Frequently Asked Questions

Finhanced Inc. is a US-registered physical commodity brokerage — broker of record for sugar, grains, oilseeds, rice, and refined metals. We source, screen, and match counterparties and step out of the money flow, so title passes directly between principal buyer and seller. We also run structured trade due diligence and advise on payment structure. We are not a bank and do not issue, procure, lease, or monetize financial instruments.

No. Finhanced Inc. is an advisory and arrangement firm. We are not a bank, lender, or financial instrument issuer. All financial instruments are issued by regulated third-party banking institutions subject to their own independent approval and compliance processes.

Finhanced Inc. is a US-registered firm serving buyers, sellers, and referring intermediaries across North America, Europe, the Middle East, Africa, and Asia-Pacific.

We serve commodity traders, importers, exporters, project developers, construction firms, energy companies, and any business that requires international trade finance instruments or cross-border payment guarantees.

SBLCs are highly secure instruments issued by banks to guarantee payment. They are governed by ICC rules (ISP98 or UCP 600) and provide strong protection for all parties involved in a trade transaction.

No. Finhanced is not a bank, lender, or instrument issuer, and does not procure, lease, or monetize financial instruments. Where a physical commodity transaction we broker uses an SBLC or LC, we advise on the payment structure only — your regulated bank issues and settles. If you have been offered instrument "monetization" or "leasing," that is a common area for fraud; our due-diligence reviews can help you screen it.

A standard LC (Letter of Credit) can be drawn upon during a trade transaction — it's a payment mechanism. An SBLC (Standby Letter of Credit) is only invoked upon default — it acts as a safety net. A Bank Guarantee (BG) typically protects only the buyer, while an SBLC can protect both parties depending on the type issued.

The beneficiary can sell or assign rights to proceeds from an SBLC. However, the original beneficiary remains the only party who can demand payment directly from the issuing bank.

No. An SBLC is an irrevocable document and cannot be canceled without the explicit consent of all parties involved in the transaction.

In practice, all legitimate SBLC issuances require some form of upfront commitment. Claims of zero upfront cost should be approached with caution, as the issuing bank always requires security or fees.

Trade finance refers to the financial instruments and products used to facilitate international trade and commerce. It bridges the gap between exporters and importers by reducing the risk of cross-border transactions through instruments like letters of credit, bank guarantees, and trade insurance.

When a transaction uses one, a bank instrument is delivered via SWIFT messaging from one regulated bank directly to another — bank-to-bank, following established international banking protocols. Finhanced does not issue or transmit instruments; we advise on how the payment structure should be set up so your bank can execute cleanly. Note that legitimate delivery is always bank-to-bank; offers to "deliver" instruments outside that channel are a common fraud signal.

We structure instruments primarily in USD, EUR, and GBP, though other major currencies can be accommodated depending on the issuing bank and transaction requirements.

Finhanced acts as broker of record: we source, screen, and match counterparties, structure the transaction documents, and step out of the money flow. Title passes directly between principal buyer and principal seller, and we never take title ourselves. Our compensation is a disclosed commission.

Refined and raw sugar (ICUMSA 45, 150, 3500, VHP), corn products (meal, starch, germ meal), soybeans, white rice, and high-purity copper powder. Specifications are published openly; pricing and origin detail are released on inquiry after basic KYC, and counterparty identity is disclosed at contract stage.

Physical trades are typically settled by Letter of Credit at sight, with payment handled by the principals' own banks. Finhanced advises on the payment structure and settlement mechanics — advisory only. We are not a bank and do not issue, procure, or settle any instrument.

Contact us via our website form, email (sales@finhanced.com), or phone (+1 407 216 8401) for a confidential initial consultation. We'll assess your needs, explain the process, and outline next steps — typically within one business day.

Standard requirements include corporate registration documents, proof of identity for directors/UBOs, bank reference letters, a description of the intended transaction, and any relevant trade contracts. Specific requirements vary by instrument type and issuing bank.

Typical timelines: Initial consultation (1–2 days), KYC/due diligence (5–10 business days), instrument structuring and bank coordination (5–15 business days), SWIFT delivery (1–3 business days). Total: approximately 2–4 weeks from engagement to delivery, depending on complexity.

Finhanced Inc. provides services exclusively to businesses, institutional clients, and accredited investors. We do not offer consumer financial products or retail banking services.