We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Trade Finance
MT760 is a SWIFT message format used by banks to transmit a standby letter of credit or demand guarantee undertaking to another bank for advising. It is the bank to bank channel and structure for the message, not the reason the undertaking is enforceable.
Enforceability comes from the SBLC text, the governing rules, and the governing law stated in the instrument. If you need the fundamentals first, start with our full SBLC guide.
An MT760 is a structured message used in SWIFT FIN to carry the key terms of a standby letter of credit or demand guarantee. In practice, the issuing bank sends the MT760 to an advising bank, and the advising bank authenticates it and advises the beneficiary.
This matters because serious counterparties want an authenticated bank to bank issuance trail. Still, the MT760 itself is not a pile of cash and it is not a settlement mechanism. It is structured messaging for an independent bank undertaking.
Shortcut: MT760 is how banks transmit the undertaking. The SBLC is the undertaking. Your contract is why it exists.
Market practice splits credit support instruments into two close cousins. A standby letter of credit is often governed by ISP98 or UCP 600. A demand guarantee is commonly governed by URDG 758. Each rule set shapes how presentation, compliance, and timing are interpreted.
A documentary undertaking designed to pay on a compliant presentation if the applicant fails to perform. For a plain language comparison, see SBLC vs bank guarantee.
A primary payment instrument for trade, where payment is triggered by shipping and document presentation. If you are deciding which tool fits your deal, see SBLC vs documentary letter of credit.
Rule selection is not cosmetic. It changes how banks read conditions, what counts as a compliant presentation, and how disputes are handled. If your beneficiary insists on a specific framework, align the instrument early so the issuer can approve it.
The instrument lives inside a contract, but the issuance flow runs through banks. These roles are the core ones.
| Party | Role |
|---|---|
| Applicant | The party whose obligation is being supported. The issuer underwrites the applicant’s credit and controls the issuance. |
| Issuing Bank | The bank that issues the SBLC and takes the payment obligation under the terms of the instrument. |
| Advising Bank | The beneficiary’s bank or a nominated bank that authenticates the message and advises it to the beneficiary. |
| Beneficiary | The party protected by the SBLC. They can claim if the stated conditions for a compliant presentation are met. |
In many deals, the beneficiary never receives an MT760 directly. They receive an advised SBLC from their bank, based on the authenticated bank to bank message.
Banks use tagged fields to carry key data points. Field availability and mapping can vary by bank systems and by whether the undertaking is framed as a standby or guarantee. Still, the following fields show up often and drive most of the legal and operational effect.
| Field | What it carries | Why it matters |
|---|---|---|
| Reference | Issuer reference and related references | Used for authentication, tracking, amendments, and claims matching. |
| Applicable rules | Rule set such as ISP98 or UCP 600 | Sets the interpretation framework for presentation and compliance. |
| Amount and currency | Undertaking amount, currency, sometimes tolerances | Defines maximum exposure and claim cap. |
| Applicant and beneficiary | Names, addresses, and identifiers | KYC alignment and precise party definition reduces dispute risk. |
| Expiry and place for presentation | Expiry date and where documents must be presented | Controls timing, jurisdictional practicality, and compliance mechanics. |
| Availability | How payment is made, by sight payment, by acceptance, by negotiation | Determines paying mechanics and which bank pays. |
| Documents and conditions | Required presentation documents and any conditions | This is the heart of the draw test. Ambiguity here is expensive. |
| Presentation period | Time window after default, after expiry, or within a defined period | Reduces stale claims and aligns with contract enforcement timelines. |
| Charges | Who pays bank charges and where | Prevents disputes about deductions and fee responsibility. |
| Instructions to advising bank | Advising and authentication instructions | Drives how the beneficiary receives the advised text. |
When someone says they need an MT760, they usually mean they need a compliant SBLC issued and advised through an authenticated channel. Issuers care less about buzzwords and more about the file quality.
If you want a practical view of what happens after a draw is made, read what happens when an SBLC is drawn. That is where poor wording shows up fast.
SBLC drafting is not about making it long. It is about making it enforceable and clean. The issuer wants objective conditions, the beneficiary wants claim certainty, and everyone wants fewer disputes.
Drafting principle: banks pay against documents, not against opinions. The beneficiary should be able to present a short, objective package. The issuer should be able to verify compliance quickly.
Many execution problems happen after issuance, not before. If the beneficiary asks for changes, that typically requires an amendment through the same bank to bank channel. If you need clean change control, the original references, the amendment process, and the advising instructions must be aligned from day one.
For a complete issuer process view, see MT760 SBLC provider process and our Standby Letters of Credit FAQ.
If you want speed, you need to show readiness. Most delays come from missing contracts, unclear beneficiaries, or draft texts that issuers will not accept.
If your deal needs liquidity against trade documents rather than a standby, you may be looking for a different tool. See letter of credit discounting and documentary collections.
If you need an MT760 issued for a real obligation, we can run the underwriting and issuance process end to end. We pressure test the contract, fix the wording, align issuer requirements, and coordinate advising so your counterparty receives an authenticated instrument that matches the draw and compliance rules.
Start with our How It Works page, then submit your file for review. If you want guidance before you engage, book a paid consultation.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank, not a broker-dealer, and not a direct lender. All outcomes are subject to diligence, compliance screening including KYC, AML, and sanctions, issuer and counterparty approvals, and definitive documentation.
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Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
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