Letter of Credit
Secure international trade with a Letter of Credit
Reduce risk and build supplier confidence when trading across borders
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
Trading internationally?
Import Letters of Credit
Guarantee payment to overseas suppliers once shipping documents confirming delivery are presented. Build supplier trust and negotiate better terms.
Export Letters of Credit
Receive guaranteed payment from foreign buyers before you ship. Remove the risk of non-payment when exporting goods internationally.
Standby Letters of Credit
A contingency payment guarantee - only drawn upon if the applicant defaults on their obligations. Widely used in construction and service contracts.
Why businesses choose us
Flexible
Structured to match the exact terms of your international trade contract.
Specialists
Deep relationships with specialist trade finance banks and providers.
Fast decisions
LCs arranged within days, not weeks, so you can trade without delay.
Tailored solutions
Import, export, standby or transferable - we find the right LC structure.
Finance by Industry
Trade finance, letters of credit and currency solutions for import/export businesses.
Letter of Credit FAQs
A letter of credit (LC) is a document issued by a bank guaranteeing a buyer's payment to a seller will be received on time and for the correct amount. It's commonly used in international trade.
Letter of Credit across the UK
Spark Finance arranges letter of credit for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
South East
East of England
Midlands
North West
Yorkshire
North East
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
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