Hong KongHong Kong Mon - Fri 10:00-18:00 +85 281 254848 Mon - Fri 10:00-18:00 +85 281 254848
info@topwealthfinancelimited.com
Number #1
in Hong Kong
TWFL Established
in 1999
Trusted By
20,000 Customers
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LOAN

Loan

Top Wealth Finance Limited assists clients worldwide who want to achieve their business financing objectives. We assist clients and brokers in their attempt to secure funding by working on their funding requests that may require innovative financing… 
PROJECT TYPE: We fund all types of viable projects worldwide such as startups, acquisitions, business expansion, all types of construction projects, energy projects, Aviation, Agriculture, mining, Petroleum, Telecommunication, Hotels, Hostels, Restaurants, Condo, Road & Bridge Construction, Real Estate, etc.  
LOCATION: We fund any viable/profitable business or project in all countries of the world except the following 7 countries namely: Afghanistan, Yemen, Syria, Libya, Zimbabwe, Somalia, and North Korea.
At Top Wealth Finance Limited, we have vast consolidated experience in the financial sector, our professionalism and experience are at your disposal to try to meet your every need, even the most demanding.
Top Wealth Finance Limited specializes in the following services:

  • Recourse Loans
  • Corporate Finance  
  • Non Recourse Loans
  • PPP and Trading Platforms  
  • Financial Real Estate & Brokering  
  • Insurance & Underwriting Services
  • Business Loans & Project Financing
  • Investment and Wealth Management  
  • Secured Loans and Unsecured Loans  
  • Lease Standby Letter of Credit (SBLC)
  • Setting up of Companies in Hong Kong
  • Opening of Bank Accounts in Hong Kong
  • Lease Bank Instruments:  BG, SBLC, DLC  
  • Monetize Bank Instruments: BG, SBLC, DLC
  • Wealth Management / Portfolio Management

Letters of Credit (L/C,  DLC, Usance LC)

A Letter of Credit is a letter issued by a bank to another bank (especially one in a different country) to serve as a guarantee for payments made to a specified person under specified conditions. A Letter of Credit is a payment term mostly used for long-distance and international commercial transactions. At Top Wealth Finance Limited,  we are DIRECT providers (NOT BROKERS) of letters of credit such as  SBLC and DLC. Our Letters of Credit can be used in many transactions and trade finance programs including but not limited to buying and selling transactions,  Import / Export transactions, Business and Trade Finance, Aviation, Agricultural projects, Petroleum transactions, Telecommunication, construction, etc. We offer two types of letters of credit; commercial (also known as a documentary letter of credit) and standby letter of credit. 
Issuance by HSBC Hong Kong, Barclays Bank London, Deutsche Bank Germany, BNP Paribas France, Citibank New York, or any AAA-rated Banks in Europe or USA. Our Letters of Credit financing can help you get your project funded, and loan financing by providing you with yearly renewable leased bank instruments. 

Benefits of using a Letter of Credit

  • Secure and quick payment
  • Starting signal for manufacturing
  • Cannot be revoked without the consent of all parties
  • Financing outside own balance sheet
  • Governed by international rules (International Chamber of Commerce)
  • Expand your export markets with safer payment terms

BANK GUARANTEES (BG) 
Bank Guarantee (MT-760) is a financial instrument with a defined value that is issued by a bank with full banking responsibility. A Bank Guarantee is a written obligation of the issuing bank to pay a sum to a beneficiary on behalf of their customer in the event that the customer himself does not pay the beneficiary. 

 Examples of Bank Guarantees

Because of the general nature of a bank guarantee, there are many different kinds:

  • A payment guarantee assures a seller the purchase price is paid on a set date.
  • An advance payment guarantee acts as collateral for reimbursing advance payment from the buyer if the seller does not supply the specified goods per the contract.
  • A credit security bond serves as collateral for repaying a loan.
  • A rental guarantee serves as collateral for rental agreement payments.
  • A confirmed payment order is an irrevocable obligation where the bank pays the beneficiary a set amount on a given date on the client’s behalf.
  • A performance bond serves as collateral for the buyer’s costs incurred if services or goods are not provided as agreed in the contract.
  • A warranty bond serves as collateral ensuring ordered goods are delivered as agreed.

STANDBY LETTERS OF CREDIT (SBLC)  
A standby letter of credit (SBLC) is a guarantee of payment by a bank on behalf of their client. It is a loan of last resort in which the bank fulfills payment obligations by the end of the contract if their client cannot. The standby letter of credit is never meant to be used, but prevents contracts from going unfulfilled in the event your company closes down, declares bankruptcy or is unable to pay for goods or services provided. Standby letters of credit help prove a business’ credit quality and repayment abilities.

Types of Standby Letters of Credit

  • Performance SLOC
    • Performance standby letters of credit ensure the nonfinancial contractual obligations (quality of work, amount of work, time, cost, etc.) are performed in a timely and satisfactory manner. If these obligations are not met, the bank will pay the third party in full.
  • Financial SLOC
    • Financial standby letters of credit ensure financial contractual obligations are fulfilled. Most SLOCs are financial.
    • Financial SLOCs are often required when performing international trade or other large purchase contracts under which other forms of payment protections (such as litigation in the event of non-payment) can be difficult to obtain.

Standby letters of credit can help establish trust with your business partners and be a powerful tool to help meet your business goals. Talk to us today about using a standby letter of credit for your business.  

20 UNIQUE REASONS WHY TOP WEALTH FINANCE COMPANY IS THE BEST.

1. Complete End-to-End Managed Bank Guarantee Program – We provide a comprehensive, integrated & prestructured Bank Guarantee Issuing and Monetization Program. Thousands of people worldwide are frantically trying to find a BG/SBLC Issuer and Funder who will work together.

2. Easy: Issuance Of Bank Guarantees, Letter Of Credit, And DLC Within a Few Days.

3. Guarantee: We offer you commercial loans with no additional collateral or guarantee.

4. More Than 20,000+ Clients from 80 countries Have Successfully Concluded Transactions With us.

5. With our expertise and innovation, we believe that we enrich our customers and not just make them rich.

6. Results-oriented – We have a 99% success rate, so if you have a REAL deal, we will successfully close it on time.   

7.   Quick disbursement: Once all your documents are in place, your loan can be disbursed within a few business days.

8.   Most of the Work Is Done Online: so you DON’T have to waste thousands of dollars on airfare and visa to come to our Office.

9. We issue BG/SBLC in both USD or Euro Currencies, if you pay in USD we Issue in USD & if you Pay in Euro, we issue in Euro.  

10. Your Privacy is our Priority, we DO NOT share your data or Business Transactions with third parties.


11. We are not BROKERS, We Are Direct Providers of Loans, Bank Instruments, and Project Financiers.


12. No Legal Complaints, Lawsuits, or Criminal Convictions against us in any Country to date.


13. Since 1999, no Customer has ever had a failed transaction with us.


14. Bank Instruments Delivered via MT760 Swift with Full Bank Responsibility.


15. Brokers Always Welcomed & Protected against possible circumvention. 16. Bank Guarantees & SBLCs in Standard Formats from Major Banks.


17. MT799 pre-advice included in all BG/SBLC transactions.18. We are straight to the point.


19. No Stupid Bank Rules.


20. No Credit Checks..