What These Engagements Cover

SBLC, guarantee, DLC, and UPAS engagements are built around the specific exposure that needs to be covered and the bank processes that will sit behind each instrument. The focus is on structure and bankability, not on generic instrument templates.

• Structuring of standby letters of credit for performance, payment, and project related obligations, including facility framework, collateral requirements, and draw conditions acceptable to issuer banks.
• Bank guarantee structures for trade, construction, and other performance obligations, including advance payment guarantees, performance guarantees, and bid bonds, with clear recourse and security packages.
• Documentary letters of credit for imports and exports, including LC type, Incoterms alignment, presentation documents, reimbursement terms, and confirmation options for higher risk jurisdictions.
• UPAS LCs for buyers seeking extended payment terms while suppliers receive sight payment, including pricing splits between buyer and seller, reimbursement profiles, and bank participation structures.
• Integration of SBLCs, guarantees, and LCs into broader working capital facilities, such as revolving trade lines, borrowing base structures, or bilateral bank facilities.
• Review and negotiation support on draft terms and conditions from banks, so that commercial intent and legal wording stay aligned with the sponsor’s risk appetite.

Instruments are always tied back to documented transactions, contracts, and financial statements, not stand alone "credit enhancement" without real exposure.

Scope, Deliverables, And Bank Process Support

Deliverables are tailored so they can be used directly in bank credit files, facility documentation, and internal approvals. Outputs are written in the language that credit officers and legal counsel expect to see.

• Instrument brief and structure memo that sets out underlying contracts, exposure profile, required instrument type, amount, tenor, governing law, and proposed issuing bank profile.
• Facility and security concept, including proposed collateral, guarantees, cross default linkages, and any connection to existing facilities or borrowing base structures.
• Term sheet draft that covers pricing, fees, conditions precedent, events of default, covenants, and monitoring requirements that surround the SBLC, guarantee, DLC, or UPAS LC.
• Document checklist with clear roles for bank, sponsor, and counterparties, including contracts, financial statements, KYC documentation, and any required legal opinions.
• Bank pack to accompany applications, combining commercial description, risk analysis, financials, and structure in a concise credit friendly format.
• Support to sponsor teams in responses to bank questions on structure, risk mitigants, and documentation, within regulatory constraints and engagement terms.

Legal drafting and negotiations are handled by external counsel and issuing banks. FG Capital Advisors focuses on structure, credit rationale, and clarity of the commercial and risk story.

Frequently Asked Questions

Do you issue SBLCs, guarantees, or LCs yourselves?
No. FG Capital Advisors does not issue any instruments and does not hold a banking or insurance licence. All SBLCs, bank guarantees, DLCs, and UPAS LCs are issued by regulated banks or credit insurers under their own documentation. Our role is to help sponsors design structures and present their case so that such institutions can approve and issue the instruments.

What deal sizes do you work on?
Engagements usually involve requested instrument capacity from USD 5 million up to several hundred million across programmes or frameworks. Very small tickets are rarely economical once bank fees, legal work, and advisory effort are taken into account.

Can you help if I have no underlying contract or trade exposure?
No. Engagements require a real underlying project, trade flow, or contractual obligation supported by financial statements and counterparties that can be identified and diligenced. Requests for "credit enhancement only" without genuine exposure, including attempts to create balance sheet strength by parking instruments with no linked business, are not taken on.

Do you work on a success fee only basis?
No. Advisory and structuring work is charged on a fee basis within the ranges shown above. In some jurisdictions and structures, success based economics may be added, subject to regulation and bank consent, but they are always separate from and additional to advisory fees.

How long does it take to secure an instrument?
Timelines depend on data quality, complexity, bank workload, and legal documentation. As a rough guide, simple SBLC or LC structures between known counterparties can sometimes be approved within a few weeks once complete information is available. More complex frameworks, cross border projects, or multi bank programmes can take several months from initial engagement to first issuance.

Which banks and jurisdictions do you work with?
Bank selection depends on client domicile, counterparty locations, currency, and regulatory constraints. The focus is on regulated banks and insurers that have appetite for the relevant country, sector, and risk profile. FG Capital Advisors does not commit any bank or fund to a transaction and does not route instruments through offshore shells or unregulated platforms.

Do you arrange leased SBLCs, MT799 monetisation, or similar schemes?
No. FG Capital Advisors does not participate in leased SBLC offers, stand alone "blocked funds" schemes, or monetisation programmes that are not grounded in real trade or project cash flows. Clients should expect that instruments will be fully documented, subject to full KYC and AML checks, and priced on normal commercial terms by genuine issuing banks.