UPAS LC Financing Pay Suppliers at Sight Settle in 180 Days

UPAS LC Financing Pay Suppliers at Sight Settle in 180 Days

UPAS LC Financing Pay Suppliers at Sight Settle in 180 Days

Your supplier wants cash at sight. You need terms for 90 to 180 days. A UPAS LC pays the seller on presentation while you repay your bank on deferred tenor. We arrange the structure, the wording, the confirmation if required, and the full document pack so everyone gets what they need without games.

Outcome: supplier receives funds at sight with bank risk, you settle on agreed tenor, and the LC reads clean so presentation gets paid first time.

When UPAS LC Is The Right Call

  • Supplier insists on cash at sight but you have working capital pressure.
  • You need a confirmed LC for country or bank risk while keeping buyer-side tenor.
  • You plan to refinance at maturity with receivables or inventory proceeds.
  • Deals in food, FMCG, metals and machinery where speed and clean docs matter.

Key Features

Feature Details
Tenor 90 to 180 days reimbursement to applicant. Other tenors case by case.
Supplier payment At sight to beneficiary on compliant presentation, often with confirmation available.
Rules UCP 600. eUCP option for electronic presentation where banks accept it.
Currencies and size USD, EUR, GBP and others. Ticket size matched to supplier profile and bank appetite.
Security Clean LC issuance. Additional security or cash cover only where required by your bank.

How It Works

1) Structure
Fix tenor, confirmation need, presentation channel, tolerance, and fees. Capture trade facts and shipment plan.
2) Wording
Draft LC text with UPAS clause, reimbursement basis, and any ePresentation terms. Pre-clear with your bank RM.
3) Issue
Bank issues. Advising and, if required, confirming bank in place. Share locked PDF with supplier for acceptance.
4) Present and settle
Supplier presents. Bank pays at sight. You reimburse at maturity per LC terms or refinance from working capital.

Bank-Accepted Clause Samples

Topic Sample wording
Rules and eDocs This credit is subject to UCP 600. Electronic presentation under eUCP Version 2.1 permitted where stated in this credit.
UPAS instruction Nominated or confirming bank to pay at sight against compliant presentation. Applicant to reimburse at [90/120/180] days from draft date at [reference rate + margin].
Confirmation Add confirmation at beneficiary’s request and charge to applicant. If unavailable, advise without confirmation and notify applicant.
Presentation channel Presentation at the nominated or confirming bank via [platform or bank portal]. Paper not required unless platform is unavailable.

What It Costs

Item Who pays Notes
LC issuance and advising Applicant Standard bank fee grid
Confirmation Applicant unless agreed otherwise By corridor and issuing bank risk
UPAS interest and margin Applicant Based on tenor and rate basis stated in LC
Amendments or discrepancies Applicant Avoid with pre-cleared wording and seller training

Bank File Checklist

Trade facts
  • Incoterms, ports, HS codes, shipment window, tolerance, partials, transshipment
  • Supplier profile and past performance
  • Insurance and inspection plan where required
LC mechanics
  • UPAS tenor and rate basis
  • Confirmation bank shortlist by corridor
  • Presentation channel and eUCP option

Why Work With Us

  • We draft bank-friendly LC text that cuts amendments.
  • We line up confirming banks where country or bank risk is touchy.
  • We train your supplier on the exact documents and wording to present.
  • We track SWIFT, advice, and presentation to keep the flow under control.
Need the seller paid at sight without draining cash. Want tenor you can live with. Send the trade facts and the seller’s sample documents, and we will return a locked LC draft, a confirmation plan, and a presentation checklist. We help our clients capitalize on opportunities.

Request UPAS LC Terms

Share Incoterms, shipment window, supplier details, and your target tenor. We will reply with LC wording, bank routes, and fees.

Start the Process

We structure and coordinate UPAS LC transactions with banks and confirming institutions. Any issuance is subject to KYC and AML checks, sanctions screening, credit approval, and executed documentation. Pricing and availability vary by corridor, counterparty, and bank policy.

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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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.