For many micro, small, and medium-sized enterprises (MSMEs), securing a Standby Letter of Credit (SBLC) is a critical step toward landing larger contracts, expanding operations, or ensuring suppliers get paid on time. But banks don’t make it easy.

Most MSMEs face the same problems when applying for an SBLC through traditional financial institutions:

• Excessive Collateral Demands – Some banks require a cash deposit covering 100% of the SBLC amount, making it an impractical option for growing businesses.
• Lengthy Approval Processes – Even if an MSME qualifies, banks often take weeks or months to process an SBLC request, causing delays that can cost businesses valuable contracts.
• High Revenue and Credit Requirements – Many banks only issue SBLCs to large corporations with extensive financial histories, leaving small businesses without options.

The result? Many MSMEs either miss out on growth opportunities or turn to expensive, unregulated third-party providers who make unrealistic promises and overcharge.

This is where our business comes in.

How We Help MSMEs Secure SBLCs Without the Usual Roadblocks

Our business is built around one goal: giving MSMEs a reliable way to obtain SBLCs without unnecessary delays, excessive costs, or unrealistic collateral demands. Instead of forcing businesses to navigate the rigid requirements of traditional banks, we connect them with financial institutions that understand their needs and offer more flexible solutions.

Our Business Model: Bridging MSMEs and Financial Institutions

We don’t issue SBLCs ourselves. Instead, we act as a bridge between MSMEs and financial institutions that specialize in trade finance solutions. Here’s how our model works:

1. Pre-Qualification – Before making introductions, we assess whether an MSME has a legitimate need for an SBLC and whether they meet basic financial requirements. Unlike banks, we don’t demand perfect credit, but we do need to ensure that clients have real transactions in place and the ability to meet their financial obligations.
2. Bank Matching and Negotiation – Once an MSME qualifies, we introduce them to banks or trade finance providers that offer SBLCs under reasonable terms. We negotiate on behalf of our clients to secure lower cash margin requirements, faster processing times, and reduced administrative burdens.
3. Structuring the SBLC Agreement – The MSME either provides a small security deposit (usually 10-30% of the SBLC amount) or alternative collateral, depending on the lender’s requirements. We ensure the SBLC is structured correctly to meet the expectations of all parties involved in the transaction.
4. Issuance and SWIFT Transmission – Once the agreement is finalized, the SBLC is issued by the financial institution and sent via SWIFT to the MSME’s counterparty (supplier, client, or trade partner).
5. Ongoing Support – We remain involved to ensure the SBLC is properly utilized, renewed if necessary, and that clients understand their obligations under the agreement.

Why This Model Works for MSMEs

• Lower Upfront Costs – Unlike banks that demand full collateral, our approach allows MSMEs to secure SBLCs with a significantly lower cash margin.
• Faster Processing – Instead of waiting months for approval, our network of financial institutions can issue SBLCs in a matter of days.
• Access to the Right Lenders – Not all banks are interested in issuing SBLCs for small businesses, but we connect MSMEs with lenders that are actively looking to work with them.
• Clear and Transparent Pricing – No hidden fees, no unnecessary intermediaries inflating costs. Clients know exactly what they’re paying for and what they’re getting.

Who Can Benefit From Our SBLC Facilitation Services?

Our services are ideal for MSMEs that:

• Have secured a large trade contract but need an SBLC to assure the counterparty of their ability to fulfill obligations.
• Want to expand operations but lack the financial guarantees required by suppliers, contractors, or project partners.
• Have strong cash flow but don’t meet the collateral requirements of traditional banks.

Common industries we serve include:

• Importers and Exporters – Businesses that need financial backing for international trade deals.
• Construction and Real Estate Developers – Companies that require an SBLC to secure project financing or guarantee performance.
• Manufacturers and Distributors – Businesses that need to guarantee payment or delivery of goods to partners.

How Our Fee Structure Works

We operate on a straightforward fee model that ensures clients only pay for value.

• Initial Consultation and Pre-Qualification Fee – A small upfront fee covers our review of the client’s business and SBLC needs. This ensures that we only work with businesses that have a real chance of securing an SBLC.
• Introduction and Structuring Fee – Once an MSME qualifies, we charge a flat fee for introducing them to a suitable financial institution and structuring the SBLC agreement.
• Success-Based Issuance Fee – This fee is charged upon successful issuance of the SBLC and is typically a percentage of the SBLC amount.

Our fee structure is designed to be clear and directly tied to results, ensuring that MSMEs receive the financial solutions they need without overspending on uncertain outcomes.

Why Work With Us Instead of Going Directly to a Bank?

Most MSMEs that approach banks for an SBLC either get rejected or spend months trying to navigate the process, only to be hit with unreasonable collateral requirements.

We solve this problem by:

• Working with multiple financial institutions instead of relying on a single bank’s policies.
• Leveraging industry relationships to secure better terms and faster processing.
• Filtering out bad deals so clients don’t waste time applying for SBLCs they won’t qualify for.

Next Steps: How to Get Started

If your business needs an SBLC, we can help you secure one without the usual banking roadblocks. The process is simple:

1. Fill out a short application outlining your SBLC needs and business background.
2. We review your eligibility and determine the best financial institution for your needs.
3. You receive your SBLC offer and proceed with the issuance process.



To discuss your SBLC requirements and see if you qualify, contact us today.