How to Package a Bank-Ready Trade Finance File in 72 Hours

How to Package a Bank-Ready Trade Finance File in 72 Hours

How to Package a Bank-Ready Trade Finance File in 72 Hours

Credit teams say yes to control, clean paper, and cash that returns on time. You have 72 hours. This is the exact plan to assemble a file that banks can approve without a circus.

Outcome: a lender-grade pack with contract, payment route, collateral control, insurance, cash waterfall, covenants, and a closing checklist tied to shipment dates.

Who This Works For

You have a real deal
Executed or near-final SPA or PO, named counterparties, and dates that are not fantasy.
You accept controls
Title control, named warehouse or terminal, insurer endorsements, and a controlled account.
You can hedge
Price and FX hedges matched to tenor. No brave bets with lender money.
Clean KYC
UBO, sanctions, and permits are in order. If not, fix that first.

72 Hour Timeline To a Bankable File

Window Actions Owner Deliverable
Hours 0 to 24 Lock SPA or PO. Pick payment route LC, UPAS LC, SBLC, or insured OA. Pre clear issuer or confirmer names with counterparty. Book warehouse or terminal slot and name a collateral manager. Order insurance binder and loss payee endorsements. Commercial, Ops, Insurance Contract pack, bank acceptability email, storage terms, binder with endorsements
Hours 24 to 48 Draft LC or SBLC wording under UCP 600 or ISP98. Set fee splits. Draft CMA and account control. Build cash waterfall and reporting cadence. Load hedge orders matched to tenor. Prepare KYC and sanctions file. Trade Finance, Legal, Treasury Wording pack, CMA draft, ACA draft, hedge tickets, full KYC
Hours 48 to 72 Run a dry test of releases and cash sweep. Finalize borrowing base rules. Assemble the credit memo and document index. Lock dates with banks. Send the full file to lenders. Finance, Ops, Lender Liaison Bank-ready pack with timeline to issuance or first draw

Pick the Right Payment Route Fast

Route Use when What credit wants to see
Confirmed LC Seller needs bank risk removed UCP 600 wording, nominated bank, fee splits, confirmation quote
UPAS LC Seller wants sight cash and you need tenor UPAS clause, discount terms, reimbursement route, FX hedge
SBLC to beneficiary Performance or payment standby is required ISP98 wording, step downs, collateral or pledges, monitoring
Insured open account Trusted buyers with short tenor Policy draft, limits, assignment rights, lockbox for AR

Document Pack Lenders Expect

Document Why it matters Status by 72h
SPA or PO with addenda Defines exposure and milestones Executed or final redline
LC or SBLC draft or policy draft Confirms payment route and bank roles Bank-marked draft
Storage and CMA terms Gives control over physical stock Signed or issuer template agreed
Insurance binder and endorsements Protects value during finance Issued with loss payee to lender
Cash waterfall and ACA Proves repayment control Draft ACA and flow diagram
Hedge tickets and policy Removes price and FX drama Orders in market or ready
KYC and sanctions file Clears onboarding Complete and indexed

Controls and Covenants That Win Approval

Title and release
Original B L or warehouse receipts in control. No release without lender consent. Dry test done.
Reporting cadence
Weekly MI with stock, flows, AR aging, hedge positions, and exceptions. Dates locked.
Hedge discipline
No naked price or FX during tenor. Counterparties and limits documented.
Eligibility and caps
Simple rules for products, sites, buyers, and concentrations. Clean down logic agreed.

Contact Matrix for Fast Signoffs

Party Decision needed Response SLA
Seller Issuer or confirmer acceptability, document list, inspection Same day
Warehouse or terminal CMA and release SOP 24 hours
Insurer Binder and endorsements with lender as loss payee 24 hours
Bank LC or SBLC wording, fee splits, ACA and reimbursement Same day on marked drafts

Common Pitfalls and Fixes

Overstuffed document list
Cut to invoice, packing, B L, insurance if needed, inspection if agreed. Extra paper creates discrepancies.
Issuer not accepted
Get the seller’s acceptability email before you apply. Add alternates.
No control of cash
Account control with sweep. No side accounts. Waterfall in writing.
Dates that do not work
Match shipment, presentation, expiry place, and time zones to real schedules.
Attention. Lenders pass on messy files.
Desire. Present a tight pack and get to issuance or first draw on time.
Action. Send your contract, route, storage plan, insurer contact, and bank list. We will return a bank-ready file in 72 hours.

How We Build the File in 72 Hours

Bank route
Issuers, confirmers, and private credit desks that fund your goods and corridor.
Wording pack
LC, UPAS, or SBLC text aligned to UCP 600 or ISP98 with fee splits and reimbursement set.
Control stack
CMA, insurance, and account control agreements pre negotiated and ready to sign.
Execution control
We manage drafts, SWIFT traffic, dry tests, and close against hard dates.

Deliverables

  • Bank-ready document pack and index in one PDF
  • Named lender route with timing and fee bands
  • Wording pack for LC, UPAS, or SBLC plus presentation checklist
  • Control suite CMA, ACA, and insurer endorsements
  • Timeline from application to issuance or first draw

Need a Bank-Ready File in 72 Hours

Share your SPA or PO, shipment dates, storage plan, insurer contact, and bank list. We will respond with a route, wording, controls, and a closing checklist that fits your dates.

Start the Process

This page is informational. Any financing is subject to lender due diligence, independent credit approval, KYC and AML checks, sanctions review, and executed documentation. Timelines depend on counterparties, banks, and corridor constraints.

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.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

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.

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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.

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Once 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.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.