Credit & Structured Finance
Standby Letters of Credit (SBLC), trade finance, bank guarantees, structured credit lines, and documentary credit instruments governed by ICC rules (UCP 600, ISP98, URDG 758).
Irrevocable undertakings issued by banks guaranteeing payment to a beneficiary upon presentation of complying documents. Governed by ISP98 (ICC Publication 590) or UCP 600. Financial and performance SBLC structures available.
First-demand guarantees governed by URDG 758 (ICC Publication 758). Bid bonds, performance bonds, advance payment guarantees, retention bonds, and warranty guarantees. Issued by top-tier international banks.
Documentary credits (L/Cs), L/C confirmation, refinancing, UPAS L/Cs, factoring, forfaiting, supply chain finance (payables/receivables), and structured commodity trade finance. IFC GTFP eligible.
Secured and unsecured credit facilities, revolving credit facilities (RCF), term loans, bridge financing, mezzanine debt, and credit enhancement structures. Bespoke documentation for institutional clients.
| Instrument | Governing Rules | Typical Tenor | Min. Facility | Use Case |
|---|---|---|---|---|
| Standby L/C (SBLC) | ISP98 / UCP 600 | 1-5 years | $1M | Performance / Financial guarantee |
| Demand Guarantee | URDG 758 | 1-3 years | $500K | Bid / Performance / Advance payment |
| Documentary Credit (L/C) | UCP 600 / ISBP 745 | 30-360 days | $100K | Import/export trade settlement |
| L/C Confirmation | UCP 600 | Per L/C terms | $100K | Risk mitigation for issuing bank |
| Revolving Credit Facility | LMA / APLMA | 1-5 years | $5M | Corporate working capital |
| Supply Chain Finance | ICC / ISBP | 30-180 days | $500K | Payables / Receivables financing |
| Structured Commodity Finance | ICC / LMA | 6-24 months | $2M | Borrowing base / Inventory financing |
| Credit Enhancement | ISP98 / URDG 758 | Per structure | $1M | Risk mitigation / Rating uplift |
Supports financial obligations including loan repayment guarantees, commercial paper backstops, and liquidity facilities. Irrevocable and unconditional payment undertaking.
Guarantees non-financial contractual obligations: project completion, service delivery, construction milestones. Reduces need for cash collateral or retention.
Self-executing payment mechanism for debt service, lease payments, or recurring obligations. Beneficiary draws directly upon presentation of complying documents.
Supports tender and bidding processes. Guarantees that bidder will enter into contract and provide required performance bonds if selected.
1-5% of contract value. Guarantees bidder will honour proposal and execute contract. Valid until contract award or bid expiry.
5-20% of contract value. Guarantees complete and timely performance of contractual obligations. Reducing balance structure available.
100% of advance payment amount. Protects buyer against non-repayment of advance. Reduces pro-rata as works are delivered.
Substitutes for cash retention withheld by employer. Enables contractor to receive full payment upon completion. 5-10% of contract value.
| Type | Typical % | Tenor | Rules |
|---|---|---|---|
| Bid Bond | 1-5% | 3-6 months | URDG 758 |
| Performance | 5-20% | Contract + defects | URDG 758 |
| Advance Payment | 100% of advance | Until delivery | URDG 758 |
| Retention | 5-10% | Defects period | URDG 758 |
| Warranty | 2-5% | Warranty period | URDG 758 |
Irrevocable undertaking by issuing bank to pay seller upon presentation of complying documents. UCP 600 governed. Sight and usance structures available.
Adding bank's confirmation to L/C issued by another bank. Mitigates issuing bank and country risk. IFC GTFP partial/full guarantee eligible.
Usance L/C with banker's acceptance. UPAS (Usance Payable at Sight) structures enable deferred payment with immediate seller funding.
Payables finance (approved payables financing) and receivables finance (invoice discounting, factoring). Technology-enabled via CRXMarkets, Demica, PrimeRevenue platforms.
AEGIS originates transactions eligible for IFC GTFP risk mitigation. Partial/full guarantees covering payment risk on confirming banks in emerging markets. Transaction-specific with 24-48 hour SWIFT-based processing.
Flexible committed credit line. Draw, repay, redraw within facility limit. LMA standard documentation. £5M-£100M. 1-5 year tenor.
Amortising or bullet repayment structures. Secured or unsecured. Senior or subordinated. Investment grade and non-investment grade pricing.
Interim capital for acquisitions, project milestones, or liquidity gaps. Repaid from permanent financing, asset sale, or operational cash flow.
Partial credit guarantees, first-loss structures, liquidity facilities, and wrap guarantees. Enhances debt rating and borrower access to capital markets.
| Facility Type | Margin (p.a.) | Arrangement Fee | Commitment Fee |
|---|---|---|---|
| Senior Secured RCF | SONIA/SOFR + 150-250bps | 0.5-1.0% | 30-40% of margin |
| Senior Term Loan | SONIA/SOFR + 200-350bps | 1.0-1.5% | N/A |
| Subordinated/Mezzanine | 8-15% fixed | 1.0-2.0% | N/A |
| Bridge Loan | SOFR + 300-500bps | 1.0-2.0% | 40-50% of margin |
AEGIS Credit Facilities Desk. Instruments governed by ICC rules (UCP 600, ISP98, URDG 758, ISBP 745).
All transactions subject to KYC/AML clearance, credit approval, and regulatory compliance.
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