A standby letter of credit is a bank-backed risk instrument that supports a defined payment or performance obligation. In serious procurement, project delivery, and cross-border trade, an SBLC can replace large cash deposits and accelerate contract awards. The underlying logic is easy to explain. The underwriting is not.
Financely provides advisory and arrangement support for SBLC issuance through regulated partners. We are not a bank and we do not issue SBLCs from our own balance sheet. Our role is to shape a lender-ready request, tighten beneficiary wording, and coordinate a controlled review with credible institutions where the underlying obligation is legitimate and underwriteable.
SBLC pricing is a credit decision. It is influenced by issuer tier, applicant strength, security quality, jurisdiction risk, and beneficiary wording. The table below is a directional reference for institutional structures. Final terms are confirmed by the issuing institution after underwriting.
| Pricing Component | Typical Range | What Drives It |
|---|---|---|
| Issuer Premium | Indicative SOFR + 6–12% p.a. | Issuer risk appetite, security quality, tenor, applicant credit, and beneficiary call conditions. |
| Tenor | Usually 12 months, extendable | Aligned to the real risk window of the contract and the beneficiary’s policy. |
| Advisory and Arrangement | Mandate-specific | Complexity, jurisdictions, issuer targeting, drafting support, and transaction size. For certain qualified profiles, structures can be success-linked rather than front-loaded. |
We work with top-rated issuing institutions subject to appetite and jurisdiction. Specific bank names and availability are shared after initial eligibility review and KYC screening. This protects both the client and the issuing counterparty and keeps the process clean.
| Issuer Tier | Indicative Rating Range | Indicative Minimum SBLC Size | Typical Use Cases |
|---|---|---|---|
| Tier 1 Global Banks | AAA to strong AA, where available | $25M+ | Large tenders, sovereign-linked procurement, multi-jurisdiction EPC and energy deals. |
| Tier 2 International Banks | AA to A range | $5M–$10M+ | Trade, mid-cap industrial supply, regional infrastructure and structured procurement. |
| Specialist and Regional Issuers | Risk-adjusted to mandate | $5M+ | Well-secured obligations with strong collateral logic and clean beneficiary requirements. |
Banks evaluate SBLC requests as real credit exposures. Many direct applications are declined early due to incomplete documentation, unbankable wording, unclear contract purpose, or weak security framing. In practice, a large share of direct requests do not reach final approval.
The goal is fewer false starts and a cleaner underwriting path.
When this is missing, pricing rises or appetite disappears.
The examples below reflect typical outcomes where the structure is clean and the underlying obligation is underwriteable. Each mandate remains subject to issuer approvals and compliance screening.
A mid-cap supplier required tender and performance support for a multi-country procurement program. The initial beneficiary draft demanded broad triggers that would have blocked issuance. We structured an issuer-aligned SBLC format with contract-anchored call conditions and a verifiable security package. The instrument supported the bid submission and improved counterparty confidence during final award negotiations.
An EPC contractor needed an SBLC to satisfy advance payment and milestone performance requirements. We aligned the instrument amount and tenor to measurable delivery periods and coordinated a controlled issuer approach. The outcome was a bankable draft that fit the beneficiary’s operational needs and the issuer’s risk committee expectations.
An SBLC is not a generic product and it is not a substitute for a weak contract. Issuers will reject requests that lack a legitimate underlying obligation, rely on vague or unverifiable collateral, or present compliance concerns related to counterparties, origin, or payment flows.
Financely does not guarantee SBLC issuance and does not offer direct instruments without prior underwriting. All mandates are executed on a best-efforts basis through regulated partners and are subject to KYC, AML, sanctions screening, legal review, acceptable beneficiary wording, and security perfection where applicable.
If you need an institutional SBLC via SWIFT MT760 for a confirmed contract, tender, or performance obligation, send your request with the underlying documents and your proposed security concept. We will confirm eligibility, indicative parameters, and the most credible issuing pathway.
Send Your SBLC RequestDisclaimer: This page is for general information only and does not constitute legal, financial, or regulatory advice. Financely acts as advisor and arranger through regulated partners and is not a bank or direct lender. Financely does not guarantee SBLC issuance, timelines, pricing, or issuer selection. Any SBLC is subject to underwriting, KYC, AML, sanctions screening, acceptable beneficiary wording, legal review, security perfection where applicable, and approvals by relevant institutions. Professional and corporate audience only.
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All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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