What is the difference between a letter of credit and a standby LC?

A documentary letter of credit is the payment mechanism for the deal; a standby LC works as a guarantee and is only drawn if the buyer fails to pay.

Do I need collateral to obtain a trade finance line?

Not always. Many lines are self-liquidating, secured by the transaction flows and shipping documents. We assess each case with our partner banks.

Do you work with small and mid-sized companies?

Yes. We handle single smaller transactions as well as recurring programmes for established exporters, with the same compliance standards.

Trade finance for importers and exporters

Fintech SCB LLC structures the instruments that make cross-border trade safe: documentary credits, standby LCs, bank guarantees, factoring and working capital lines, through correspondent banks in the United States and Europe.

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Trade finance instruments we handle

Documentary credits and guarantees

We match the instrument to the contract and counterparty, drafting wording, conditions and document presentation.

Documentary letters of credit (UCP 600)
Standby letters of credit and on-demand guarantees
Performance, advance payment and bid bonds

Working capital financing

We release liquidity along the trade cycle, from purchase order to collection, with dedicated lines and receivables sales.

Recourse and non-recourse factoring
Forfaiting and bill discounting
Purchase order, inventory and supply chain finance

Country risk, FX and compliance

We de-risk the transaction: currency hedging, credit insurance and sanctions and anti-money-laundering checks.

FX and commodity hedging
Export credit and political risk insurance
Sanctions screening, KYC and customs documentation

Frequently asked questions about trade finance

What is the difference between a letter of credit and a standby LC?: A documentary letter of credit is the payment mechanism for the deal; a standby LC works as a guarantee and is only drawn if the buyer fails to pay.
Do I need collateral to obtain a trade finance line?: Not always. Many lines are self-liquidating, secured by the transaction flows and shipping documents. We assess each case with our partner banks.
Do you work with small and mid-sized companies?: Yes. We handle single smaller transactions as well as recurring programmes for established exporters, with the same compliance standards.

Structure your next transaction

Tell us about the contract, the counterparty and the timeline: we review instrument, bank and costs confidentially.

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Related services

Private banking Trusts & Foundations

Liquidity, regularization and crypto conversion

Five operational areas we handle for individuals and companies, with documented procedures, correspondent banks and international tax advice.

Liquidity management

Cash-flow planning across personal and corporate accounts, selection of custodian banks, holding currencies and short-term instruments to protect purchasing power.

Typical example: A company collecting in three currencies centralises cash in a multi-currency account and sets a periodic conversion plan to cut FX exposure.

Liquidity regularization

Voluntary disclosure of undeclared capital and liquidity: reconstructing the source of funds, building the document file, and liaising with the bank and tax advisers in each country involved.

Typical example: Funds held abroad for years are consolidated into a file with a complete banking trail, so they can be moved to a declared account.

Investment sanctions management

Compliance screening of counterparties, banks and financial instruments against EU, OFAC and local sanctions lists, plus restructuring of frozen or at-risk portfolios.

Typical example: A portfolio holding restricted securities is mapped position by position and reorganised into equivalent unrestricted instruments.

Cash to crypto

Converting cash into digital assets through regulated venues, with KYC/AML checks, custody arrangements and tax reporting of the position.

Typical example: Part of a company's cash is converted into digital assets via a regulated exchange, with institutional custody and monthly accounting statements.

Crypto to cash

Liquidating digital assets into bank accounts: proof of source, choosing a bank that accepts the credit, capital-gains calculation and filing.

Typical example: A multi-year crypto position is cashed out in tranches to a European account, with the purchase chain documented and a capital-gains schedule.

Let's discuss your case

Confidential preliminary review: describe the transaction and receive the documentation path and estimated timeline.

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