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LEDGEREngineer Your
Trade Facility.
Model the exact cost of your letter of credit, forfaiting facility, or FX bridge before you speak to anyone. Adjust shipment value, payment terms, and corridor — your numbers appear in real time.
Ledger operates at the intersection of trade documentation and structured finance. We don't originate cargo loans — we engineer the scaffolding that lets your supplier ship on sight terms while your buyer settles at 120 days. The gap between those two events is where we live.
Three instruments.
One integrated facility.
Documentary LC Issuance & Confirmation
We issue and confirm irrevocable LCs against your purchase orders, removing the supplier's credit risk entirely. Your supplier ships on sight. You pay at maturity. We hold the documentary position in between.
Receivables Forfaiting
We purchase your medium-term trade receivables at a fixed discount, removing them from your balance sheet and eliminating buyer credit risk. Non-recourse. No contingent liability.
90-Day Cash Gap Bridging
The 90-day window between a container leaving Shenzhen and payment clearing in Rotterdam is where most mid-market importers bleed cash. We bridge that gap with a multi-currency credit facility, locking your FX rate at drawdown.
Intake & Scoping
Submit PO documentation, trade corridor, and shipment schedule. Our structuring desk reviews within 4 hours.
Credit Assessment
We assess buyer credit, corridor risk, and documentary requirements. No third-party credit agencies for mid-market volumes.
Term Sheet Issuance
Fixed-rate term sheet issued: facility size, tenor, cost, advance rate, and FX lock-in conditions. No indicative pricing.
Documentation & Fund
LC issuance, confirming bank engagement, and drawdown. Funds available at container departure confirmation.
All facilities are structured under UCP 600 (LC) and URDG 758 (guarantees). AML/KYC completed within intake. OFAC, EU Sanctions, and BIS Export Control screening runs automatically against all counterparties on every transaction.
A 93% renewal rate isn't a marketing number. It means that when a CFO's first facility closes, they return for the next shipment cycle. The cost was predictable. The documentation cleared. The supplier got paid. The buyer got their terms. Nothing went wrong that wasn't already accounted for.
"Our supplier in Guangzhou was demanding sight payment on a $4.1M shipment. Our buyer in Hamburg wanted 90 days. That gap was killing our working capital. Ledger structured the facility in 11 days — LC issued, FX locked, supplier paid. We never touched the cash."
"The corridor report they sent before we even applied told us exactly what the facility would cost on our Vietnam–US lane. No surprises at term sheet stage. That's rare in trade finance."
"We run $140M through three corridors annually. Ledger handles all of it under one revolving facility. The compliance screening alone saves us two FTEs per year."
You've seen the cost.
Now formalize it.
The calculator above shows your indicative facility cost. The application below converts that estimate into a binding term sheet — fixed rate, documented structure, ready to present to your board.