UPAS LC Quote For Importers 90 To 180 Day Terms Supplier Paid At Sight
Your supplier wants sight payment. You want working capital. A UPAS LC solves both. We arrange a documentary LC that pays the seller at presentation while you repay at 90, 120, or 180 days. No guessing. You get clear wording, a realistic timeline, and pricing bands before you commit.
Outcome:
seller receives sight proceeds, you take time to pay under agreed usance tenor with clean, bankable LC wording.
When This Is The Right Move
Supplier demands sight funds
They want payment on compliant presentation, not after your receivables cycle.
You need tenor
90 to 180 day terms to match production, shipping, and customer collections.
Price tension on cash
Cash deposits hurt margin. UPAS shifts the cost to structured bank risk.
Time pressure
Ship window is close. You need a bank route that actually clears.
Indicative UPAS LC Terms
| Parameter |
Structure |
| Payment to Seller |
At sight on compliant presentation under the LC |
| Importer Tenor |
90, 120, or 180 days usance payable at sight (UPAS) |
| Confirmation |
Optional, based on supplier request and issuing-country appetite |
| Currencies |
USD, EUR, GBP; others case by case |
| Eligible Goods |
Finished goods and commodities with standard inspection and shipping docs |
Pricing Elements You Should Expect
| Component |
How It Is Charged |
What Drives It |
| Issuance |
Flat plus schedule per LC |
Bank, corridor, internal exposure limits |
| UPAS Cost |
Tenor-based spread over benchmark |
Tenor length, credit profile, issuing country |
| Confirmation (if added) |
Per quarter rate applied to LC amount |
Country risk, issuing bank rating, confirmer appetite |
| Amendments |
Flat per amendment; reconfirmation may add cost |
Quality of initial wording and shipment changes |
Bank Route That Works In Practice
Issuing
Your bank issues UPAS LC with correct reimbursement and UPAS clause set.
Advising
Advising bank pre-clears presentation windows and document formats with the seller.
Confirmation
Added if the seller wants risk cover. We shortlist confirmers by corridor appetite.
Settlement
Seller is paid at sight. Importer pays at usance on the agreed maturity date.
Execution Timeline You Can Plan Around
| Stage |
What We Do |
Typical Time |
| Intake |
Collect SPA or PO, pro forma invoice, shipment plan, KYC |
Same day |
| Wording and route |
UPAS clause redline, reimbursement, advising, optional confirmation |
24–72 hours |
| Issuance |
Issuing bank releases LC to advising bank |
Bank-dependent |
| Presentation and payout |
Seller presents clean docs, seller paid at sight |
Per LC terms |
| Importer maturity |
Usance maturity at 90, 120, or 180 days |
On due date |
Documents We Need To Issue Fast
- Company KYC and sanctions questionnaire
- Sales contract or purchase order with Incoterms and shipment window
- Draft LC request including UPAS clause and tenor
- Inspection and logistics requirements aligned to real port cutoffs
- Beneficiary bank coordinates and advising bank preference
What You Get
- UPAS LC wording that passes bank compliance
- Named bank route for issuing, advising, and optional confirmation
- Pricing elements and likely fee bands by corridor
- Execution timeline synced to your shipment plan
- Presentation checklist to avoid discrepancies
Client Reviews
★★★★★ "Supplier got sight funds. We took 120 days and hit our receivables cycle perfectly."
– CFO, Consumer Electronics Importer
★★★★★ "Their UPAS wording cleared without a single amendment and payout was prompt."
– CEO, Apparel Sourcing Company
★★★★★ "Clear costs, clean route, zero drama at presentation."
– Director, Industrial Supplies Importer
★★★★★ "We moved from cash advance to UPAS and freed real working capital."
– Head of Finance, Food Distributor
Request A UPAS LC Quote
Upload your PO or SPA, draft LC request, and shipment plan. We reply with wording, route, pricing elements, and a delivery timeline.
Start the Process
Information on this page is indicative. Any facility is subject to bank due diligence, independent credit approval, KYC and AML checks, and executed documentation. Terms vary by issuing bank, tenor, corridor, and market conditions.