Digital Letters of Credit & Bank Guarantees for Banks
Digital Letters of Credit & Bank Guarantees for Banks
We help banks issue, advise, confirm, and manage Letters of Credit and Bank Guarantees in digital form—aligned to established rule sets—with straight-through document handling and clear audit trails. Beyond tooling, we also source qualified transactions that require LC/BG support across solar, project finance, Commercial Real Estate, and trade finance. You get compliant workflows and a vetted pipeline you can underwrite.
Fewer document disputes, faster presentations, cleaner SWIFT/ISO message mapping, and an origination stream of high-quality deals that match your credit box.
Standards we work with
| Standard / Rule set | Scope | Digital angle |
|---|---|---|
| UCP 600 + eUCP v2.0 | Documentary credits | Electronic presentation, data sets, five-day examination still applies |
| ISP98 | Standby LCs | Electronic records and partial drawings supported by text rules |
| URDG 758 | Demand guarantees | Digital document handling with clear demand conditions |
| URDTT 1.0 | Digital trade transactions (data-led) | Data-set based undertakings and e-presentation logic |
| MLETR(Model Law on Electronic Transferable Records) | Legal basis for electronic originals | “Control” and “singularity” for e-originals where adopted |
| SWIFT MT7xx ⇄ ISO 20022 mapping | LC/BG messages and status | Coexistence with MT; mapping where available; clean reference data |
What we provide (modules)
| Module | What it does | Why banks use it |
|---|---|---|
| e-Issuance & Amendments | Template library by rule set; clause control; approval routing | Fewer drafting errors; faster turnaround |
| e-Presentation & Checking | File + data capture; rule-aware checks; discrepancy tagging | Lower dispute rates; consistent exam notes |
| Beneficiary & Applicant Portals | Guided uploads; status; remark trails | Fewer emails; clearer expectations |
| Sanctions, KYC, and Screening Hooks | Batch checks on parties, ships, and routes | Faster compliance sign-offs |
| e-Sign & Evidence | X.509 / eIDAS-aligned signatures; tamper-evident PDFs | Non-repudiation; clean audit |
| Archiving & Audit | Immutable logs; retention policies; export | Internal audit and regulator-ready records |
| APIs & Message Mapping | Events, statuses, data fields mapped to MT/ISO as needed | Straight-through posting to core and trade systems |
A qualified pipeline you can underwrite
| Vertical | Typical instruments | Minimums we enforce before you see the deal |
|---|---|---|
| Solar & Energy (EPC / IPP) | SBLC (payment/performance), advance payment guarantees, LC for components | PPA/EPC in place, sponsor equity funded, permits tracked, schedule and LDs clarified |
| Project Finance | Performance bonds, standby LCs for DSRA top-ups, offtake-linked LCs | Base model, covenants grid, construction security package, independent reports pathway |
| Commercial Real Estate | Standby LCs for leases/letters of credit, completion guarantees | DSCR/LTV thresholds, rent roll quality, sponsor cash in, legal clean-up plan |
| Trade & Commodities | DCs (UCP/eUCP), SBLCs (ISP98), BGs (URDG), confirmations, avals | Contract trail, brand/spec, WR/operator for inventory, hedging/TCI strategy where relevant |
How it works with your bank
| Step | Bank team | Our role | Output |
|---|---|---|---|
| 1) Set-up | Trade, ops, tech, compliance | Rule-set templates, approval paths, message mapping, retention rules | Configured instance; test cases |
| 2) Pilot | Selected RM/structurer + doc exam team | Shadow checks, live presentations, exception log | Agreed playbook for exams and clauses |
| 3) Go-live | BAU trade ops | Monitoring, staff refreshers, clause updates | Measured turn-times and dispute rates |
| 4) Deal flow | Origination / credit | We feed qualified LC/BG opportunities to your team | Term sheets and approvals move faster |
Risk and operations controls we enable
| Control | Purpose | Example |
|---|---|---|
| Clause library by rule set | Reduce ambiguity | URDG 758 compliant demand wording; eUCP data set pointers |
| Maker–checker everywhere | 4-eyes on drafts, exams, amendments | Role-based approvals with full trace |
| Sanctions & name screening hooks | Prevent prohibited flows | Auto-checks on parties and vessels with evidence |
| Data validation | Cleaner messages | Field lengths, codes, and references checked pre-send |
| Retention & evidence | Audit and regulators | Immutable logs; export by case, period, or counterparty |
Connecting to your core
| Option | What moves | Notes |
|---|---|---|
| File drops / SFTP | Statuses, PDF packs, data extracts | Low-friction, fast to set-up |
| APIs | Events and fields for issuance, amendments, and presentations | JSON; throttling and retries standard |
| Message mapping | MT7xx and available ISO 20022 trade messages | Coexistence with current SWIFT set-up |
Eligibility for deal flow
| Filter | Baseline |
|---|---|
| Counterparty | Post-revenue clients; clean governance; decision-makers active |
| Purpose | Clear contract trail (EPC/PPA, SPA, lease, or offtake) |
| Jurisdiction | Bankable legal regime; enforceable security |
| Documentation | Drafts ready; acceptance criteria defined; inspection path identified |
| No-go | “Pay from proceeds,” broker chains, or “lease an SBLC” requests |
We keep to the rule books, reduce avoidable discrepancies, and bring real transactions that fit credit policy. Your teams get cleaner documents and a steady pipeline, not noise.
Want digital LC/BG workflows that match UCP/eUCP, ISP98, and URDG—plus a supply of underwrite-ready deals? We’ll configure a short pilot with your trade and ops teams, then open the pipeline.
Schedule a PilotFAQ (bank-facing)
| Question | Answer |
|---|---|
| Do you replace our trade platform? | No. We sit alongside your current stack. We supply templates, e-presentation, checks, and a qualified deal stream. |
| Can we restrict the pipeline to certain sectors or sizes? | Yes. We’ll tune by sector, country, tenor, currency, and ticket size. |
| How do you handle e-originals? | eUCP/evidence packages, plus MLETR-aligned control where available. We keep full audit and hash-based evidence of files. |
| What about signatures? | X.509 and eIDAS-aligned options with certificate logs stored per case. |
| Who owns the client? | You do. We arrange, you underwrite and book. We operate on a best-efforts basis. |
Financely Group is an advisor and arranger. We are not a bank and do not issue instruments. All activity is subject to your bank’s policies, KYC/AML, sanctions screening, and legal review. Pipeline visibility and message mapping are configured per bank. No guaranteed outcomes; all transactions remain subject to underwriting.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestProject Finance
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestAcquisitions
Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
