This document provides an overview of a company that specializes in trade finance and investment finance. It outlines the company's introduction, importance of trade finance, offices locations, network of agents, ideal clients, competitive advantages, services, and process. The company works to expand trade finance services globally and provides financing options like letters of credit, guarantees, and bonds to importers and exporters.

1. PRESENTATION
CLIENT

2. CONTENTS
• INTRODUCTION
• IMPORTANCE OF TRADE FINANCE
• ABOUT US
• OFFICE LOCATIONS
• NETWORK OF AGENTS OPERATING IN THE FOLLOWING COUNTRIES
• WHO IS AN IDEAL CLIENT FOR US
• OUR COMPETITIVE ADVANTAGE
• WHY WORK WITH US INSTEAD OF A BANK?
• THE PAYMENT OF FEES
• SERVICES
• THE PROCESS
• ISSUERS
• FREQUENTLY ASKED QUESTIONS
• CONTACTS

3. INTRODUCTION
As Trade Finance and Investment Finance Specialists we are
committed to service excellence and innovation.
Our primary objective is to expand our service offering across
the globe!
WE SPECIALISE IN:
1) Trade Finance
2) Investment Finance

4. IMPORTANCE OF TRADE FINANCE
• The reason Corporates have returned to documentary letters
of credit is simple: the need for certainty of payment in
volatile markets and, more importantly, an immediately
accessible source of working capital where other sources are
constrained
• Global Financial Crisis
• Banks do not have the liquidity of the past and can no longer
give credit lines to SME’s companies that import or export

5. ABOUT US
TRADE FINANCE
• *Definition: Trade Finance: Trade finance is related to international trade.
While a seller (the exporter) can require the purchaser (an importer) to prepay for
goods shipped, the purchaser (importer) may wish to reduce risk by requiring the
seller to document the goods that have been shipped.
Banks and Financial Intermediaries may assist by providing various forms of support.
For example: the importer's bank may provide a letter of credit to the exporter (or
the exporter's bank) providing for payment upon presentation of certain documents,
such as a bill of lading. The exporter's bank may make a loan (by advancing funds) to
the exporter on the basis of the export contract.

6. ABOUT US
COMPANIES THAT FALL INTO OUR BUSINESS GROUP INCLUDE:
1. Suisse Credit Bancorp: www.suisse-credit-bancorp.ch
2. Point Bank: www.scpbank.com
3. Suisse Credit Capital Ltd New Zealand: www.suissecreditcapitalnz.com
4. Suisse Credit Capital Ltd: www.suissecreditcapital.com
5. Dorax Investment Company Limited: www.dorax-investments.com
6. Credit Boston International: www.creditbostoninternational.com
7. Corporate International Bureau of Commerce Alliance Group Ltd (CIBC Ltd):
www.cibcag.com
8. Credit Lyonne Trade Finance: website under construction
9. CIBC AG CY LTD: website under construction

7. OFFICE LOCATIONS
• CYPRUS – ADMINISTRATIVE HEAD OFFICE
• FRANCE
• CHINA
• GERMANY
• UNITED KINGDOM
• RUSSIAN FEDERATION
• NEW ZEALAND

8. NETWORKOFAGENTSOPERATINGINTHEFOLLOWING 30COUNTRIES
• CYPRUS
• INDIA
• UNITED ARAB EMIRATES
• INDONESIA
• MALAYSIA
• GREECE
• BULGARIA
• USA
• CANADA
• SINGAPORE
• FRANCE
• CHINA
• GERMANY
• UNITED KINGDOM
• RUSSIAN FEDERATION
• NEW ZEALAND
• BELGIUM
• UZEBEKISTAN
• KAZAKSTAN
• AFGANISTAN
• UKRAINE
• GEORGIA
• ROMANIA
• GHANA
• SOUTH AFRICA
• TURKEY
• SLOVAKIA

9. WHO IS AN IDEAL CLIENT FOR US
ORGANISATIONS REQUIRING CREDIT LINES (IMPORTERS AND EXPORTERS)
Examples of types of transactions this year so far include:
• Purchase of car batteries from Indonesia to Greece – issued LC of USD 1.4
• Purchase of clothing from China to Greece –– issued LC of USD 1.2 million
• Letter of Guarantee from UK to Serbia – USD 2 Million
• Purchase of rolled steel sheets from China to Indonesia – issued LC of USD
300 000
• SBLC – from Tanzania to India for expansion of construction project - USD 10
million
• Purchase of Vehicles from UK to Ghana – Letter of Guarantee - USD 6.5
million

10. WHO IS AN IDEAL CLIENT FOR US
As there are huge volumes of imports and exports flowing from
most regions of Asia, as well as Africa – our primary focus are
these regions.
We have very established credit lines through banks in China;
India, Turkey, South Korea, Hong Kong, Taiwan and Malaysia
who can efficiently assist with companies requiring any kind of
products from these regions.

