This page is informational and does not constitute an offer to lend, arrange, or purchase any security. Facilities are arranged only for corporate clients with verifiable trade flows and a minimum transaction size of USD 1,000,000. All financings are subject to KYC, AML and trade-sanctions screening.
Cross-Border Trade Finance Solutions — Letters of Credit, Standby LCs & Commodity Bridge Loans
Supply chains tighten when banks retreat, shipping costs spike and counterparties demand tighter payment terms. FG Capital Advisors fills that liquidity gap. We structure letter-of-credit issuances, standby LCs, pre-export bridge loans, insured receivable purchases and transactional working-capital lines starting at USD 1 million. Our capital comes from trade-finance banks, private credit funds and insurance-wrapped note programs—allowing us to close in as little as 10 business days for repeat clients.
Guide Navigation
1 · Market Need & Pain Points
• Payment-risk migration.
Suppliers want confirmed LCs; buyers seek extended credit; cash gaps widen.
• Bank-risk concentration.
Regional banks cap country limits, forcing traders to chase new lines mid-shipment.
• Volatile margins.
Price swings in copper, oil or cocoa trigger larger initial margins and liquidity squeezes.
• Compliance friction.
Sanctions, dual-use-goods checks and ESG covenants add weeks to traditional bank approvals.
2 · Financing Instruments We Arrange
| Instrument | When It Fits | Typical Tenor | Main Collateral/Support |
|---|---|---|---|
| Confirmed Letter of Credit (LC) | Importer seeks supplier guarantee with bank confirmation | Up to 180 days sight/usance | Cash margin, credit-insured receivable, or standby LC |
| Standby Letter of Credit (SBLC) | Performance or payment guarantee for commodity trades | 6–12 months | Parent guarantee, collateral assignment |
| Back-to-Back / Transferable LC | Trader intermediates between supplier and end-buyer | Mirrors underlying LC | Flow-through of end-buyer credit |
| Pre-Export Bridge Loan | Producer funds working capital before shipment | 30–270 days | Assigned export contract, warehouse receipts |
| Insured Receivable Purchase | Exporter sells invoices with credit-insurance wrap | Up to 180 days | Trade credit insurance policy (A- rated) |
| Transactional Revolver | Rolling draws tied to shipment milestones | 12–24 months revolver | Borrowing-base of insured receivables & inventory |
3 · Commodities & Goods We Cover
| Vertical | Typical Goods | Key Risk Factors Monitored |
|---|---|---|
| Metals & Mining | Copper cathodes, aluminum billets, nickel briquettes, zinc ingots | LME price hedging, warehouse warrants authenticity |
| Energy Products | Crude oil, gasoil, LNG cargoes, fuel oil | FOB vs. CIF delivery terms, VAT fraud risk, sanctions screening |
| Agricultural | Soybean meal, corn, wheat, sugar, cocoa, coffee | Seasonality, phytosanitary certs, moisture/quality variance |
| Fertilizers & Chemicals | Urea 46 %, DAP, potash, sulfur | Port storage constraints, volatility in freight rates |
| Industrial Inputs | Palm oil, rubber, steel coils, plastics (HDPE, LDPE) | Inventory liquidity, regional demand shifts, import duties |
4 · How We Structure a Deal
- Credit & Counterparty Mapping — We underwrite buyer, seller and any intermediary, pulling trade-credit reports and OFAC/EU sanctions hits in 24 hours.
- Cash-Flow Modelling — Shipment timetable, incoterms, buffer days and currency exposures feed our liquidity schedule.
- Collateral & Risk-Mitigation Stack — Options include warehouse receipts with dual control, LC confirmations, credit-insurance wraps and parent guarantees.
- Term-Sheet Engineering — Advance rate, margin, covenants and trade-document checklist agreed with both client and funding desk.
- Documentation & Closing — We draft or review UCP 600-compliant LC text, security agreements, insurance assignments and intercreditor deeds.
5 · Key Terms & Pricing
| Parameter | Typical Range |
|---|---|
| Minimum Facility Size | USD 1,000,000 equivalent |
| Advance Rate | Up to 90 % of insured receivable / 85 % of FOB contract value |
| Pricing | SOFR + 350–650 bps (USD) · Euribor + 300–600 bps (EUR) |
| Commitment Fee | 0.50–1.00 % p.a. on undrawn |
| Arrangement Fee | 1.0–2.0 % upfront (depends on tenor & structure) |
| Collateral | Assigned receivables, LC proceeds, insured inventory, or SBLC |
| Governing Law | New York or English Law (LCs under UCP 600/ISP 98) |
6 · Execution Timeline & Required Docs
Timeline (Business Days)
| Day | Milestone |
|---|---|
| 0–2 | Pre-screen & indicative term sheet |
| 3–5 | Underwriting package submission & approval |
| 6–8 | Draft LC / loan docs, insurance binders |
| 9–10 | Signing & funding / LC issuance |
Core Documentation Checklist
- Corporate KYC (COI, bylaws, director IDs)
- Last two years audited financials + latest management accounts
- Trade contract / purchase order, pro-forma invoice
- Logistics & insurance details (INCOTERMS, BL, warehouse receipts)
- Credit-insurance policy draft (if applicable)
7 · Talk to Our Trade-Finance Desk
If you need a confirmed LC for a copper cargo, a USD 5 million bridge on pre-sold cocoa beans, or a rolling insured-receivable revolver for refined fuels, FG Capital Advisors can assemble the capital stack, close the paperwork, and manage bank-to-bank settlements worldwide. Email contact@fgcapitaladvisors.com with your draft contract and we’ll revert with tailored terms within two business days.
