Thank you very much for contacting Business Finance Consultants Ghana Limited. As you might already be aware, we are a leading Financial Services Provider that was incorporated in Ghana on March 15,2003 with Company Registration No.CS618122015/TIN:C0005002206. Our services include but are not limited to Business Loans, Project Funding, Investments, Wealth Management, PPP / Trade Platforms as well as issuance and monetization of Bank Guarantees, Letters of Credit, SBLC and other financial instruments.

Let me introduce myself as your first point of contact at Business Finance Consultants Ghana Limited. My name is Mr.Henry Myers and I am the Lead Consultant/Chief Executive Officer (CEO). I will work together with you to confirm and examine your exact needs, to make sure you receive the necessary financial advice or service. We will work together to prepare all the required documents and find a win-win solution for all parties.

I would like to enlighten you that our partners has the financial muscle to finance any kind of profitable project locally and internationally so feel free to discuss other deals.

1. Loan Amount: The minimum loan amount is $1M MINIMUM ~ $500 Million MAXIMUM.
2. Interest Rate: 3% per year
3. Grace Period: 6 months ~ 3 yrs
4. Repayment Duration: 6 months ~ 30 yrs
5. No JV (Joint Venture) & PPP (Private,Public Partnership)


1. Site Plan, Feasibility Study & Government Approvals (if available, and this is for construction projects only)
2. Incorporation Certificate or Business Registration Cert (if applying as a company)
3. Borrower proof of identity (national ID, Passport copy or driver’s license)
4. Borrowers proof of address (water bill, electricity bill or telephone bill)
5. Loan application form filled and signed by the borrower
6. Financial models and exit strategy (if available)
7. Business Plan, Executive Summary or both
8. 2 year Profit & Loss (if available)
9. Client Information Sheet (CIS)

This structure is for worldwide, profitable commercial projects with a requirement of $2M or more with no upper limit.
• 100% Loan to value.
• No prepayment penalty.
• No personal guarantees required.
• The costs to raise the bond must be available.
• For development projects, several years of interest payments are added and kept in a reserve fund thus adding collateral to the bond and ensuring the coupon is paid whilst the development occurs.

LOAN SECURITY: The security or guarantee depends on the type of project, the project location and also the loan amount requested. Several factors will determine what security we will demand from a borrower. Also, it is not a problem if the borrower does
not have any security or guarantee.

The security or guarantee that we need for our loan is for the borrower to secure the loan with either a bank guarantee (BG) or INSURANCE SURETY BOND. We are direct providers of loan and Letters of Credit so we will provide both BG and loan. There are certain cases we need just an insurance bond or insurance wrap but if the loan amount is big we will request for BG/SBLC. Whatever the case may be, we will be able to assist in procuring the Bank Instrument (BG/SBLC) or INSURANCE BOND. The insurance surety bond will come from any of the underwriters that we have good working relationships with. The requirement for either BG or Insurance Bond is mandatory and cannot be changed or altered for the security of our investment.

Once we know the loan amount, loan repayment duration, project description, project location etc we will then choose whether we will need a BG/SBLC or INSURANCE BOND for the transaction. The cost of BG/SBLC or Insurance Surety Bond will depend on the requested loan amount. If you tell me the project type, project location,requested loan amount and the loan repayment duration then I will be able to tell you the type of security that we need and the cost.

We are a legitimate firm so all payments are protected and guaranteed because we have a 100% refund policy. In the rare event if the loan is not approved or transferred we will return your insurance bond fee to you within 48 hours. I am mentioning the upfront fee payment now because I like to be straightforward and no surprises. This will also help you to know whether you want to continue or not to avoid waste of your time and ours. We are in this industry for a long time and from time to time we receive requests from people who claim that they need multi million dollar loans but do not want to pay any fees upfront.

