Genuine Bank Guarantee (BG)<\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
Comparison between Bank Guarantee and Letter of Credit<\/h2>\n Many times, people get confused between bank guarantee and a letter of credit. However, one should understand that both are pretty different.<\/p>\n
A bank guarantee<\/strong> refers to a commercial or financial instrument that is provided by a bank, where the bank assures or guarantees a beneficiary that it will make the payment to the bank in case the actual customer fails to meet his or her obligations. The bank will pay on behalf of the customer who requests for a bank guarantee.<\/p>\nOn the other hand, a letter of credit<\/strong> refers to a promise or commitment in writing made by a bank or any other financial institution or corporation to a particular seller that payment will be made to the seller if the seller completes performing whatever is mentioned in the letter of credit. For the bank to make the payment on behalf of the original buyer, there should be a documentary proof that the seller has completed the transaction accurately by delivering the right product or service on time. The seller will get a guarantee from the bank that the seller will definitely pay the amount on behalf of the original buyer once the obligations are fulfilled.<\/p>\nUnder a bank guarantee, if the buyer is unable to make the payment to the seller or creditor, then the bank pays the fixed amount to the seller as the obligations of the contract are not met. On the other hand, under a letter of credit, the bank makes the payment to the seller once he or she delivers. This is because the seller has completed fulfilling the required obligations.<\/p>\n
Bank guarantees are competitively priced in nature generally. They are usually valid for a long period. The tenure of a bank guarantee is usually high. Moreover, bank guarantees are commonly accepted in almost all countries. Bank guarantees are available in Indian Rupee as well as currencies of other nations. Hence, they are very helpful for global transactions with parties in different foreign countries.<\/p>\n
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Uses of Bank Guarantee?<\/h2>\n When large companies purchases from small vendors, they generally require the vendors to provide guarantee certificate from banks before providing such business opportunities. \nPredominantly used in the purchase and sale of goods on credit basis, where the seller is assured of payment from the bank in case of default by the buyer. \nHelps in certifying the credibility of individuals, which in turn, enables them in obtaining loans and also assists in business activities.<\/p>\n
Though there are lots of uses from a bank guarantee for the applicant, the bank should process the same only after ensuring the financial stability of the applicant\/business. The risk involved in providing such a guarantee must be analysed thoroughly by the bank<\/p>\n
Advantages of Bank Guarantees<\/h2>\nTo the applicant:<\/h4>\n\nSmall companies can secure loans or conduct business that would otherwise not be possible due to the potential riskiness of the contract for their counterparty. It encourages business growth and entrepreneurial activity.<\/li>\n The banks charge low fees for bank guarantees, normally a fraction of 1% of the overall transaction, for the assurance provided.<\/li>\n<\/ul>\nTo the beneficiary:<\/h4>\n\nThe beneficiary can enter the contract knowing due diligence\u2019s been done on their counterparty.<\/li>\n The bank guarantee adds creditworthiness to both the applicant and the contract.<\/li>\n There is a risk reduction due to the bank\u2019s assurance that they will cover the liabilities should the applicant default.<\/li>\n There is an increase in confidence in the transaction as a whole.<\/li>\n<\/ul>\nDisadvantages of Bank Guarantees<\/h2>\n\nThe involvement of a bank in the transaction can bog down the process and add an unnecessary layer of complexity and bureaucracy.<\/li>\n When it comes to particularly risky or high-value transactions, the bank itself may require assurance on the part of the applicant in the form of collateral.<\/li>\n<\/ul>\n <\/p>\n
How to obtain Bank Guarantees (BG)?<\/h3>\n One of the easiest and best ways to obtain a Bank Guarantee (BG) Is through Grand City Investment Limited. Grand City Investment Limited<\/strong> is the world\u2019s bank guarantee specialists that was incorporated in Hong Kong to provide Bank Guarantees (BG), Standby Letters of Credit (SBLC), Business Credit Lines, Performance Bond Guarantees, Tender Bond Guarantees, Advance Payment Guarantees, Bank Comfort Letter (BCL), Trade Finance and Bank Instrument (BG\/SBLC) monetization services.<\/p>\nWe issue these financial instruments from some of the world\u2019s leading banks such as Deutsche Bank AG in Frankfurt, Germany, HSBC Hong Kong, Barclays Bank of London, Standard Chartered Bank and many others.<\/p>\n
All our bank instruments are Cash-Backed and can be used as collateral to secure funding for projects, Discounting, Monetization and Private Placement Programs (PPP).<\/p>\n
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Genuine Bank Guarantee (BG) Suppliers - Grand City Investment Ltd<\/title>\n \n \n \n \n \n \n \n \n \n \n \n \n \n\t \n\t \n\t \n \n \n \n \n \n\t \n\t \n\t \n