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When you need risk hedging on certain buyer's credit risk or country risk.

1. Payment Guarantee

For certain buyers credit risk, SMBC can provide payment guarantee services. It is suitable for a big spot deal or an annual contract without L/C.
We will negotiate the details of the guarantee (what kind of risks to be hedged/ the definition of country risks etc.) with you and those details will be included in the documentation. The guarantee fee will vary depending on the importer, documentation etc.

2. Account Receivables Purchase

SMBC can purchase your account receivables. We will discount your receivables and pay to you on a with or without recourse basis. The interest is usually quoted as "Base Rate + Risk Premium". The Risk Premium will vary depending on the importers, countries and documentation etc.

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