Bank Instrument Procurement Advisory

1. Why Credible Instruments Matter

Letters of credit and guarantees are only as strong as the balance sheet behind them. A top-tier buyer will not load cargo or award a contract on the back of an NBFC letterhead. They want an MT-formatted message from a bank that passes their compliance filter. You either deliver that—or you lose the deal. We source instruments from investment-grade banks, subject to full underwriting, so counterparties stop questioning your payment capacity and start moving product.

2. Instruments We Arrange

• Commercial Letters of Credit – Sight or usance, MT700 / MT710.
• Back-to-Back & Front-to-Back LCs – For traders bridging supplier and end-buyer documents.
• Transferable & Divisible LCs – Pre-advise via MT705, final issuance once sub-seller terms clear.
• Standby Letters of Credit – MT760 issuance, MT799 pre-advice where required.
• Bank Guarantees – Bid, performance, advance-payment, retention, financial, and security guarantees (MT760).
• Bank Comfort Letters (BCL) – Balance-sheet assurance for suppliers before formal LC.
• Ready-Willing-Able Letters (RWA) – Credibility signal before negotiating bulk contracts.
• Blocked Funds & Proof-of-Funds – SWIFT confirmations for escrow or regulatory filings.

3. Our Five-Step Process

3.1 Deal Evaluation

We collect the commercial contract, buyer and seller details, shipment schedule, Incoterms, and all supporting financials. If numbers do not pencil out, we say so upfront.

3.2 Underwriting File Build

We draft the credit pack banks actually want: audited statements, trade history, collateral, insurance, and compliance checks. No filler slides—just data that clears credit desks.

3.3 Term-Sheet Negotiation

Issuing and confirming banks outline face value, tenor, draw conditions, fees, and collateral. We fight for realistic clauses so you are not handcuffed by impossible wording.

3.4 Documentation & SWIFT

Once fees hit escrow and conditions precedent are met, the bank releases MT700, MT705, MT760, or MT799 messages over SWIFT. We track every tag so nothing stalls in compliance.

3.5 Post-Issuance Support

Shipment delayed? Need an amendment or extension? We stay on the file until the instrument expires clean or is cancelled without a claim.

4. Pricing Tiers

Tier	Advisory Fee (USD)	Best For	What You Get
Tier A – Quick Issue	15 000	Single LC or guarantee ≤ USD 5 m	Deal feasibility review One issuing bank application Term-sheet negotiation SWIFT monitoring until issuance
Tier B – Structured Portfolio	35 000	Multiple instruments up to USD 20 m aggregate	Everything in Tier A Collateral structuring or credit insurance layering Confirming bank search Two post-issuance amendments covered
Tier C – Complex Flows	65 000+	Back-to-back or syndicated instruments ≥ USD 20 m	Everything in Tier B Multi-jurisdiction compliance mapping On-site collateral manager coordination Ongoing monitoring until instrument expiry

Bank issuance, confirmation, and amendment fees are always pass-through. We never collect them—your money goes straight to the bank.

5. Engagement Flow

• Inquiry Call (15 min) – We sanity-check the deal and pick a tier.
• Mandate & Retainer – Engagement signed, invoice issued, KYC begins.
• Data Pack Upload – Contracts, pro forma, and financials land in our secure portal.
• Bank Matching – We shortlist two to five issuing banks based on jurisdiction, instrument type, and ticket size.
• Term-Sheet Round – We hammer out wording, fees, collateral, and expiry.
• Issuance – You wire bank fees. SWIFT flies. Counterparty sees a live message, not a PDF promise.

6. Quick FAQ

Can you deliver in 48 hours?

No. Real banks do real underwriting. Expect 10–14 days from full data pack to SWIFT for straightforward cases.

Do you use leased or monetised instruments?

We only arrange bank-issued instruments tied to genuine trade or project deals. No leased SBLC schemes, no “BG monetisation” pitches.

Can you guarantee approval?

Approval rests with the bank’s credit committee. We stack the odds by submitting solid data, but any advisor promising certainty is selling smoke.

Do you work with buyers and sellers in sanctioned jurisdictions?

No. We screen every party. If the deal touches restricted entities or routes, we walk.

Can the advisory fee roll into a success fee?

Part of Tier B and Tier C retainers can credit against success fees on issuance. We discuss structure during mandate.

Financely Group arranges trade-finance instruments issued by regulated banks. We do not issue, lease, or monetise instruments ourselves, and we are not a deposit-taking bank. All mandates require KYC, sanctions screening, and advisory retainers. Final approval, pricing, and issuance timing depend on bank underwriting, collateral strength, and compliance clearance. Misrepresentation or missing data can kill a deal and will trigger mandate termination and AML/CTF reporting.