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MyROC Advisor

Finance & Capital

The instrument has to match the transaction.

Trade transactions require the right financing structure, the right risk mitigation and the right banking instrument. We advise on which instrument fits the trade in front of you, and support the documentation that sits behind it.

Talk to an AdvisorHow it works

Overview

Where trade finance goes wrong

A trade finance problem almost never presents itself as a trade finance problem. It presents as a confirmed order that cannot be executed, a supplier who will not ship without assurance, or a receivable that will not convert to cash for another ninety days.

Behind each of those is an instrument question. A sight LC and a usance LC solve different problems. An SBLC is not an LC used differently. Packing credit and bill discounting sit at opposite ends of the same shipment.

Our work is to identify the structure that fits the transaction, the counterparty and the banking relationship you actually have — then support the documentation through to execution.

Scope

Our trade finance solutions

  • 01

    Letter of Credit advisory

    Sight, usance, transferable, back-to-back, import and export LC structures — matched to the transaction and the counterparty.

  • 02

    Standby Letter of Credit advisory

    Domestic and international SBLC, performance support structures and credit enhancement arrangements.

  • 03

    Bank guarantee advisory

    Performance, financial, tender and advance payment guarantees, structured against the underlying contract.

  • 04

    Export finance advisory

    Packing credit, pre-shipment and post-shipment finance, and export bill discounting.

  • 05

    Import finance advisory

    Import LC structuring, buyers credit, suppliers credit and deferred payment structures.

  • 06

    Invoice and receivables finance

    Invoice discounting, factoring and bill discounting to shorten the gap between delivery and cash.

  • 07

    Supply chain finance

    Structures that finance the chain rather than a single transaction, where volume justifies it.

Fit

Industries we serve

Exporters and importers
Businesses trading across borders where payment terms, currency and counterparty risk all need structuring.
Manufacturers
Production cycles where raw material procurement and finished-goods receivables sit far apart.
EPC and infrastructure companies
Contractors carrying performance, tender and advance payment guarantee requirements across projects.
Commodity traders
High-volume, thin-margin trade where the financing structure determines whether the deal works.
Engineering companies
Long-lead-time supply where deferred payment structures are often the deciding commercial term.
MSMEs in domestic and international trade
Smaller businesses that qualify for trade instruments more often than they assume.

Common cases

Common challenges we help solve

  • Difficulty obtaining LC facilities
  • Counterparties requiring SBLC support
  • Bank guarantee requirements on tenders and contracts
  • Working capital shortages against a confirmed order book
  • Delayed customer payments stretching the cash cycle
  • Import financing requirements for large procurements
  • Export orders that cannot be funded to shipment
  • Large project execution requiring staged financing
  • Trade documentation complexity causing rejections

Process

Our advisory approach

  1. 01

    Assessment

    Understanding business operations, the trade cycle and the specific requirement.

  2. 02

    Financial review

    Review of transaction structures, counterparty terms and financing needs.

  3. 03

    Solution evaluation

    Identification of the trade finance options that are realistically available to you.

  4. 04

    Documentation support

    Guidance on banking and transaction documentation, where most rejections originate.

  5. 05

    Ongoing advisory

    Continued support as trade volumes, counterparties and requirements evolve.

Information commonly reviewed

  • Financial statements
  • Bank statements and existing facility details
  • Purchase orders and sales contracts
  • Proforma invoices and shipping documentation
  • GST returns
  • Import Export Code and related registrations
  • Details of existing banking relationships

Timeline

What drives the timeline

Trade finance timelines are set by the banking relationship and the completeness of the underlying documentation, not by the advisory work. A facility against an existing relationship moves differently from a first-time arrangement.

The single largest controllable factor is documentation quality. Discrepancies in trade documents are the most common reason instruments are delayed or rejected, which is why the documentation stage carries a disproportionate share of our attention.

Why MyROC Advisor

How Trade Finance engagements run.

Assessment first
We establish the actual position before recommending work, and tell you if the work you asked for is not the work you need.
Qualified professionals
Work is carried out with experienced Chartered Accountants and Company Secretaries, and reviewed before it is submitted.
One consolidated list
Everything required from you is set out at the start, not requested in instalments over several weeks.
Pan-India, remote-first
Engagements are handled remotely across the country, with documents exchanged electronically.

Questions

Frequently asked

  • A Usance Letter of Credit allows payment to be made at a future agreed date rather than immediately upon shipment. It gives the buyer a credit period while still giving the seller the assurance of a bank undertaking.

Related services

Further reading

Next step

Talk to an advisor about trade finance.

Tell us where things stand. The first consultation is free, and we will tell you plainly what is involved before any engagement begins.

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Response time
We respond to all messages within 24 hours.