MA is a trade finance service provider and transaction facilitator. We help clients understand their requirements, structure the transaction and coordinate with the appropriate banking channels.

No. MA is not a bank or lender. We do not issue SBLCs, BGs or other banking instruments. The bank makes its own decision on whether to approve and issue an instrument.

Depending on the requirement, MA can facilitate solutions involving SBLCs, BGs, LCs, Performance Guarantees, Advance Payment Guarantees and Deferred Payment Guarantees.

MA works with clients internationally and has a network covering 100+ countries. However, every transaction is reviewed individually, and MA does not work with sanctioned or prohibited jurisdictions.

No. We look at the country, client, business activity, transaction, compliance requirements and banking risk before proceeding.

MA works with a network of banking channel partners, including banks like HSBC UK, Barclays UK, Indian Overseas Bank (Hong Kong, Singapore), Habib Bank AG Zurich (Hong Kong), and Dah Sing Bank (Hong Kong). The selection of the appropriate banking channel depends on the client's specific requirements, the transaction structure, and the approval of the issuing bank.

Because the bank is taking a financial obligation. The bank needs to be comfortable with the client, transaction, financial position, KYC, source of funds and compliance before making its decision. We normally begin with CIS, KYC, company profile, POF and transaction details. Additional documents may be requested when required.

No. Maruti Associates does not charge an upfront facilitation fee. However, banks or third-party service providers may require advance payment for specific transaction-related costs. These are separate from MA's facilitation fees and must be clearly identified.

Yes, where required. An official MA site visit may be conducted as part of our due-diligence process. This is a separately chargeable professional service, and the cost is communicated to the client in advance.

No Upfront Fees: Maruti Associates (MA) does not charge upfront facilitation fees. If MA collects any opening fee or bank charges directly, . A 100% refund applies if MA fails to deliver the agreed service.

An SBLC (Standby Letter of Credit) is a bank undertaking that provides protection to the beneficiary if the applicant does not meet the obligation covered by the SBLC, subject to its terms.

A Bank Guarantee (BG) is a bank's undertaking covering a specific obligation of its customer.

MT760 is commonly used by banks to transmit guarantees and standby letters of credit through SWIFT. MT799 is generally a bank-to-bank communication message. It is a free-format message and should not be confused with the actual issuance of an SBLC or BG.

BPU means Bank Payment Undertaking. In certain transaction structures, it can be used as a payment commitment subject to agreed conditions. The actual effectiveness depends on the bank, wording, conditions and legal structure..

For certain top-tier bank instrument transactions, an independent Swiss lawyer or law firm holds the agreed commitment funds under a written escrow agreement. Release and refund conditions are contractually defined to protect both parties.

Clients may propose their preferred independent Swiss lawyer or law firm, subject to mutual agreement and compliance checks. Escrow does not guarantee instrument issuance

No. The final decision always belongs to the bank. MA's role is to facilitate, structure and coordinate the transaction.

MA has been operating since 2001 and has developed an established track record in trade finance facilitation. MA's stated historical track record includes more than USD 1 billion in trade finance transactions and instruments facilitated through its network and banking relationships. MA operates as an A-rated service provider, based on its assessment by an established credit assessment company in India, subject to the applicable rating criteria and supporting credentials.

MA prefers to work with serious, qualified and sophisticated clients who understand the process and are able to provide the required documentation.

MA has a network of 60+ Associates in different markets. An MA Associate is an independent business partner who helps introduce genuine clients, business opportunities and transaction requirements to MA. Associates may help with introductions, initial communication, local relationships and follow-up. Associates do not issue SBLCs, BGs or other banking instruments and cannot make commitments or decisions on behalf of MA or any bank..

Our approach is simple:
Due Diligence → Proper Structuring → Bank Coordination → Documentation → Verification → Completion
We believe in real transactions, proper documentation and transparency.