Letter of Credit As A Service

Letters of Credit as a Service | B2B & B2G SBLC, DLC, UPAS, UPAU

Letters of Credit as a Service

LC as a Service for B2B and B2G. We structure, issue, and manage performance and financial LCs with clean wording, issuer and confirmer lineups that counterparties accept, and usance options like UPAS or UPAU. From draft to SWIFT and through expiry, we keep payouts predictable and cash flow aligned.
Who We Serve
  • * Corporates, OEMs, EPCs, and prime contractors
  • * Tier-1 and Tier-2 suppliers under framework agreements
  • * Utilities, SOEs, municipalities, transport and health agencies
  • * Universities and public hospitals for leases and procurements
B2B Use Cases
  • Performance, warranty, and retention standbys for EPC and services
  • DLCs for shipment under sales contracts and framework releases
  • Usance 30–180 days with UPAS for sight payout to suppliers
  • Rental and lease standbys for equipment and real estate
  • Interconnection and utility security for industrial sites
B2G Use Cases
  • Bid/tender standbys and performance standbys on public contracts
  • Advance payment standbys with staged reduction or extend-or-pay
  • URDG 758 guarantees where government forms are mandated
  • Public lease and concession security, maintenance and warranty
  • Environmental and utility deposits where letters of credit are accepted

Instruments and Rule Sets

Performance LCs
  • Standby LCs under ISP98 or UCP600
  • Demand guarantees under URDG 758 where required
  • Bid, performance, advance payment, warranty, and retention
  • Extend or pay language and simple demand certificates
Financial LCs
  • DLC MT700 sight or usance under UCP600
  • UPAS for sight payout with applicant repayment at maturity
  • UPAU where beneficiary is paid at usance maturity
  • Optional confirmation and assignment of proceeds

What We Deliver

Wording That Clears

Clear demand mechanics, stated expiry and place, workable business day rules, and a charges clause that matches the contract or RFP.

Issuer & Confirmer Lineup

Issuers acceptable to the beneficiary with sanctions checks, advising bank setup, and confirmation by a first class bank when required for local payout certainty.

Execution Control

Term sheets and fee letters, MT700 or MT760 issuance, controlled amendments, notice paths, and expiry monitoring to prevent lapses.

Cash Flow Fit

Usance tenor matched to receivables and milestones, UPAS for supplier liquidity at sight, or UPAU where payment at maturity is acceptable.

Controls For Counterparty Comfort

Simple Demand Language

Short, precise certificates with no hidden conditions beyond the LC or standby wording.

Dates & Place Of Presentation

Stated place, calendar clarity, and practical courier or electronic options where policy allows.

Issuer Acceptance & Confirmation

Issuer names on acceptance lists and local confirmation when the beneficiary needs a domestic undertaking.

Charges & Notices

Clear allocation of issuance, advising, confirmation, and courier costs, plus notice paths that prevent disputes.

Operating Model

Engagement

We scope the contract or RFP, agree rule set and wording, align the charges clause, and present issuer and confirmation options with pricing bands and estimated timelines.

Compliance & Templates

KYC and AML, sanctions screening, corridor fit, and alignment with beneficiary templates or instructions including URDG or agency-specific forms.

Process to Issuance

  1. Share contract or RFP, beneficiary instructions or template, KYC, and financials.
  2. Receive eligibility view, issuer and confirmer options, and fee letters.
  3. Finalize wording, rule set, expiry, place of presentation, and charges.
  4. Issue MT700 or MT760 and confirm effectiveness with the advising bank.
  5. Manage amendments, notices, and extension events. Track expiry.
  6. If called, present the stated demand or documents and arrange payout when compliant.

Eligibility and Documents

Baseline Profile
  • Operating company or prime contractor with verifiable activity
  • Underlying contract, RFP award, lease, or utility requirement
  • Issuer and jurisdiction acceptable to the beneficiary
  • Reimbursement or security acceptable to the issuer
Checklist to Start
  • KYC, corporate documents, ownership table
  • Recent financials and bank statements
  • Draft LC or standby text with amount, tenor, rule set, and purpose
  • Beneficiary instructions and any required template or agency form

Illustrative Pricing

Issuance 0.30%–1.20% flat per 90 days by issuer and corridor. Confirmation 0.40%–1.70% flat where required. Document examination per schedule. UPAS discount margin priced over base for the usance period. Legal and courier costs apply. Final allocation follows the charges clause.

Frequently Asked Questions

When do public beneficiaries require URDG instead of ISP98?

Many public bodies publish URDG-based guarantee forms. We follow the mandated text and still secure a bank name the beneficiary accepts. If ISP98 is allowed, we recommend it for standbys.

UPAS vs UPAU. What is the difference?

UPAS pays the beneficiary at sight while the applicant repays at maturity. UPAU pays the beneficiary at the usance maturity. UPAS improves supplier liquidity without changing the applicant’s tenor.

Can you operate under framework agreements and rolling LCs?

Yes. We align issuance, amendments, and expiries to release schedules and milestones so coverage stays continuous without tying up excess capacity.

Request LC as a Service

Share your contract or RFP, beneficiary instructions, preferred wording, amount, tenor, KYC, and financials. We revert with eligibility, pricing bands, issuer and confirmation options, and a direct path to issuance and settlement for SBLCs, DLCs, and usance structures including UPAS or UPAU.

Request Indicative Terms

Financely acts as advisor and arranger on a best efforts basis. We are not a bank. All mandates are subject to KYC and AML, sanctions screening, credit approval, legal documentation, counterparty capacity, and applicable laws. Nothing here is a commitment to lend or an offer of securities. Terms vary by bank names, jurisdictions, and documentary quality.

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.

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 Request

Project 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 Request

Acquisitions

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 Request

For 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 Request

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.