International Commercial


Business Finance Ltd

17 Bethesda Rd

Swansea SA8 4QQ

United Kingdom

Tel: +44 (0)2921 287111

Fax: +44 (0)1792 865792


North American Office

Contact David Nunn

Tel: 001 909-440-6068 - Direct Line

001 909-225-8360 - Cell 

Please Note:

Calls may be recorded for training and monitoring purposes



We provide our Trade Finance Facilities in terms of Letter of Credit (LC), Standby Letter of Credit (SBLC), Bank Guarantee (BG), Performance Guarantee/Bond (PG/PB), Bank Comfort Letter (BCL) & etc ., for those who do not have enough Bank Facilities to complete their trade transactions.

·        Letter of Credit | L/C

·        Standby Letter of Credit | SBLC

·        Bank Guarantee | BG

·        Performance Guarantee/Bond

·        Tender Bond Guarantee | TBG

·        Advance Payment Guarantee

·        Bank Comfort Letter | BCL


The Documentary Letter of Credit known as LC or DLC is a written undertaking given by a bank to the seller (beneficiary). The Letter of Credit or Documentary Credit is a technique for financing International trade by which a bank (issuing bank) takes the irrevocable commitment, at the request and for the account of its client (applicant), to pay the exporter (beneficiary) against the handing-over of various documents complying with the terms of the credit, proving forwarding and the nature of the goods stipulated in the pro-forma invoice or commercial contract within a set time limit.

The beneficiary of Letter of Credit may also obtain from their bank a credit line or packing credit to mobilize their export and their bank will receive the advance funding from the proceeds of Letter of Credit once they negotiate it.

Provider / Lender provides Irrevocable, Transferable Letter of Credit (MT-700) at Sight or Deferred Payment for importers who do not have cash flow or bank facilities to run their business.


The Standby LC or SBLC (MT-760) is a Standby payment guarantee issued by a bank on behalf of their client that is used as “payment of last resort” if the client fails to fulfill a contractual commitment with a third party.

Standby Letter of Credit is created as a sign of good faith in business transactions and are proof of a buyer’s credit quality and repayment abilities.

Standby Letter Of Credit is often used in International trade transactions, such as the purchase of goods from locally and internationally. Standby Letter of Credit can be used as Collateral for Credit Enhancement. It is ideal for companies planning to expand their business and do not want to give up equity of their company. This improves company’s cash flow as it allows the company to use their funds for alternate purposes before payments become due.

Our experts are structuring Standby Letter of Credit to meet your business needs while helping to protect your interests to the extent in every possible circumstance.

Provider / Lender has been providing Standby Letter of Credit on behalf of their client/buyer to fulfill a contractual commitment towards the supplier/ beneficiary.


Bank Guarantee (MT- 760) is an irrevocable commitment issued by a bank on behalf of their customer who has entered in a contract to purchase goods from a supplier and promised to meet all financial obligations to the supplier in the event of default. In other words, a Bank Guarantee is an undertaking of a bank on behalf of its customer.

A Bank Guarantee often helps firms conduct their business with parties they would never normally get the chance to deal with. Many suppliers will often choose to do business with customers that have a Bank Guarantee because it eliminates the risk that they will not receive the appropriate payment for the goods that they are selling.

Bank Guarantees are issued for a variety of purposes, such as to improve the credit ratings for issuers of industrial development revenue bonds and commercial papers; to provide back-up facilities for loans granted by third parties; to assure performance under construction and employment contracts; and to ensure the account party satisfies financial obligations payable to major suppliers.

Types of Bank Guarantee:

Performance Guarantee / Bond – PG/PB

Advance Payment Guarantee – APG

Tender Bond Guarantee – TBG

Performance Guarantee/ Bond or Surety Bond is a financial tool that act as guarantee to secure any claim by the buyer to the seller in case of default in delivery or performance for supplying huge commodities as per the contract terms .

Performance Bond are commonly used in the construction and development of properties, where an owner or investor may require the developer to assure that contractors procure such bonds in order to guarantee that the value of the work will not be lost in the case of an unfortunate event (such as insolvency of the contractor, etc.). In other cases a performance bond may be requested to be issued in other large contracts besides civil construction projects.

Obtaining Performance Bond and Guarantees from traditional sources is sometimes difficult, time-consuming and ties up working capital. Provider / Lender understands these problems and provides performance bond and guarantees as simple as possible, often without the need to tie up valuable cash resources and always as fast and as efficiently as possible.


The Tender Bond Guarantee (Bid Bond) is used when a buyer or developer is obtaining tender for a contract and requires a bond as security against the risk of the successful bidder failing to enter into the contract.

Getting Tender Bond Guarantee is very important if you want your company to become competitive in the construction industry. In fact, in some localities, a Tender Bond Guarantee is required so you can obtain licenses and permits. Most importantly, almost all project owners and developers will require a bond from you before you can bid on their projects.

If you want to obtain juicy contracts from importers or principal developer to ensure that buyers or project owners will trust your company, then you need to secure Tender Bond Guarantee. You can obtain such Tender Bond Guarantee from Provider / Lender very easily.


The Advance Payment Guarantee is used when a developer makes an advance payment to a contractor and obtains a bank guarantee as security against that payment. The guarantee is payable on demand and contains optional wording for the value of the guarantee to reduce as interim payments are made under the contract.

In trading markets, to secure any claims by the buyer on the seller for reimbursement of the buyer’s advance payment on the contract price before delivery of the goods (or advance payment of the full contract price) in the event that the seller has failed to meet their contractual delivery obligations in full.

This Advance Payment Guarantee not only enables the exporter to receive advance payment of the last term of the contract but the importer to be covered in the event of a problem during that period.

Provider / Lender provides Advance Payment Guarantee on behalf of the supplier/contractor which enables them to acquire the advance payment as per their contracts.



Types of Bank Guarantee:

Bank Guarantee – BG

Tender Bond Guarantee – TBG

Advance Payment Guarantee – APG


If you are in the middle of an important trade deal and need a Bank Comfort Letter, or what some traders refer to as BCL (MT -799) or Bank Commitment Letter, Provider / Lender. can help you. We can provide a notification to suppliers on your behalf to show your financial capability to purchase goods/commodities as per the signed contract.

A Bank Comfort Letter is a written undertaking by a bank on behalf of its client that assures the financial stability of the client’s company who has entered into a contract. Usually, it is used by the importer/buyer for the exporter/supplier as a surety that the buyer is capable of maintaining their financial commitment within a specified time period.

Today, suppliers of international trade wants to make sure that they are working with financially competent importers & exporters they can trust when engaging in trade deals involving large quantities of merchandise and commodities. Thus, to ensure the validity of a deal, a supplier may request a BCL. That’s how the comfort level between the buyer and the suppliers firms; by presentingBCL, buyer shows his fiscal affluence so that the transaction could be executed.

BCL by no means is a payment assurance by bank; BCL is an authenticated Swift message from the buyer’s bank that asserts the buyer’s track record in terms of their financial standing.
Provider / Lender. has decades of trading experience and understands the challenges importers & exporters face when obtaining buyer credit for large amounts of commodities.

Our trade finance services have a step-by-step system in place to ensure you have the proper paperwork in order to satisfy your supplier and carry out your trade deal. You can review the visual diagram associated with our process by clicking the “Bank Comfort Letter Procedure” tab, or you can watch our Bank Comfort Letter “video” for visual understanding.

As a direct trade finance provider, Provider / Lender. has competitive rates and terms to provide you with the effective solution to grow your business.