A standby letter of credit (SLBC) constitutes a binding commitment by the issuing bank to honor payment upon beneficiary’s legitimate demand, should the applicant default. Precision in drafting is imperative to mitigate interpretation risk. This article presents standardized templates compliant with URDG 758 and ISP98, formatted in SWIFT-inspired tables for seamless integration into treasury workflows.
An effective SLBC must articulate unambiguously the parties, governing rules, monetary limits, expiry parameters, and draw conditions. Inclusion of each element as specified below ensures enforceability and operational clarity.
| :27: | Sequence of total 1/1 |
| :40E: | URDG 758 |
| :20: | SBLC123456789 |
| :31C: | 2025-06-01 |
| :50: | ABC Corporation 123 Main Street Lisbon, Portugal |
| :59: | XYZ Limited 45 River Road London, United Kingdom |
| :32B: | USD 1,000,000.00 |
| :41D: | Available with Banco Financio by payment at sight |
| :71B: | All charges outside issuing bank are for beneficiary’s account |
| :49: | Confirmation charges for beneficiary’s account |
| :78: | The beneficiary may draw by presenting: 1. The original of this standby letter of credit; 2. A signed statement reading: “I certify that the amount claimed is due under the terms of this standby letter of credit.” |
| :20: | SBLC-ISP-2025-0001 |
| :30: | 2025-06-01 |
| :31D: | Expiry 2026-05-31 at 17:00 Lisbon time |
| :32B: | USD 500,000.00 |
| :40E: | ISP98 |
| :50: | ABC Corporation 123 Main Street Lisbon, Portugal |
| :59: | XYZ Limited 45 River Road London, United Kingdom |
| :41A: | Available by payment at sight through Banco Financio |
| :71B: | Issuing bank’s charges for account of applicant; all other charges for beneficiary’s account |
| :78: | To draw under this credit, the beneficiary must present: – A signed statement of the amount claimed; – This standby letter of credit. |
For expert guidance on structuring and issuing standby letters of credit in compliance with international standards, please contact our trade finance specialists.
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