We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
“Bank guarantee cost” is rarely a single number. The number you pay depends on the type of guarantee, the rule set and jurisdiction, the applicant’s credit strength, the corridor risk, and whether the beneficiary requires a local issuer, confirmation, or fronting. If you want to compare a guarantee to a standby, read SBLC vs bank guarantee first. It changes how you think about pricing.
The cost of a bank guarantee is typically a mix of (1) an annual commission on the face amount, billed quarterly or annually, plus (2) one-off bank charges and legal costs. The largest hidden driver is collateral. If you are cash-margined at 100%, your true cost is the commission plus the opportunity cost of trapped liquidity. If you are not cash-margined, the bank will price the credit risk and impose covenants and controls. For standby pricing benchmarks, see SBLC cost.
A bank guarantee is a bank’s undertaking to pay the beneficiary on a complying demand under the guarantee terms. In many cross-border transactions this takes the form of a demand guarantee (often aligned with URDG 758 in practice), while public tenders may impose domestic forms, language requirements, stamps, or a “must be issued by a local bank” condition. Those constraints drive pricing because they drive execution complexity and which issuers are acceptable.
Related: how bank-grade files are prepared in a trade finance underwriting memo.
Related: SWIFT delivery mechanics around standby instruments via MT760 and authenticated correspondence via MT799.
These bands are indicative. Real quotes tighten quickly once the bank sees the applicant, the beneficiary, the guarantee text, and the corridor. Standby pricing behaves similarly, so the SBLC benchmark page helps anchor expectations: How much an SBLC costs.
| Fee element | Typical range or practice | What moves it |
|---|---|---|
| Issuance commission | 0.50% to 3.50% per annum on face amount, billed quarterly in advance (common) | Applicant strength, tenor, corridor risk, beneficiary profile, claim mechanics |
| Minimum annual fee | Often USD 1,000 to 7,500 per instrument per year | Small faces or short tenors where banks apply minimum economics |
| Fronting fee | 0.10% to 0.50% per annum (plus extra ops and legal) | Local bank required; the front bank takes local compliance and delivery obligations |
| Confirmation fee | 0.50% to 2.50% per annum (if a confirming bank is added) | Country risk, issuer quality, beneficiary demand for a second bank on risk |
| Advising / SWIFT charges | USD 75 to 400+ per message/event depending on corridor | Number of amendments, message traffic, advising bank tariffs |
| Drafting / legal review | USD 500 to 3,000+ (higher for bespoke texts) | Performance triggers, complex conditions, local-law forms, multi-bank structures |
| Amendments | USD 150 to 500+ per amendment plus pro rata commission for increases/extensions | Text changes, extensions, increases, beneficiary template changes |
| Facility / line fee | 0.25% to 1.00% per annum on unutilised limit (if under a committed line) | Committed limit economics, bank relationship, utilisation expectations |
Pricing conversations collapse into one question: how much collateral does the issuer require? Strong corporates can sometimes obtain unsecured issuance with covenants and cash management. Mid-market applicants are often asked for a partial cash margin or liquid collateral. Thinly capitalised applicants may be asked for a full cash margin, a counter-guarantee, or additional security.
If you are trying to fund margin, this is where structured working capital and credit enhancement matters. Start with the SBLC economics overview: SBLC cost and collateral.
Expect a real underwriting file. If your package is weak, you will burn time. See what a lender-ready pack looks like: trade finance underwriting memo.
A “must be issued by a local bank” clause often forces a fronting structure: a local bank issues the guarantee and is backstopped by another bank through a counter-guarantee or risk participation. This usually increases cost because you are paying for extra balance sheet, extra legal work, and extra operational points of failure. If the contract allows a standby as an alternative, you may be able to simplify. Compare structures in SBLC vs bank guarantee.
Fronting is not “bad.” It is sometimes the only workable solution. The mistake is treating it like a standard issuance and budgeting only for the headline commission.
If the bank cannot examine compliance objectively, the text becomes hard to approve and hard to process. That triggers rewrites, extra legal, and slower issuance.
Vague evergreen clauses and unclear reduction schedules create operational risk. Banks respond with stricter conditions and heavier collateral requirements.
If the beneficiary has a mandatory template and you ignore it, you pay twice: once for drafting, again for rewrites and amendment charges.
Authenticated SWIFT messages like MT799 support closing sequences, but they do not replace the binding instrument. Treating them as “the product” is a dead end.
Banks price certainty. The best way to avoid wildly changing quotes is to provide a complete, coherent file:
If someone is pitching “no upfront fee issuance” or “paper you can monetize,” your cost estimate is irrelevant because the structure is not real. Read why that pitch fails.
Often the annual commission is billed quarterly in advance on the outstanding face amount. Some banks bill annually. Minimum fees are common.
Clean files can move in 7 to 15 business days. Local issuer requirements, fronting, bespoke texts, and complex beneficiaries can push timelines into 10 to 25 business days or more. The same pattern applies to standby issuance. See SBLC timelines and costs.
Sometimes. It depends on the contract and beneficiary acceptance rules. Start with SBLC vs bank guarantee.
Collateral requirements and issuer acceptance rules. The quote tightens only when the bank has the real contract requirement, the beneficiary template, and a full underwriting file.
If you have a live contract or tender requirement, we can review feasibility, map the beneficiary requirements, and revert with an issuance route and pricing assumptions. Share your contract clause, amount and tenor, beneficiary template (if any), and your latest financials.
Disclaimer: This page is for general information only. It is not legal advice and not a commitment to arrange or provide any guarantee or financing. Financely is not a bank and does not issue guarantees or SBLCs. Any issuance is subject to eligibility, beneficiary acceptance, full KYC and AML review, sanctions screening, credit approval, and definitive documentation by regulated counterparties.
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All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
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Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
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Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
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Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
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