Business Loan Guarantee Term Sheet

Indicative Term Sheet

Business Loan Guarantee

Asset-backed credit support for established businesses that need additional credit enhancement to obtain or improve the terms of a commercial debt facility.

We structure the debt package, coordinate the collateral support and independent guarantor capacity, and manage the process through issuance and lender introduction. Where required, the structure may include an ISP98 standby letter of credit or a URDG 758 demand guarantee.

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Container port with cargo vessels, freight containers and maritime infrastructure

Indicative Commercial Terms

Core Structure

Final terms depend on the underlying facility, borrower credit, guarantor capacity and lender requirements.

Face Amount USD 1M – 50M

Per transaction, subject to guarantor and bank capacity.

Arrangement Fee 3.25%

USD 32,500 per USD 1 million of guarantee face amount.

Typical Tenor 12 – 60 Months

Normally aligned with the tenor of the underlying loan.

Coverage Full or Partial

Sized to the portion of lender exposure requiring support.

Instruments ISP98 / URDG 758

Standby LC or demand guarantee where required by the lender.

Eligible Facilities Commercial Debt

Working capital, trade, acquisition, project, CAPEX and bridge debt.

Repayment Borrower Obligation

The borrower remains primarily responsible for the underlying loan.

Payment Pre-Payment

Arrangement work begins after the agreed fee has been received.

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Submit Your Financing Requirement

We review the borrower, facility amount, use of proceeds, repayment source and required credit support before confirming whether the transaction is suitable for the programme.

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Typical Applicant Established Commercial Borrower

Applicants should have a defined financing requirement, sufficient financial information for underwriting, transparent ownership and an allocated advisory budget.

Important: Financely acts as arranger and advisor on a reasonable best-efforts basis. Financely does not itself issue the guarantee or provide the underlying loan. Guarantee issuance and financing remain subject to independent guarantor, bank and lender approval.