Usance Letter of Credit Financing for SMEs | Financely

Usance Letter of Credit Financing for SMEs

Don’t let upfront supplier payments derail your growth. Financely structures and underwrites usance letters of credit—so you buy now and pay later with flexible payment terms.

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Our Usance LC Services

Underwriting & Risk Assessment

We assess buyer creditworthiness and shipment terms to produce lender-ready risk memos for your usance LC financing.

Usance LC Structuring

Customizable tenor, tenor extensions and payment schedules that match your working-capital cycle.

LC Discounting & Refinancing

Convert your deferred-payment usance LCs into immediate cash at competitive discount rates.

Negotiation with Banks & Issuers

We secure favourable LC fees and terms by negotiating directly with banks and issuing houses.

Foreign Exchange & Hedging

Lock in FX rates and hedge currency exposure on your deferred usance obligations.

Compliance & Documentation

Full support for UCP 600 compliance, KYC and shipping documentation so nothing stalls your trade.

Why Financely for Usance Letters of Credit

Specialized Trade-Finance Team

Decades of experience structuring over $250 million in usance LC financing for SMEs.

Global Bank Network

Access leading correspondent banks for fastest issuance and best pricing.

Flexible Tenors

From 30 to 180 days—with extensions—to fit your supplier payment terms.

Transparent Fees

Clear discount margins and handling fees—no hidden mark-ups on your usance LC facility.

Our Guarantee & Disclaimer

Risk-Free Guarantee

If we don’t deliver a non-binding usance LC term sheet within 14 business days, we’ll provide two extra days of advisory at no cost.

Disclaimer

Financely is an advisory and placement platform, not a lender. All LC issuance is subject to bank approval and underwriting. Terms apply.

How It Works

1. Quick Intake

20-minute call to review your supplier contracts, shipment schedules and cash-flow needs.

2. Underwriting & Structuring

We craft your usance LC package per UCP 600 standards and lender requirements.

3. Bank Placement

Present to our network of banks for fastest issuance and optimal pricing.

4. Funding & Discounting

Draw funds instantly via LC discounting to keep your operations running smoothly.

5. Ongoing Support

We monitor expiry, handle amendments and advise on tenor roll-over or refinancing.

Frequently Asked Questions

What’s the difference between sight and usance LC?
Sight LCs pay immediately upon presentation of documents; usance LCs defer payment for a set tenor (e.g., 30–180 days).
How long can the usance LC tenor be?
Typical tenors range from 30 to 180 days. We can also negotiate extensions to match your cash-flow cycle.
Can you discount a usance LC early?
Yes—our LC discounting solutions let you convert deferred payment into immediate cash at competitive rates.
What fees are involved?
Fees include discount margin, advising fees and any issuance charges—fully disclosed upfront for transparency.
Is Financely a lender?
No. We’re your advisory and placement partner—funding comes from third-party banks subject to their approval.

Our Team

Appointed directly by the owners, this team serves as the operational core of Financely. They manage active mandates, oversee outsourced specialists, and ensure every transaction moves forward with clarity and speed. With collective experience spanning investment banking, credit structuring, legal execution, and investor relations, they bring institutional discipline to every deal we touch.

Pascal Meier

Onboarding & Resourcing Lead

Coralie Dubois, Financely

Coralie Dubois

Director

Jason Leung Financely

Jason Leung

Head of Credit & Structuring

Lucas Reinhardt Financely

Lucas Reinhardt

IR & Distribution