11. OUR COMPETITIVE ADVANTAGE
• Minimum to zero, cash cover or material collateral required –
allowing your business to maintain its liquidity: only against
promissory notes and personal guarantees and trade credit
insurance
• Due to financing of up to 100% of costs – providing
organizations unlimited growth opportunities
• Highly flexible financing options available
• An independent financing source empowering borrowers to
negotiate better terms with suppliers
• Tailor-made funding to meet specific business needs

12. WHY WORK WITH US INSTEAD OF A BANK?
• WE ARE CHEAPER THAN BANKS
• WE DON’T BLOCK OFF YOUR WORKING CAPITAL
• BANKS ARE NOT SUPPORTING SME’S DUE TO THE FINANCIAL
CRISIS – WE ARE!
• MORE FLEXIBLE PAYMENT TERMS THAN BANKS
• FASTER THAN BANKS

13. THE PAYMENT OF FEES
• We charge a very competitive commission fee for use of our
instrument
• This fee is paid in ADVANCE and the financial instrument is issued
within 1 to 5 working days upon receiving payment
• The Client Service Agreement – is the contract that includes all the
client details and confirms the fees charged as well as terms and
conditions
• In cases where clients do not have an established relationship with
us – we offer an Escrow service for commission payment to secure
both parties. Please note the escrow agent is appointed by our
organization in ALL cases.
• It is best to advise your clients that quotations for fees can take 24 to
48 hours

14. SERVICES
We have the following services on offer
A. FINANCIAL INSTRUMENTS
B. SWIFT SERVICES
C. SOURCING
D. TRADE CREDIT INSURANCE

15. A: FINANCIAL INSTRUMENTS
We offer a number of bespoke financial instruments including:
• Letters of Credit (LC)
• Stand-by Letters of Credit (SBLC)
• Letters of Guarantee (LG)
• Performance Bonds (PB)
• Proof of Funds (POF)
• Pre-advice
SERVICES

16. B: SWIFT SERVICES
• SWIFT is the Society for Worldwide Interbank Financial
Telecommunication (www.swift.com), a member-owned
cooperative.
• The majority of international interbank messages use the SWIFT
network. SWIFT links more than 9,000 financial institutions in 209
countries and territories, who were exchanging an average of over
15 million messages per day allowing businesses to conduct their
operations with speed, confidence and reliability.
• Our group of companies have access to SWIFT capability allowing for
the transmission of secure financial messages across the globe.
• We have RMA’s with over 400 banks around the world
SERVICES

17. B: SWIFT SERVICES
ROUTING OF MESSAGES & RMA’s
• Relationship Management Application (RMA) is a
service provided by SWIFT to manage the business
relationships between financial institutions
• RMA operates by managing which message types are
permitted to be exchanged between users of a SWIFT
service
SERVICES

18. C:TRADE CREDIT INSURANCE
• We are now offering our clients the opportunity to establish credit limits for their
companies.
• What does this mean? Basically, it means that we have insurance brokers/underwriters that
will provide an insurance policy for a secured amount. In the case of a possible default from
the client, we have an insurance policy as security.
OUTLINE OF PROCEDURE
STEP 1
1) provide past 3 years audited balance sheets
2) provide contracts ( invoices) for respective transaction
3) company registration documents & articles of association
4) Full detailed description of the transaction
5) Draft of the financial instrument
STEP 2
Credit Insurance company require 3-4 weeks to assess and establish the credit limit
STEP 3
On Acceptance of the transaction = Payment of premium + fee for financial instrument
Step 4
Issue of financial instrument
SERVICES

19. C:TRADE CREDIT INSURANCE
BENEFITS
• Safeguard one of your largest assets. Credit insurance protects
against a devastating loss to an unprotected asset - your
accounts receivable.
• Support your sales goals. With credit insurance you are free to
expand into new and unfamiliar markets much more
comfortably. You may also be able to generate more sales by
extending larger lines of credit than you might normally offer.
• Strengthen your credit risk management controls
SERVICES

20. D: SOURCING
• Our company employs an expert team of specialists who aim to meet all
our clients desired requirements, by both reducing direct and indirect
purchasing expenses, as well as improving cost effectiveness and time
efficiency for all transactions.
• We are based in Beijing, China - the perfect location to assist companies
around the world with their sourcing requirements.
KEY OBJECTIVES
• 1) Monitor shipments from our clients and arrange with suppliers to
accept our financial instruments
• 2) The team will assist the suppliers in communicating with their banks
in order to help suppliers to acquire loans against our instruments
• 3) The team will deal with Chinese suppliers and export companies – in
order to assist in sourcing goods /products. They will then assist with
financial instrument terms and conditions
SERVICES

21. D:SOURCING
Our company specializes in sourcing a very wide range of
products for our clients. Over the past years we have
accumulated extensive experience and developed wide
networks in the product ranges mentioned.
Areas of expertise include:
• Construction equipment
• Solar energy and wind energy
• Ship building and repairs
• Oil drilling equipment and related equipment
• Trucks and Buses
SERVICES

