If you are qualified, we can provide all the collateral you need!



We lend highly rated Securities in the format of an SBLC or BG to back up your Credit Line enabling Liquidity and Project Finance. If you are qualified, we can provide all the collateral you need, and you pay against delivery and verification!

We provide valid andfully checkable genuine financial collateral (in the form of an SBLC or BG) without front fees for clients of substance, starting an additional project or business for which collateral is required until the project represents sufficient collateral by itself.

Securities borrowing and lending explained in a typical scenario. A client asks his bank for a loan. The banker is supportive and would like to help. The bank requests (additional) collateral to grant the loan and for the client to trigger liquidity.

We provide such highly rated collateral for an agreed period of time (350 days at a time, with the possibility to renew) through a 365 day valid Prime Bank Stanby Letter of Credit or Bank Guarantee, fully cash backed, divisible and assignable, emitted on the basis of highly rated securities purchased for you and materialized through a Securities Borrowing and Lending transaction.

The consent from the client’s receiving bank is essential.  If the client’s bank would issue or endorse any of the 4 conditional payment methods ICPO, Promissory Note, conditional SWIFT MT103, conditional DLC SWIFT MT 700, but not provide a confirmation for the safe return of the collateral after the agreed term, then we can still help if optionally the client insures the risk before the transaction is started and the collateral is provided via SWIFT MT760.

Download the Terms Sheet and Procedures for Qualified Clients here.

Download the Business Support Contract to start your transaction here.

Procedure of a Securities Borrowing and Lending Transaction for qualified clients

  • Business Support Contract (BSC) signed by client to arrange emission of the SBLC as to the following steps. If the client is not fully qualifed, then the steps as described under “Read more” apply and have to be followed.

For your transaction highly rated Securities will have to be reserved and purchased. To enable this process, a call option has to be placed on financial markets. For any qualified client, we are prepared to advance this on behalf of a client of substance. You may need to place the Euro 30,000 retainer/call option fee if you are not fully qualified and if your business cannot evidence to be of substance and is well established since years:

If your company does not evidence an established active commercial or financial business and you do not have audited accounts

If your audited accounts and annual revenues for the past fiscal years, do not equal to the face value (or more) of the guarantee instrument that is requested

If audit was not performed or is endorsed by a major and internationally recognized firm

THIS IS A NO FRONT FEE TRANSACTON The instrument lending fee is paid by your receiving bank only once the SBLC or BG has been delivered to the receiving bank via SWIFT MT760 and has been verified upon receipt. Not before. If a BORROWER proves to be of substance (see above), and through relevant audited accounts, the INSTRUMENT RESERVATION FEE (as to PARAGRAPH 6.03 of the Business Support Contract) is being advanced and paid by the FACILITATOR for the BORROWER. This makes this facility an absolutely no front fee transaction for any qualified BORROWER. If you are a client of substance, then you can skip this part and hit “READ LESS”. If not, then these steps of the procedure apply:

  • The facilitator’s invoice for the refundable retainer / call option fees in the amount of Euro 30,000 is transmitted to the client (you) and the clients transfers the retainer / call option fees or arranges a new bank account, in a new bank, and arranges a relevant and acceptable bank undertaking.
  • Upon receipt of the refundable retainer, (or the arrangements as described HERE ), the contract is considered accepted and validated and the Facilitator countersigns the BSC.
Read more
  • Facilitator arranges the Securities Borrowing and Lending Agreement within 5 days
  • The client has 20 days to arrange the conditional payment undertaking for the lending fees and transmit it as to instructions of the Securities Borrowing and Lending Agreement
  • Once the conditional payment instrument is received, both bank start communication for the delivery of the instrument SWIFT MT760
  • SBLC is emitted and sent to the client’s receiving bank accordingly
  • Following receipt and verification, the payment of the lending fee is released.

Download the full step by step explanation PDF of the procedures here to read offline!


We prefer to work with qualified clients. Chances to materialize a transaction can be very high. If a client is not of substance, chances are high that there is a lot of work for all parties involved and in the end, no result. If you would like to discuss options and possibilities you could be qualified for and an immediate transaction, please use the reply form, or call 00353 86 03 25 153. This number also works on Whatsapp, Signal, Telegram and WeChat.


Principles of Project Finance 1/3

The need for Guarantees to enable Funding and Project Finance. Project finance is a method of raising long-term debt financing ...
Read More

Common Aspects of Project Agreements 2/3

There are important issues which are common to any of these types of Project Agreement, namely: contract term, Payment Mechanism, ...
Read More

Project Finance and Financial Structuring 3/3

The need for Guarantees to enable Funding and Project Finance (3 of 3). Financial-structuring issues are likely to arise once ...
Read More

Does your own banker ask for a collateral “PRE-ADVICE”?