They want the loan lender to deduct any expenses from the loan amount, so they can do a loan transaction for FREE, taking no risks and investing none of their own money. I am a seasoned banker and to be honest, those types of deals do not exist in the real world, if they did there won’t be any homeless person in the world today.

Some banks or lenders ask for different fees ranging from Due Diligence fee, processing fee, legal/attorney fee, loan registration fee, stamp duty etc. As you can see, every company or bank has their own company policy as well as different terms and conditions.


MOVING FORWARD; It is important that you know the detailed terms and procedure
for Lease BG / SBLC.
Description of Instruments:
1. Instrument: Fully Cash Backed Bank Guarantee {BG} / StandBy Letter of Credit {SBLC} (ICC 458/758 format)
2. Total Face Value: Eur/USD 1Million (Min) to Eur/USD 50 Billion (Max)
3. Issuing Bank: First Class or any AAA Rated Banks.
4. Age: One Year and One Day (with rolls and extensions where applicable)
5. Leasing Price: 4% of Face Value plus 2% brokers commission (Applicable only if there are brokers in the transaction)
6. Delivery: SWIFT MT-760
7. Payment: MT103 Wire Transfer
8. Hard Copy: Bonded Courier within 7 banking days.


1M – 49M/USD USD 50,000.00
50M – 99M/USD USD 100,000.00
100M – 199M/USD USD 150,000.00
200M – 499M/USD USD 250,000.00
500M – 999M/USD USD 450,000.00
1B – 4B/USD USD 1,000,000.00
4B – 10BUSD USD 1,000,000.00


1. Both parties (Lessor and Lessee) execute, sign and initiate the Deed of Agreement, which thereby automatically becomes a full commercial recourse contract.
2. Within 1 day after Both parties sign the Agreement, Lessor will issue a Notarized signed and sealed Corporate Refund Recourse Undertaking to the Lessee guarantying to refund Lessee all the cost incurred by lessee for the bank transmission charges (For swift MT760 BG/SBLC or Pre-advice MT799 or both as the case may be) after due execution of the contract.

3. Within three (3) working days after Lessee receives Lessor’s signed and sealed Corporate Refund Recourse Undertaking, Lessee will make payment by wire transfer into the Lessor’s bank account for the bank transmission charges for the BG/SBLC MT760 swift transmission or Pre-advice MT799 swift transmission or both.

4. Within Three (3) banking days after confirmation of receipt of payment of the bank transmission charges for the BG/SBLC MT760 swift in Lessor’s bank account, the Lessor will deliver the BG/SBLC via bank confirmation of swift BG/SBLC MT760 to the Lessee’s banker including the hard copy of the BG/SBLC via bank bonded courier Seven (7) banking days.

Contact us to for a detailed assessment of your business needs.
Processing Procedure  :
A/ Deed of agreement will be signed
B/ Verbiage required in the instrument for SBLC/BG written and agreed
C/ Trade license/Incorporation certificates,shareholders list submitted
D/ Passport copy of main applicant submitted
E/ Last three (3) years Audited Accounts
F/ Last six (6) months bank statements
G/ Board Resolution & Letter of Intent (LOI)
H/ Consultation fee GH¢20,000.00 or US Dollar equivalent
Issuing Procedure:-
A/ After receiving all documents above,we will select the issuing bank and finalize the draft for your
B/ Upon receipt of the draft copy of instrument,you must thoroughly review it for any corrections,additions or removal of information.Should there be any amendments,we can amend the draft accordingly to match your preferences.Once the draft is approved , you will need to send us a copy of the draft with signature and stamp on it as your approval.
C/ We will an invoice for the agreed charges (charges include processing fee and professional charges) and you will make the remittance against the invoice.
D/ Only after we receive the payment for the raised invoice, the issuing bank will issue and relay the instrument through Swift within 48-96 hours after remittance.
E/ Simultaneously we will send you the issued copy through email and original through courier. Note:The charges will depend on the value of the Financial Instrument,Tenure and Issuing Bank