Usance LC Refinancing Services

Notice. This page is informational and general in nature. Any mandate remains subject to KYC and AML checks, sanctions screening, legal review, document compliance, underwriting, and final third-party approvals.

Usance Letter of Credit Refinancing

Deferred-payment trade deals can lock cash for 30, 60, 90, or 180 days. That gap can slow the next purchase cycle and crush momentum.

FG Capital Advisors structures usance LC refinancing solutions for importers, exporters, and traders that need liquidity before maturity. We support transaction design, lender introductions, discounting pathways, and execution through closing.

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When Usance LC Refinancing Is the Right Fit

Exporters with accepted deferred-payment LC claims who need early cash release.
Importers managing recurring cargoes with tight working-capital windows.
Traders needing liquidity rotation between shipment cycles.
Groups with strong counterparties and clean documentary history.
Companies replacing expensive short-term funding with a structured LC refinance path.

Structure Options We Arrange

Structure	What It Solves	Repayment Source	Main Credit Focus
Usance LC Discounting	Brings forward cash against compliant deferred-payment LC claims.	Payment at LC maturity by issuing or confirming bank.	Bank quality, LC wording, discrepancy status, tenor.
Accepted Bill / Draft Refinance	Converts accepted future obligations into immediate liquidity.	Accepted draft settlement at due date.	Acceptance validity, legal enforceability, obligor profile.
Forfaiting Route	Transfers medium-term trade receivable risk where criteria are met.	Obliged payment under sold receivable rights.	Transfer rights, jurisdiction risk, documentation quality.
Programme Refinance (Repeat Flows)	Creates a repeat framework for regular deferred-payment trades.	Portfolio maturity collections.	Eligibility rules, concentration limits, reporting controls.

Full Scope Of Services

Workstream	What We Handle	Output
Feasibility Review	Review contract chain, LC terms, documentary status, and timing constraints.	Clear go or no-go view.
Structure Design	Select discounting, forfaiting, or hybrid model based on file quality.	Indicative refinance framework.
Underwriting Pack Build	Prepare lender-ready memo, risk map, and data checklist.	Committee-grade submission.
Lender and Bank Introductions	Run targeted introductions to relevant trade finance providers.	Indicative terms or written declines.
Term Negotiation Support	Coordinate pricing, tenor, controls, and covenant points.	Negotiated term path.
Execution and Closing	Support document completion, CP tracking, and draw sequence.	Funding-ready close.

Process From Intake To Funding

Step	Action	Outcome
1) Intake and Screening	Review LC copy, contracts, shipment evidence, and maturity schedule.	Eligibility view and mandate scope.
2) Structuring	Map refinance route and define control points.	Structure memo with documentation path.
3) Package Build	Assemble underwriting file and compliance documents.	Lender-ready submission set.
4) Placement	Circulate to matched providers under controlled process.	Live credit feedback and terms.
5) Documentation and Close	Finalize legal docs and satisfy closing conditions.	Executable funding path.

What To Submit For A Quote

Full LC text and amendments, including usance tenor and maturity schedule.
Purchase and sale contract set linked to the financed flow.
Documentary presentation status and discrepancy notes, if any.
Shipment documents and title path evidence.
Corporate financials and management accounts.
Existing debt or facility terms that affect assignment or priority.
Complete KYC and AML package for all relevant entities.

Why Files Are Delayed or Rejected

LC wording does not support a clean refinance path.
Documentary discrepancies remain unresolved.
Requested tenor and amount are not aligned with repayment logic.
Transfer and assignment rights are unclear in legal documents.
KYC package is incomplete or inconsistent.

If you need a serious usance letter of credit refinancing path, submit your file. We structure, package, and coordinate placement through third-party providers under underwriting and compliance controls.