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Your supplier wants payment certainty. You want time before the invoice falls due. A usance letter of credit gives you both, and it stops the order from eating the working capital you need for the next one.
You take delivery now and settle in 90 or 180 days. Your supplier gets a bank undertaking they can rely on, and on UPAS terms they can be paid at sight through discounting, so they have no reason to inflate the price for the wait. We arrange the credit from a regulated issuing bank from $10,000 flat.
You are not buying a document. You are buying months of breathing room between receiving the goods and paying for them, without asking your supplier to trust you and without draining your own account.
Take delivery of the container, get it into your warehouse and start selling while the payment date sits 90 or 180 days away. Your inventory turns before the invoice matures, which means the goods finance themselves instead of you financing them.
This is the real gain. When payment moves from shipment to maturity, the working capital that used to sit in one shipment can be recycled into the next two or three cycles. You do more volume on the same balance sheet, without asking your bank for a bigger overdraft.
On UPAS terms the supplier is paid at sight through a discounting bank, even though you settle months later. They get their cash, so they have no reason to load a risk premium onto the price or demand payment upfront. You get the terms without paying a hidden cost for them.
A usance credit replaces a cash payment or an overdraft drawdown with a bank undertaking that matures later. Your liquidity stays intact for the things it is actually there for, and you are not the party carrying the funding gap.
Usance credits get rejected on fields 42C, 42P and 42M more than anywhere else, because the tenor, payment method and maturity calculation have to match the contract exactly. We draft those fields against your purchase contract and confirm them in writing before the bank issues, so the credit is not bounced back while your shipment window is open.
Financely arranges, it does not lend. We prepare the credit and compliance package, place it with a partner bank whose appetite matches your jurisdiction and supplier, and stay on the file through amendment, extension and any discounting question. One named contact, one accountable issuance date.
The goods arrive long before the payment does. That is the whole point of the structure, and it is why the credit has to be drafted so nobody has an excuse to hold the shipment.
1. Order placed
Terms agreed at 90 days
2. Credit issued
Bank undertaking to supplier
3. Goods ship
Supplier paid at sight
4. You sell
Stock moves, cash comes in
5. You pay
At maturity, not on shipment
Your position
Goods in hand from stage three, cash out only at stage five. The gap is carried by the banking structure, not by your balance sheet.
Your supplier's position
Paid at stage three against a bank undertaking, so they ship on time and do not price the wait into the order.
You agree purchase terms with a usance payment window
The credit is issued to your supplier by SWIFT
Supplier ships and is paid on presentation
You receive, stock and sell the goods
You settle the invoice at the agreed maturity
Usance is a category, not one product. What changes is whether your supplier is paid at sight or at maturity, and that single decision affects the price they quote you, their willingness to ship and how much administration sits in the file.
The best of both sides. The nominated bank pays your supplier as soon as they present compliant documents, and your obligation falls due at the usance tenor. You get the goods and the time, they get their cash and no reason to complain about the terms.
Nothing is discounted. Your supplier is paid on day 90 or 180, and they carry that wait. In exchange the credit is simpler to administer, and there is no discount cost sitting anywhere in the transaction.
The credit calls for a draft drawn on the bank, which the bank accepts. Your supplier can hold it to maturity or discount it in the market on their own terms, without needing your cooperation or your bank's goodwill.
No draft, no acceptance. The credit simply states payment is due a set number of days after presentation or after a stated date. It is the cleanest structure to issue and the cheapest to administer.
A usance credit is rejected by the beneficiary far more often than a sight credit, because the tenor mechanics give them more to check. When they reject it, your shipment does not move, and you are the one explaining the delay to your own customers.
| Field | What it controls | What it costs you when it goes wrong |
|---|---|---|
| 42C | Drafts at, for acceptance and usance credits | Your supplier rejects the credit and the shipment window slips |
| 42P | Deferred payment details and maturity calculation | Nobody can agree when you actually owe the money |
| 42M | Mixed payment details | Part-sight, part-deferred split administered incorrectly, causing disputes at maturity |
| 42A | Drawee of the draft | Draft drawn on a bank that will not accept, so the supplier cannot discount |
| 41A / 41D | Available with, and by what method | Nominated bank cannot discount, so the supplier loses the early payment you promised |
| 31D | Date and place of expiry | Expiry closes before the tenor can run, leaving no room to present documents |
| 48 | Period for presentation | Too short for bills of lading to reach the supplier, so the presentation is late |
| 47A | Additional conditions | Discounting language that binds a bank which never agreed to it |
Extended terms always carry a cost. The only question that matters to you is where it lands. On UPAS, the discount charge is usually absorbed by whoever benefits from early payment, and in practice it is either built into the unit price you negotiated or settled at maturity. On UPAU, your supplier prices the wait into the goods and there is no separate discount line at all. On acceptance credits, the market sets the rate when the acceptance is discounted.
What protects your margin is knowing which of those applies before you sign the purchase order, not after. We tell you at review which structure carries the lowest all-in cost for your supplier base, and we make sure the credit is drafted so the discounting you have promised can actually be performed by the nominated bank. A UPAS credit issued with a bank that will not discount is a UPAU credit in disguise, and your supplier finds out at the worst possible moment.
Financely is an arranger, not a bank. We do not issue the credit, and we do not lend against it. What we do is make the issuance happen: review the transaction for eligibility, identify which partner banks have appetite for your jurisdiction, supplier and tenor, prepare the credit and compliance package, draft every field against your purchase contract, and coordinate the issuing bank through to delivery by authenticated SWIFT.
The fee is $10,000 flat, confirmed in writing before any work starts, with no arrangement percentage and no charge based on the credit value. A USD 500 confirmation payment releases your engagement contract and is credited against the total. If the credit cannot be issued, every fee paid to us is refunded in full. If you are still deciding between UPAS and UPAU, or want to know what your supplier will actually accept, request a quote and we will map the options against your purchase contract before you commit to a bank process.
You will know within one business day whether the credit is issuable, which structure fits your order and what the tenor terms need to look like. Nothing is paid before that answer, and if we cannot issue, you owe nothing.
Yes. On a usance credit you take delivery and start selling while the payment date sits 90 or 180 days out. The credit is a bank undertaking to your supplier, not a cash payment from you, so your money leaves at maturity rather than at shipment.
Most will accept UPAS, because from their side it behaves like a sight credit and they are paid on presentation through a discounting bank. UPAU is harder unless they already have funding capacity or have priced the wait into the goods. We advise on which structure your specific supplier is likely to accept before the credit is drafted.
It depends on what you negotiate. The charge usually sits with whoever benefits from early payment, and in practice it is either built into the unit price or settled at maturity. What matters at issuance is that the credit is drafted so the discounting can actually be performed by the nominated bank.
That is the main commercial reason buyers use it. When payment moves from shipment to maturity, the same working capital can fund several order cycles instead of one, and you are not drawing down cash or an overdraft while the goods sit in your warehouse.
No. Financely is an arranger, not a bank. The credit is issued by a regulated partner bank and delivered by authenticated SWIFT to the advising bank named in the instrument. We prepare the file, place it with a bank whose appetite matches your transaction, and manage the process through to issuance.
$10,000 flat, confirmed in writing at review, with no arrangement percentage and no charge based on the credit value. A USD 500 confirmation payment releases the engagement contract and is credited against the total. If we cannot secure issuance, every fee paid to us is refunded in full and no balance is due.