Frequently Asked Questions

Finhanced Inc. is an independent trade finance advisory and arrangement firm. We help businesses and institutional clients structure financial instruments — such as Standby Letters of Credit (SBLCs), Bank Guarantees, and Letters of Credit — through our relationships with regulated banking institutions worldwide.

No. Finhanced Inc. is an advisory and arrangement firm. We are not a bank, lender, or financial instrument issuer. All financial instruments are issued by regulated third-party banking institutions subject to their own independent approval and compliance processes.

Finhanced Inc. is headquartered in New York, USA, with operations serving clients across North America, Europe, the Middle East, Africa, and Asia-Pacific.

We serve commodity traders, importers, exporters, project developers, construction firms, energy companies, and any business that requires international trade finance instruments or cross-border payment guarantees.

SBLCs are highly secure instruments issued by banks to guarantee payment. They are governed by ICC rules (ISP98 or UCP 600) and provide strong protection for all parties involved in a trade transaction.

Yes. SBLCs can be monetized through non-recourse funding, typically at 60% LTV for leased instruments and 80% LTV for purchased instruments, within 5–7 banking days.

A standard LC (Letter of Credit) can be drawn upon during a trade transaction — it's a payment mechanism. An SBLC (Standby Letter of Credit) is only invoked upon default — it acts as a safety net. A Bank Guarantee (BG) typically protects only the buyer, while an SBLC can protect both parties depending on the type issued.

The beneficiary can sell or assign rights to proceeds from an SBLC. However, the original beneficiary remains the only party who can demand payment directly from the issuing bank.

No. An SBLC is an irrevocable document and cannot be canceled without the explicit consent of all parties involved in the transaction.

In practice, all legitimate SBLC issuances require some form of upfront commitment. Claims of zero upfront cost should be approached with caution, as the issuing bank always requires security or fees.

Trade finance refers to the financial instruments and products used to facilitate international trade and commerce. It bridges the gap between exporters and importers by reducing the risk of cross-border transactions through instruments like letters of credit, bank guarantees, and trade insurance.

Financial instruments are delivered via SWIFT messaging (MT760 for SBLCs, MT799 for pre-advice) from the issuing bank directly to the beneficiary's bank. The entire process is bank-to-bank and follows established international banking protocols.

We structure instruments primarily in USD, EUR, and GBP, though other major currencies can be accommodated depending on the issuing bank and transaction requirements.

The Miami Trade Gateway is a Finhanced-backed venture that operates as a full-corridor agricultural commodity trading and logistics platform, connecting Brazil's world-leading agricultural surplus to high-growth import markets in Southeast Asia across sugar, corn, soybeans, and rice corridors.

Through the Miami Trade Gateway, we facilitate trade in refined and raw sugar (ICUMSA 45, 150, 3500, VHP), corn products (meal, starch, germ meal), soybeans, white rice, and copper powder. All commodities are sourced from verified Brazilian suppliers with full documentation.

All commodity trades are secured via Letter of Credit at sight (LC at sight), with payment guaranteed by the buyer's bank. Finhanced provides the SBLC structuring and LC management infrastructure to enable secure, large-scale commodity transactions.

Contact us via our website form, email (info@finhanced.com), or phone (+1 516 915 8477) for a confidential initial consultation. We'll assess your needs, explain the process, and outline next steps — typically within one business day.

Standard requirements include corporate registration documents, proof of identity for directors/UBOs, bank reference letters, a description of the intended transaction, and any relevant trade contracts. Specific requirements vary by instrument type and issuing bank.

Typical timelines: Initial consultation (1–2 days), KYC/due diligence (5–10 business days), instrument structuring and bank coordination (5–15 business days), SWIFT delivery (1–3 business days). Total: approximately 2–4 weeks from engagement to delivery, depending on complexity.

Finhanced Inc. provides services exclusively to businesses, institutional clients, and accredited investors. We do not offer consumer financial products or retail banking services.