Your banker would provide you with funding if you came up with collateral? Would he be happy to help if ...
Read More

So you are qualified to receive a loan or borrow a bank instrument?

So you are qualified to receive a loan or borrow a bank instrument? When you seek credit support, is your ...
Read More

Validity Term in a Borrowing and Lending Transaction

ICC 600 URDG 758 and ISO15022International Chamber of Commerce (ICC) and International Organization for Standardization (ISO) In a Borrowing and ...
Read More

This is how you can pay for Borrowing and Lending fees only after 180 days!

We deliver a highly rated Financial Instrument to you now, and you only pay for it later!   With the ...
Read More

In a Back-to-Back transaction you can issue your own bank guarantee instrument!

When negotiating terms to issue a bank guarantee instrument with any bank, a BG or an SBLC for a certain ...
Read More

Why there is a Reservation Call Option Fee requirement?

A client will have to have a complete understanding of the transaction basics and know how we generate genuine instruments ...
Read More

What do you need to borrow genuine and verifiable Prime Bank collateral?

What do you need to borrow genuine and verifiable Prime Bank collateral? The consent of your bank to issue a ...
Read More

This is how you can get a Loan to start your Project right now

Do you need a Business Loan, or would like to start a Project right now? You have a bank, an ...
Read More

How to rent Financial Capacity to leverage your Investment Possibilities

You can now rent financial capacity and leverage your investment possibilities and benefit from high yielding Private Placement Programs!   ...
Read More

These Bank Guarantees support Commodity Trading in Bulk

Bank Guarantees support Commodity Trading in Bulk How to issue an SBLC to your commodities seller on a back to ...
Read More

This monetizer can fund against borrowed financial Prime Bank collateral

Monetization can be a great way to get a project in funds and there are clients served who are successful ...
Read More

The aim of our Bank Guarantee Collateral Program

Bank Guarantees are powerful collateral for an agreed upon period of time, provided on the basis of collateral borrowing and ...
Read More

Steps to a successful transaction.

This summary explanation is available for educational purposes only and explains how Securities Borrowing and Lending is utilized by qualified ...
Read More

If you are qualified, we can provide all the collateral you need!

  We lend highly rated Securities in the format of an SBLC or BG to back up your Credit Line ...
Read More

Why should a client be qualified to receive a multi million Euro bank guarantee instrument?

The instrument that you probably seek should be valid and fully verifiable, correct? If an instrument is genuine it is ...
Read More

The way you can expect a third party to provide you with a valid, fully verifiable cash backed, divisible and assignable Bank Instrument.

If you are interested to obtain a valid fully verifiable Bank Guarantee instrument from a third party to trigger a ...
Read More

Pennies can help you access valid BG or SBLC collateral – issued for you on the back of highly rated, verifiable and publicly listed Securities

You are in contact with us, probably since the banks you deal with do not provide a bank guarantee service ...
Read More

“Solving financial issues through Credit Enhancement”

You can directly download the Summary of the eBook "Solving financial issues through Credit Enhancement" by Geordon Saraveloz here You ...
Read More

Here is how you can access Credit Enhancement

Credit Enhancement and what is available in your situation?Here you will learn about terms and concepts and available working procedures ...
Read More

The Leverage Effect.

Opportunity explained: The Leverage Effect. In business, credit enhancement is usually applied to make a company more creditworthy to reduce ...
Read More

This is the bank that has never asked for any money in advance!

This is the bank that has never asked for any money in advance! – Isn’t that really good news?   ...
Read More

Prime Bank Instrument without advance fees. This is how we even advance the call option fees for you and issue a Prime Bank instrument for you!

There is a call option fee to be placed for this transaction to block the securities which build the basis ...
Read More

Questions about the Bank Guarantee instrument that you seek

QUESTION: Are you looking for a prime Bank Instrument? An instrument issued by a top World Bank or can we ...
Read More

You expect this Service on your Terms?

Our “proven-way-to-success” terms guarantee a successful closing! If you need funds, you first ask your own bank, obviously. Banks are ...
Read More

Why should a client provide a Mandate and place a retainer to get a bank instrument and credit enhancement service?

Good question - easy to be answererd. I am in this business since over 40 years and my sources are ...
Read More

Prime Bank Guarantee Instruments

We are the experts to structure and emit your Prime Bank Instrument. Our Bank Guarantees and Standby Letters of Credit ...
Read More