Sunday, July 6, 2014

Reasons To Have A Standby Letter Of Credit

By Rosella Campbell


The majority of people who have been in business for a while know that at any moment, things can go wrong with a transaction. No matter how well they have prepared, a minor glitch can interrupt their plans. For this reason, they like having something that they can fall back on. In this way, they ensure that their investment of time and other resources is not wasted. You can get extra security with a standby letter of credit.

In the popular city of Dubai, numerous international trade transactions happen every day. Both parties that are involved in these trades want protection. Whether an individual in Asia seeks to buy products made in the US or vice versa, providing proof that that can pay allows vendors to relax. Vendors can quickly use the document to get cash if vendors have difficulty paying.

Reasonable fees are typically applied when you need this sort of document. The face value is used to determine costs and banks charge around three percent of that. That fee covers all the transactions that you would want to make during a whole year, so you never need to keep going back and getting a new one every time you need to do a new deal.

Qualifying for this kind of standby arrangement is easy once an organization has been conducting commercial transactions for some time. Buyers will need to provide some sort of collateral to their financial institution. This may be machinery, tools or similar physical assets. Cash can be used as well, so if an enterprise has money in a fixed deposit that can be utilized.

Whenever transactions take place across international borders, it is is usually easier for the beneficiary to work with a nearby confirming bank. These financial institutions make payments to the beneficiaries and then collect their money from the banks that represent the buyers. Beneficiaries usually have to pay a small fee for this convenient service.

Beneficiaries do not have to go through a lot of stress to get their money when they use these letters of credit. Once the documents are presented, their funds should be payable immediately on the first request. They do not have to go through a whole lot of processing or even prove that a good relationship exists between them and the buyer.

When buyers use letters such as these, it allows them to free up their cash to be used for other important purposes in their operations. Improving cash flow is an important aspect of successfully running any organization. Improved liquidity leads to flexibility and the ability to respond quickly to changes that may occur.

Standby guarantees really help organizations that want to do business locally or internationally. It does not matter whether a team is interested in seeking deals with government agencies or privately run businesses. These sort of letters can help them to save their cash and provide their partners with proof of their ability to pay under any circumstances.




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