APTC Finance | Banking Service
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Banking Service

Our management consulting services focus on our clients’ most critical issues and opportunities: strategy, marketing, organization, operations, technology, transformation, digital, advanced analytics, corporate finance, mergers & acquisitions and sustainability across all industries and geographies. We bring deep, functional expertise, but are known for our holistic perspective: we capture value across boundaries and between the silos of any organization. We have proven a multiplier effect from optimizing the sum of the parts, not just the individual pieces.


A bank guarantee is a generic term and there are several types of bank guarantee that can help businesses.

As an example, say a small client is dealing with a multinational company on a project, they might require some form of promise to have the relevant financial backing to complete that project. A bank would conduct due diligence on the small company and would act as a ‘guarantor’ to the multinational company; ensuring that the small client will complete the project on certain terms.
A bank guarantee is a ‘surety bond’ which is often addressed to a larger institution of corporate by which the bank pledges (and contractually agrees) to pay an agreed amount under stipulated conditions.


Importers and exporters normally require intermediaries such as banks or alternative financiers to guarantee payment and also the delivery of goods. Cash advances or trade credits on open accounts are usually used after the buyer and seller develop a trusted relationship. Therefore, trade finance structures are used to support these relationships, also known as documentary credits are financial instruments, issued by banks or specialist trade finance institutions, where payment is made to the exporter on behalf of the buyer, if the terms specified in the LC are fulfilled.

A LC requires an importer and an exporter, with an issuing bank and a confirming (or advising) bank respectively. The financiers and their creditworthiness are crucial for this type of trade finance: it is called credit enhancement – the issuing and confirming bank replace the guarantee of payment from the importer and exporter. In this section, and in most cases, we consider the importer as the buyer and the exporter as the seller.


An SBLC can be used as a safety mechanism in a contract for service. A reason for this will be to hedge out risk. In simple terms, it is a guarantee of payment which will be issued by a bank on the behalf of a client and which is perceived as the “payment of last resort”. This will usually be called upon when there is a failure to fulfill a contractual obligation.


Business Credit Card applications can be frightening. It’s hard to tell just what you need, what questions to ask and how to judge between different cards. The TFG team did a deep dive into business credit cards as a form of working capital and cash flow management. Here’s what you might want to consider if you’re applying for business credit, also a business credit card helps you build good credit, which might also help your business get access to larger business loans or overdrafts. Some business credit cards also include promotions or rewards programs giving you discounts or even cash back awards. Other credit cards act as an emergency fund when you need money right away.

In the end, APTC’s group works with many lenders, alternative funders and retail banks to help business access various forms of finance to overcome short and longer term financing needs to help you to increase your business.