Complete Non-Recourse Bank Guarantee Monetization for Leased BGs.

A non-recourse loan is a type of loan where the lender’s recovery options are limited to the collateral securing the loan. If the borrower defaults, the lender can seize the collateral but cannot pursue the borrower for any additional compensation, even if the collateral’s value is insufficient to cover the full loan amount. This means the lender has no “recourse” beyond the collateral.

Key points about non-recourse loans:

• Collateral-based: The loan is secured by specific assets, such as real estate or equipment.
• No personal liability: The borrower’s personal assets are not at risk; only the pledged collateral is.
• Common in real estate: These loans are often used in commercial real estate transactions, where the property itself is the collateral.

While non-recourse loans offer less risk to borrowers, they usually come with stricter qualification requirements or higher interest rates to compensate the lender for the additional risk.

A Line of Credit (LOC) is a flexible loan arrangement that allows individuals, businesses, or institutions to borrow up to a predetermined limit, withdraw funds as needed, and repay them either in full or in installments over time. The borrower can access the available credit at any time, as long as the maximum limit is not exceeded.

Here’s a breakdown of how a Line of Credit (LOC) works:

Key Features of a Line of Credit (LOC):

1. Credit Limit: A set amount of money that you can borrow up to but not exceed. You can withdraw funds as needed up to this limit.
   
   
2. Revolving Credit: As you repay the borrowed amount, the credit becomes available again, similar to how a credit card works. For example, if you have a $10,000 credit line and use $2,000, you can still access $8,000. After repaying the $2,000, the full $10,000 becomes available again.
   
   
3. Interest: You only pay interest on the amount you borrow, not on the full credit limit. Interest rates are usually variable and can fluctuate over time.
   
   
4. Flexible Repayment: You can often repay in smaller amounts over time (subject to minimum payment requirements), but some LOCs may have specific repayment terms.
   
   
5. Secured vs. Unsecured:
   • Secured LOC: Backed by collateral such as property, savings, or investments. This can lower the interest rate.
   • Unsecured LOC: Not backed by collateral, which usually means higher interest rates due to the increased risk to the lender.

Types of Lines of Credit:

• Personal Line of Credit (PLOC): Used by individuals for personal needs such as home improvements or emergencies.
  
  
• Business Line of Credit: Used by businesses to manage cash flow, purchase inventory, or fund operational needs.
  
  
• Home Equity Line of Credit (HELOC): Secured by the equity in your home, often used for large expenses like renovations.

A Line of Credit is a useful financial tool for managing variable cash needs, offering flexibility and control over how and when funds are used.

Monetization with us requires a secure LOC which the instrument is swift to through MT760, the LOC is what monetizes the instrument or fund the client via the Non-recourse route.

We offer 1 types of Bank Guarantee Monetization settlement methods:

Bank SWIFT 

We use the Bank SWIFT Network to have the Bank Guarantee (BG) delivered Bank to Bank using SWIFT MT799 followed by SWIFT MT760.

Aramco Capital Bank Guarantee Monetization services are ideal for clients looking to Discount, Monetize, or create an immediate Non Recourse loan against a Leased Bank Guarantee (BG) that they control. The Bank Guarantee Monetization process for Leased Bank Guarantees (BG) issues Non Recourse funds to the Client shortly after the Bank Guarantee (BG) is delivered to the Monetizer.

Important: Our contracts also include the monetizer returning the Leased Bank Guarantee (BG) to the Issuing bank 15 days prior to the Bank Guarantees (BG) expiration. This is a critical requirement from most Leased Bank Guarantee Issuers.

Bank Guarantee Monetization LTV: Leased Bank Guarantee.

• $10 to $50M Bank Guarantees – 15% to 25% Non-Recourse.
• 50M+ Bank Guarantees – 25% to 55% Non-Recourse.
• LTV is dependent on the Issuing bank Rating and is likely to grow.

Estimated Completion Time:

• 7 to 14 Days after all documents are signed and verified or 3 to 4 Days After Instrument Delivery on SWIFT.
• We do not offer Euroclear Monetization.
  
  
  
  

  Monetization Requirements.

• A Line of credit Account Opening.
• Client Checking or Current Account Opening.

Note: Without a Client Line of Credit Account, Monetization is impossible. If you wish to monetize your Instrument with us, Please contact us for LOC requirements. Please read more here

Brokers & Consultants:

• Always 100% Protected with our Fee Protection Agreement
• Commission is free, clean and clear from any tax.
• Commission is paid directly to Brokers Account, No Third Party pay Master.
• We offer only 1 Master Broker License Per Country and 3 Sub Brokers Per Country
• Register here as a Broker now!

Closing Process – SWIFT

1. After execution of the Bank Guarantee Monetization contract by both parties the Client will instruct his bank to send SWIFT MT799 to the bank coordinates provided by the Monetizer.
   
   
2. The Monetizers bank on receipt of the SWIFT MT799 from the clients bank will reply with a SWIFT MT799.
   
   
3. On receipt of the Monetizers bank SWIFT MT799 the Clients bank will deliver the Bank Guarantee (BG) by SWIFT MT760 to the Monetizers bank.
   
   
4. Upon receipt, confirmation and delivery of the SWIFT MT760 the Bank Guarantee Monetizer will within maximum four (7) banking days grant a Non Recourse Loan for the LTV as agreed from its nominated bank to the Client.
   
   
5. The Bank Guarantee Monetizer agrees to return the Bank Guarantee (BG) unencumbered fifteen (15) calendar days before the 1 year anniversary of the signed contract between the parties.

Example:

The Bank Guarantee (BG) is issued with a Value of: $100,000,000.00

The Bank Guarantee Monetization (BG) is Non Recourse at 35% LTV being: $45,000,000.00

The Client is paid $45,000,000.00

Top 6 Reasons Why Aramco Capital Trading is #1

1.       An Aramco Trading Company.
2.       Funded by Oil Rich Saudis.
3.       Your Privacy is our Priority.
4.       Our Integrity is Non Negotiable!
5.       We are the Provider for up to 99% of Deals in the market.
6.       We Operate our own Private Placement Program & Account Management Systems.

CONTACT US HERE to request more information about Our Monetization and Application form.

Critical Compliance Criteria:

• Accepted Criteria: The Leased Bank Guarantee (BG) MUST be from a Rated Bank and Delivered by SWIFT.
• Rejected Criteria: Any Leased Bank Guarantee (BG) on the Banned Assets or Banned Providers List is Rejected.

Client Standards:

Aramco Capital Trading requires clients meet key standards and pass compliance in order for us to consider working with them. We do not accept all clients because doing business with Aramco Capital Trading is a unique Privilege given solely to real, genuine, authentic clients, not a Right that is attainable by all. View our required Client Standards here.

Summary:

We solely deal with real deals, real people and real Leased Bank Guarantees (BG) that need real Bank Guarantee Monetization. the Bank SWIFT Network is the Gold Standard that validates that your Leased Bank Guarantee (BG) is real and it provides a respected industry platform where guaranteed settlement can be facilitated. Close your successful transaction with Aramco Capital Trading.

With Years of Finance Trading and Oil Industry Experience, Aramco Trading Executive Team understands the Banking Industry from the Trading Perspective, because members of our Executive worked in the Financial Instruments Department of a World Top 100 Bank. We can Achieve Results others can’t because we understand from the Inside, what it takes to close a deal from the Outside!