Bank instruments · Trade finance · Since 1991
Bank Guarantees and SBLCs, structured for global trade.
Funder Stone Finance Limited helps businesses issue, monetize and leverage bank instruments — with clear terms, bank-grade diligence and direct execution from Hong Kong to the world's major markets.
- 35+ years in cross-border finance
- Partner-bank issuance
- Confidential by default
1991
Established
35 years of cross-border finance
27+
Featured deals
Published portfolio transactions
5–10
Business days
Typical monetization timeline
80%
Maximum LTV
Subject to due diligence
Who we are
A boutique partner for capital that needs to move.
Funder Stone Finance Limited (FSFL) is a Hong Kong–based financial services firm working with businesses, project owners and investors on commercial lending, trade finance and bank instruments.
Since 1991 we have helped clients secure Bank Guarantees and Standby Letters of Credit, unlock liquidity from eligible instruments and support high-value contracts across Asia, Europe, Africa, the Middle East and the Americas. Each structure is built around the transaction — not a template.
- Direct, senior-led execution. You deal with the people structuring the transaction.
- Compliance without shortcuts. KYC, AML and source-of-funds review on every file.
- Global banking relationships. Instruments issued through partner banks and confirmed by SWIFT.
What we do
Four ways we help you move capital.
From a single instrument to a fully structured facility, we work to the requirements of the transaction, the bank and the beneficiary.
BG & SBLC Issuance
Bank Guarantees and Standby Letters of Credit issued through partner banks for trade, construction and project obligations.
- SWIFT MT760 delivery
- Performance & payment guarantees
- Contract-specific wording
SBLC Monetization
Convert an eligible SBLC or BG into project capital through a structured, documented monetization process.
- Up to 80% LTV after review
- Recourse & non-recourse structures
- 5–10 business day timeline
Trade Finance
Letters of Credit, deferred payment terms and usance facilities that keep goods moving across borders.
- Import & export facilities
- Deferred & usance LCs
- Commodity-backed transactions
Collateral Transfer
Structured transfer of financial collateral to support instrument issuance and unlock liquidity.
- Bank-to-bank structures
- Credit enhancement
- Project & acquisition funding
SBLC monetization
Turn an eligible instrument into working capital.
Monetization converts a Bank Guarantee or SBLC into cash or a funding line, typically for project finance. The instrument must be issued by a well-rated bank and carry the wording required by the monetizer.
Eligibility review
Issuing bank, tenor, instrument wording, jurisdiction and beneficiary are assessed before any commitment.
Loan-to-value
Up to 80% LTV after due diligence, with the final ratio set by the bank and security package.
Timeline
Typically 5–10 business days once the file is complete and the structure is agreed.
Recourse options
Recourse and non-recourse structures are available depending on the instrument and project.
Eligible instruments
Subject to due diligence, bank approval and instrument eligibility.
How it works
A clear, four-step process.
No hidden stages and no unnecessary intermediaries. Each step has a defined owner, deliverable and approval point.
Enquiry & NDA
Share the transaction outline, counterparties and instrument requirements. We respond with an indicative structure and a mutual NDA.
Due Diligence & KYC
We assess the project, the instrument and all parties. Compliance, source-of-funds and beneficiary checks are completed before any commitment.
Structuring & Issuance
Terms are agreed, documentation is executed and the instrument is issued through a partner bank with SWIFT MT760 confirmation.
Monetization & Drawdown
Where eligible, the instrument is monetized and funds are released against the agreed schedule and security package.
Every transaction is subject to KYC/AML review, sanctions screening and bank approval. Timelines are indicative, not guaranteed.
Selected transactions
Deals across markets and sectors.
A selection of published portfolio references spanning trade, real estate, energy, hospitality and infrastructure.
View the full portfolioPayment Guarantee for Rice Purchase
Hai Duong City, Vietnam
$110,000,000
Hotel Resort
Istanbul, Turkey
$80,000,000
Mall Development
Guangzhou, China
$133,000,000
Acquisition
Florida, USA
$55,000,000
Letter of Credit
Pattaya, Thailand
$81,000,000
Touristic Hotel
Surabaya, Indonesia
$23,000,000
Figures are portfolio references from published company material. They are not a commitment to provide credit and do not guarantee similar outcomes.
Why FSFL
Built on discipline, not volume.
High-value instruments require more than a rate sheet. They require judgement, documentation and a partner who will say no when a transaction does not meet the standard.
Each situation is unique. One-size-fits-all approaches will never help your business reach its full potential.
Confidentiality first
Every enquiry is handled privately. Documents are shared on a need-to-know basis under NDA.
Bank-grade diligence
No instrument is issued or monetized without verified counterparties and a complete compliance file.
Global reach
A network spanning Hong Kong, Europe, the Middle East, Africa and the Americas.
Direct execution
We work without unnecessary intermediaries, keeping timelines short and communication clear.
Client experience
What clients say about working with us.
From the blog
Notes on instruments and trade.
SBLC Monetization Service: 7 Easy Steps for Fast Funding
Converting a Standby Letter of Credit into immediate cash is a game‑changer for businesses seeking rapid growth, contract security, and improved liquidity.…
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Choosing the Right SBLC Provider: Quick Checklist for 2026
Choosing the Right SBLC Provider: Why Our Brand Leads the Market is more than a headline—it’s a promise of expertise, regulatory savvy,…
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Non‑Recourse SBLC Funding: Complete Guide to Trade Finance
Welcome to the definitive 2026 guide on non‑recourse SBLC funding, the engine driving modern trade finance. Our team of seasoned bankers and…
Read articleCommon questions
What clients ask before they start.
If your question is not covered here, send us a short outline and we will respond with an indicative view — usually within one business day.
Ask a questionWhat is the difference between a BG and an SBLC?
A Bank Guarantee protects a beneficiary against non-performance under a contract. A Standby Letter of Credit is a contingent payment undertaking that is called only if the applicant defaults. Both are bank-issued instruments; the correct one depends on the underlying transaction and the wording required by the beneficiary.
How long does issuance or monetization take?
A complete, well-documented file can move from acceptance to issuance in a matter of days. Monetization typically takes 5–10 business days after due diligence and documentation are complete. Timelines depend on the bank, jurisdiction and quality of the submission.
What is the maximum loan-to-value?
Monetization of an eligible instrument can reach up to 80% LTV after due diligence. The final ratio depends on the issuing bank, instrument wording, tenor, jurisdiction and the security package.
What documents are required?
Typically: company registration, beneficial ownership, passport or ID for signatories, proof of address, a project or transaction summary, the draft instrument wording and source-of-funds evidence. Requirements vary by structure and jurisdiction.
Are there upfront fees?
For qualified clients, initial review is free. Third-party costs such as bank charges, legal fees and SWIFT costs are disclosed before any commitment. We do not ask for advance fees before a structure has been agreed in writing.
Which jurisdictions do you work in?
We work with counterparties across Asia, Europe, the Middle East, Africa and the Americas. Every transaction is subject to applicable sanctions, anti-money-laundering and know-your-customer requirements in the relevant jurisdictions.
Start a conversation
Tell us what the transaction needs to achieve.
Share a short outline and we will come back with an indicative structure, the documents required and a realistic timeline. All enquiries are treated in confidence.
Confidential. No upfront fees for qualified enquiries.
