm to disclose relevant information on a need-to-know basis to counterparties and service providers involved in the mandate, including legal counsel, escrow agents, analysts, compliance providers, lenders, broker-dealers, placement agents, and technical specialists where reasonably required for execution.
No Guarantee And No Lending Commitment
Nothing on this page or in pre-engagement communication constitutes a lending commitment, securities placement commitment, underwriting approval, or assurance of closing. All financing outcomes remain subject to third-party decision-making and transaction suitability.
Suspension Or Termination
The firm may suspend or terminate a matter where the client fails to cooperate, delays payment, withholds material information, changes the transaction repeatedly, behaves abusively, becomes commercially unreasonable, or otherwise undermines execution. Suspension or termination does not waive fees already earned or due.
Limitation Of Liability
To the fullest extent permitted by law, the firm is not liable for indirect loss, consequential loss, lost profit, lost opportunity, market movement, lender refusal, committee refusal, counterparty default, commodity price change, FX volatility, title defects, sanctions issues, or third-party execution failures beyond its control.
The firm’s aggregate liability, if any, shall be limited to the amount of upfront fees actually received by the firm under the relevant mandate, unless a signed mandate-specific document expressly states otherwise.
Governing Law And Dispute Resolution
The governing law for a given mandate may be stated in the relevant engagement document. Unless otherwise agreed in writing, any dispute arising out of or in connection with these Terms or the related mandate shall be finally resolved by arbitration under the LCIA Rules, with London, England as the seat of arbitration and English as the language of arbitration.
Acceptance
A client accepts these Terms by signing an engagement letter, accepting a mandate, paying an RFQ fee, paying a retainer, funding escrow, instructing the firm to proceed, or otherwise taking any step that objectively indicates acceptance of the commercial terms on which the file is to be handled.
These Terms are intended to create a professional and transparent framework for serious commercial mandates. They are not intended to be antagonistic. They are intended to define, with precision, when a file opens, what the firm does, what it does not do, and how execution is managed through the life of a mandate.
If you require a structured trade or commodity finance advisory mandate and understand that execution begins only after formal onboarding and cleared funds, submit the transaction for review.
Submit For ReviewDisclosure. FG Capital Advisors provides advisory and execution support services on a best-efforts basis only. Engagement remains subject to commercial acceptance, KYC and AML review, documentation readiness, fee payment, and the final terms stated in the relevant mandate-specific documents. Nothing on this page creates a lending commitment, a securities placement commitment, or a guarantee of financing outcome.
