Bank Comfort Letter (BCL)
Strengthen your credibility in major transactions. A BCL is not a binding guarantee, but a bank’s formal statement of confidence in the client’s financial capacity.
Why BCL matters
- ✅ Boosts counterparty confidence and credibility.
- ✅ Enables high-value, cross-border transactions.
- ✅ Strong signal of capacity without binding the bank.
Key characteristics
- 🔹 Financial standing confirmation by the issuing bank.
- 🔹 Non-binding statement (no payment guarantee).
- 🔹 Issued for a specific transaction.
- 🔹 Clear details: purpose, parties, scope.
How it works
1) Client request
Submit the case and transaction details.2) Bank review
KYC/AML, solvency, and transaction analysis.3) Issuance
BCL provided to counterparties.International Trade
Suppliers & buyers validating financial readiness in cross-border deals.
Mergers & Acquisitions
Acquirers signalling ability to complete transactions.
Real Estate
High-value property purchases requiring credibility proof.
Document checklist
- 📄 Financial statements (last 6–12 months) and bank statements.
- 📜 Business license (if applicable) for international trade.
- 📑 Transaction agreement / draft contract.
- 🛂 Passport/ID for individual signatories.
Compliance & risk
- 🔎 Full KYC/AML checks per jurisdiction.
- ⚖️ No sanction, fraud, or illicit activities permitted.
- 🗂️ Source of funds and transaction traceability required.
Partner banks & financial institutions (sample)
Always verify SWIFT codes and service eligibility for your case.
| Bank | Country | SWIFT | Services | Action |
|---|---|---|---|---|
| PG Asia Investment Bank Ltd | Malaysia | AINEMY22 | BCL, LC, SBLC, BG | Copy SWIFT |
| Dushanbe City Bank | Tajikistan | LCMDTJ22 | BCL, LC, SBLC, BG | Copy SWIFT |
| Standard Commerce Bank Ltd | United States | STDMDMDMXXX | BCL, LC, SBLC, BG | Copy SWIFT |
| Asia Pacific Investment Bank | Malaysia | ASPMMYKL | BCL, LC, SBLC, BG | Copy SWIFT |
| Credit Foncier IM UND Export GmbH | Germany | CFEGDE82 | BCL, LC, SBLC, BG | Copy SWIFT |
| Unibanque | United Kingdom | UNBQGB22 | BCL, LC, SBLC, BG | Copy SWIFT |
| Tabarak Investment Capital Limited | United Arab Emirates | TIBIAEADXXX | BCL, LC, SBLC, BG | Copy SWIFT |
| Golden Touch Investment Bank Limited | — | GTIVMT2LXXX | BCL, LC, SBLC, BG | Copy SWIFT |
Fixed Advisory
Scope-based advisory package for BCL preparation and bank engagement.
- ✓ Case framing & bank shortlisting
- ✓ Document review & gap analysis
- ✓ Drafting support & issuance coordination
Success-Linked
Lower upfront, with a success component upon issuance.
- ✓ Reduced retainer
- ✓ Success fee on completion
- ✓ Ideal for repeat transactions
Retainer
Ongoing support for active traders, brokers, and corporate groups.
- ✓ Priority processing
- ✓ Dedicated relationship manager
- ✓ Multi-deal coverage
Clients trust us
Fast and precise
Clear steps and quick turnaround. Our counterparty moved forward confidently.
Credibility boost
The BCL unlocked our negotiation within days. Professional coordination.
Solid guidance
Responsive team, good compliance handling. A few document iterations but smooth overall.
Great for real estate
Targeted wording helped close a high-value property purchase.
Thorough process
Rigorous checks; result had strong credibility with the seller.
Accelerated close
Shortened the final approval cycle significantly. Recommended.
Clear structure
Template and guidance were crystal clear. Bank interaction felt seamless.
Cross-border ready
Helped us align expectations in a multi-jurisdiction deal.
Professional handling
Good communication and bank feedback management. Slight delay for extra KYC.
Impressive support
They anticipated the bank’s questions and prepared us well.
M&A friendly
Perfect fit for acquisition readiness and stakeholder assurance.
Transparent
Clear timelines and requirements. A couple of doc updates were needed.
Efficient
Very efficient coordination across all parties.
Trusted partner
Reliable guidance from start to issuance. Great value.
Excellent comms
Clear updates, quick responses, and well-structured deliverables.
Good experience
We got the outcome we needed. Minor compliance back-and-forth.
Bank-ready pack
The case pack mapped exactly to bank expectations.
Real value
Strong ROI through smoother negotiations and faster close.
Highly recommended
Would use again for future transactions. Very professional team.
Top-tier advisory
Practical, bank-aligned, and outcome-focused throughout.
Contact & BCL Request
Fill the form — we’ll confirm right away. *Required fields.