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 for you. If none of your own banks provides you with a bank guarantee in the millions for you to trigger a credit line, then this is for you. We can help, emit and access a valid and verifiable fully cash backed divisible and assignable bank instrument issued by a major world bank and send it to your own bank.

If it is your intention to use this instrument as collateral for an agreed upon lending term, you create a financial risk and a multi million Euro financial obligation. Buying securities for your transaction also requires a financial engagement of our investors. There is the risk involved through the emission up to the face value of an SBLC or a Bank Guarantee. You probably do not have the liquid funds to buy the securities, and you probably cannot account for such risks. You ask a third party, the issuer of the instrument, to carry exactly that risk.

Your aim is to receive a multi million Euro bank guarantee instrument. We can arrange this for you based on purchasing highly rated listed securities to materialize your transaction. These securities are purchased by our High Net Worth investors. On the back of these newly purchased securities, which you borrow from our investors, and our investors will lend for your transaction, we emit a valid Bank Guarantee or Stanby Letter of Credit for you.

The instrument that you seek is emitted on the basis of these securities which will be purchased for your transaction, and on the liquid cash our investors provide enabling the subsequent emission of your cash backed BG or SBLC.

The transaction procedure to issue a valid and verifiable bank guarantee instrument for you has several steps and there are two contracts involved. Everything starts by contracting directly with the Facilitator through the Business Support Contract.

If you are not a well established company with annual revenues in excess of the face value of the instrument that you seek, the Business Support Contract will be assessed for acceptability. If the Facilitator is prepared to accept you as a client, he will countersign the contract and issue an invoice for a “Fully Refundable Retainer” in the amount of thirty thousand Euros. This retainer is required to reserve and buy the underlaying securities for your transaction.

The receipt of the retainer will bring your transaction into the second stage in which the “SECURITIES BORROWING AND LENDING AGREEMENT” can be issued. Through this contract the process of buying specific securities for your SBLC emission and to lend these securities to you for the agreed upon term is initiated. These specific securities will initially have to be reserved for 20 days through a call option that is placed by any of the securities dealers the Facilitator will employ to work your transaction.

The Facilitator releases this fee as to the procedures and terms of the Business Support Contract for and on your behalf at the appropriate time. This fully refundable retainer assures that the securities dealer does not have to purchase securities for your transaction in the millions and be left with the securities and the transaction costs in case you would not be able to comply with your obligations to provide the conditional payment of your receiving bank within the following 20 days.

But let me be clear: A commitment fee of just thirty thousand Euros will not pay for the emission of a multi million Euro bank guarantee instrument for you. Only the conditional payment that you promise to provide through your receiving bank can do that. The commitment fee will just enable the next steps, the emission of the Securities Borrowing and Lending Agreement and to access this multi million Euro collateral service you ask us for.

Once you have committed yourself to the transaction, the securities will initially be reserved to be purchased for your transaction. If you have provided all required basic information through the Business Support Contract, compliance of the issuing bank will assess your file for AML regulations and perform Due Diligence. As a part of this process, they will check your customer risk profile to determine how likely they are going to be involved in activities that expose the issuing bank to risk. If you have not been hiding any eventual “issues” in your application and KYC documents, your transaction should pass compliance. This will also enable and start positive communication between the issuing bank and your receiving bank. The entire transaction is handled on a bank to bank basis.

The emission of a multimillion Euro SBLC or Bank Guarantee for you will depend on your capacity to provide the agreed conditional payment instrument from your receiving bank. Please remember, this has to be provided within the agreed period of 20 days after signing the Securities Borrowing and Lending Agreement, the second contract, and the reservation of the securities for the emission of the SBLC through your financial commitment for that.

I trust that I have been able to provide you with a clearer view of the risks involved, risks the facilitator will carry for qualified clients and how a really small commitment fee can help

• enable the emission process of a multi million Euro financial instrument
• sent to your collateral benefit
• for the agreed upon period of time
• to your receiving bank.

Please remember that the commitment fee will have to be placed only if a client does not run a substantial business with annual revenues in excess of the required bank instrument face value. Also if you are not such a qualified client, we can help. But in that case, you will have to provide a small Commitment Fee. If you would like to discuss any of these options for your immediate business, please use the reply form, or call 00353860325153 This number also works on Whatsapp, Signal, Telegram and WeChat.


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 ...
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

SBLC and BG Transactions, Requirements and Considerations

Transaction Have you negotiated a credit line with your bank? We can arrange collateral you may need to trigger and ...
Read More

The Business Support Contract is a no front fee transaction!

This is a no front fee transaction for qualified clients and companies of substance. THIS IS A NO FRONT FEE ...
Read More

POF Proof of Funds and BCL Bank Comfort Letter explained by Geordon Saraveloz

A bank confirmation letter (BCL) or a Proof of Funds letter (POF) is a letter from a bank or financial ...
Read More

BG – Bank Guarantee explained by Geordon Saraveloz

A bank guarantee is a type of financial backstop offered by a lending institution. The bank guarantee means that the ...
Read More

SBLC – Standby Letters of Credit explained by Geordon Saraveloz

A standby letter of credit (SBLC) is a legal document that guarantees a bank's commitment of payment to a seller ...
Read More

LC and DLC – Letter of Credit and Documentary Letter of Credit explained by Geordon Saraveloz

A documentary letter of credit serves as a written promise of payment provided by a buyer to a seller. With ...
Read More

Considerations – Leasing Financial Instruments

Considerations if you are looking into leasing a financial instrumentImagine there is a very wealthy investor with Euro 10 million ...
Read More

Do you need an SBLC or a Bank Guarantee to back up a loan?

You have a bank willing to extend a loan to you? This is how we can help clients with an ...
Read More

A completely “No Front Fee” SBLC/BG Transaction for any Qualified Client based on a Business Support Contract

A completely “No Front Fee” Transaction for any Qualified Client based on a Business Support Contract IF A QUALIFIED CLIENT ...
Read More

Do you have an established business and want to start a project and require a loan for your business?

You obviously will talk to your bank and since they know you, they probably like to work with you. But ...
Read More

Borrowing and Lending of Securities

You now can borrow listed and highly rated securities for your credit enhancement. Obviously, this is not the usual broker ...
Read More

Credit Enhancement and Guarantees

Pre-Financing Guarantee Funding is based on a corporate guarantee service available for qualified ventures with a low budget. This is ...
Read More

Borrowing listed Bonds, MTNs and other Securities

to generate a valid SBLC or BG. Through this concept you can borrow live instruments, listed Bonds, MTNs and other ...
Read More

What is behind a Securities Borrowing and Lending transaction?

The secondary market is defined as a marketplace where financial instruments that have already been issued are bought and sold ...
Read More