22. THE PROCESS

23. THE PROCESS
The General STAGES of a transaction are as follows:
STAGE 1
Client to provide full details of transaction
We prepare for the client the Draft of the Financial Instrument
Approval of Draft by client
Client receives Client Service Agreement + invoice
Client pays fees
Client provides Guarantee documents such as Personal guarantee, Promissory
notes and Indemnity
-
Instrument is issued
STAGE 1
STAGE 2
STAGE 3
STAGE 4
STAGE 5

24. THE PROCESS
We require the following standardised information in order to
assist our clients with regards to drafting of the instrument and
quotation of a fee:
1. Applicant details ( Full information on who is applying for
the instrument)
2. Name of beneficiary company / individual
3. Name of beneficiary bank + swift code
4. Pro-forma invoice (if applicable)
5. Duration of the instrument (90 days, 180 days, 1 year etc)
6. Amount of the instrument and in which currency
STAGE 1

25. THE PROCESS
We prepare for the client the Draft of the Financial Instrument
Approval of Draft by client
Client receives Client Service Agreement + invoice
Client pays fees
Client provides Guarantee documents such as Personal guarantee, Promissory
notes and Indemnity
-
Instrument is issued
STAGE 2
STAGE 3
STAGE 4
STAGE 5

26. THE PROCESS
GUARANTEE DOCUMENTS
In addition to the Client Service Agreement which we require the client to
sign – we also require the client to provide:
1. Acceptance letter for shipping documents to be presented / in cases
of Letters of credit
2. Indemnity letter for Letter of Guarantee, SBLC
3. Corporate Promissory note for the amount of the instrument
4. Individual Personal guarantee for the amount of the instrument
** these documents need to be signed stamped , notarized and apostiled.
They also need to be accompanied by:
- Certified copy of passport of signatory
- Company registration documents ( if applicable)

27. SUMMARY OF STANDARD AGREEMENTS
1. Client Service Agreement
2. Escrow agreement
3. Draft of instrument
4. Invoice
Additional items to be received before/after issuing of instrument:
a) Acceptance letter ( LC for accepting of shipping documents
with discrepancies)
b) Indemnity letter – (Applicable for Letter of Guarantee)
c) Corporate Promissory note
d) Individual Personal guarantee
THE PROCESS

28. ISSUERS
• We have a number of Issuing Institutions registered in various
locations around the world.
• These Issuing Institutions are financial companies that are
authorized to issue financial instruments through our swift.
• We also work with a number of banks that can issue
instruments on our behalf – the fees vary depending on the
bank

29. FREQUENTLY ASKED QUESTIONS
• What is the charge for opening a letter of credit?
The letter of credit charge depends on a number of factors. Our agents can
provide you with an up to date Tariff schedule. For first time clients, fees are
quoted on a case by case basis
• What is the maximum size letter of credit that you open?
We are able to open letters of credit of almost any size. We consider the
complexity of the transaction; the goods that are being trades; and, other factors
having to do with the parties to the transactions and where they take place.
• For what type of goods do you open letter of credit?
We can open letters of credit for any type of goods provided they fall into our
ethical and legal criteria. That said, we will not get involved in transactions
involving weaponry or ammunition under any circumstances.
• I opened a letter of credit to my supplier, but he did not ship the goods. Will
you refund my fee?
Once the letter of credit is opened your fee cannot be refunded. We recommend
to all of our clients that they need to assure themselves of their suppliers' ability
to perform before opening any banking instruments to them.

30. FREQUENTLY ASKED QUESTIONS
• I generally open letters of credit through my bank. How are your letters of
credit different?
The letters of credit that we open are opened using our bank accounts at prime
banking institutions. When you open the letter of credit through your bank, you
use your credit line. When you open through us, you use our credit lines.
• Why do I need to pay your fee before you open the letter of credit? Can't you
take your fee out of the profits of our transaction? We do not participate in the
transactions of our clients as a party to the transaction other than a provider of
certain financing. Therefore, we do not participate in the profits of our client's
transactions. Our fees are the same regardless of the profit margin in the
transaction.
• Can I cancel my letter of credit after it has been opened?
All of the instruments that we issue are irrevocable and cannot be canceled
except by the beneficiary.
• What type of collateral do you require to open a letter of credit?
In most cases we do not require a specific collateral deposit to open a letter of
credit. We offer transactional based finance. When a client wishes to open a
letter of credit, he presents us with the details of his transaction so that we can
make a decision about the transaction on its merit. The final decision by our
company to enter into a transaction is made according to a set of criteria

31. FREQUENTLY ASKED QUESTIONS
Q: What Prime banks do you work with? And what are the fees?
A: STANDARD CHARTERED BANK Singapore
STANDARD CHARTERED BANK Hong Kong
CITIBANK Hong Kong
Q: Can we have the instrument Confirmed?
A: Yes, in some special cases
Q: Can we have the instrument confirmed by A-class bank?
A: This is not possible
Q: Can we accept a bank undertaking for the payment of fees?
A: No, under no circumstances

32. CONTACTS
FOR FURTHER INFORMATION PLEASE EMAIL OR CALL:
EMAIL: info@suissecreditcapital.com
alisa.troyan12@gmail.com
TELEPHONE: (+357) 96 508302