Banned Loan & Bank Instrument Providers List

The Bank Guarantee (BG) and Standby Letter of Credit (SBLC) industry is plagued with misinformation due to a lack of reliable data. As a result, we strongly advise individuals and businesses to verify that any bank instrument provider they engage with is legally registered, licensed, and capable of delivering authentic financial instruments from globally recognized banks.

Ensuring that a BG or SBLC originates from a reputable financial institution is crucial. Instruments issued by unrated banks hold little to no value and are often non-monetizable. A common misconception in the market is that all bank guarantees are equal in terms of value, loan-to-value (LTV) ratio, and desirability—this is entirely false. The credibility and strength of a bank guarantee depend on the financial stability and reputation of the issuing bank. A BG from a world-leading bank is significantly more valuable and reliable compared to one from an unrated institution.

Related Article: How to Find Genuine BG/SBLC Providers: A Guide to Secure Financial Instruments

The Importance of Choosing a Rated Bank

Top-tier banks, particularly those among the world’s top 20 financial institutions, offer the most secure and reliable bank guarantees. These institutions are known for their financial stability and commitment to honoring their obligations. A BG or SBLC represents the issuing bank’s guarantee of payment, making its credibility directly linked to the strength of the bank itself.

Conversely, unrated banks often issue financial instruments that lack credibility. Consider an unrated bank with a capital base of less than $10 million but issuing multiple $100 million bank guarantees per week. By the end of the year, such a bank would have issued billions in guarantees, far exceeding its actual financial capacity—rendering those guarantees essentially worthless.

News Flash: Limited Genuine Providers of Bank Instruments.

There are very few authentic bank instrument providers globally, particularly when it comes to genuine SBLC providers. Artley Finance (HK) Limited is ranked among the top five providers worldwide. If you wish to access a confidential list of legitimate bank instrument providers, contact us—we would be happy to share this exclusive information with you.

Warning: Avoid Unrated Banks and Certain Regions

Financial instruments from specific regions and banks are often non-monetizable or of little value. Avoid BGs and SBLCs from banks in:

• Africa
• South America (e.g., Venezuela, Brazil, Mexico)
• Ukraine
• Russia

Instruments from the above listed countries can be used for trade finance, loan collateral, or import/export transactions, but they cannot be used in monetization and non recourse loan transactions. So if you are in the market for non recourse loans through bank instrument monetization, ensure that your bank instrument is issued by a globally recognized financial institution, such as those in the France, UK, USA, Germany, Switzerland, Hong Kong, Singapore, or Japan.

1. Banned Asset Classes

The following financial instruments are often associated with fraudulent or worthless transactions:

• Ukrainian Bank Instruments
• Venezuelan Bank Instruments (including bonds and guarantees)
• African Bank Instruments
• Collateralized Mortgage Obligations (CMOs)
• Copper Isotopes
• Historical Bonds (e.g., Mexican Bonds)
• International Bills of Exchange (IBOEs)
• Key Tested Telex Transfers (IP/IDKTT)
• MT103 Two-Way Transactions
• MT103/202 Transactions
• Offset Bonds
• Proof of Funds Services
• Promissory Notes
• Long-Term Notes (LTN)
• Medium-Term Notes (MTN)
• Russian Bank Instruments
• Server-to-Server (S2S) Transactions
• Safe Keeping Receipts (SKRs)
• Sovereign Guarantees
• Treasury Bonds & Notes

2. Banned Asset Providers

Certain entities masquerade as banks and financial institutions while providing worthless instruments. Below is a list of untrustworthy institutions, categorized by region where possible:

United Kingdom

• Accounting Wizards Limited
• Alfinanceltd.com
• Ariel Bank
• Asset and Business Finance Limited
• Aviva Investors
• BarclaysBank-London.co.uk
• BarclaysBanking-Plc.co.uk
• Barclays-Bonds.co.uk
• Barclays Aldersgate Investments Limited
• Barclays Barley Limited
• Barley Investments Limited
• BG Atlantic Finance
• Blackstar International Limited (Hong Kong)
• Bond Masters Finance Services Ltd
• BPB Group Finance Limited
• Calverton Group Limited
• Capital & Finance Limited
• Capitalist & Wealth Investment / Capitalist Wealth
• Cardinal Global
• Chesterfield & Baggins Investment Bankers Ltd
• Commerce Solutions Limited
• Commercial Development Bank (UK & Australia)
• Fitzroy Finance Limited
• Financial Leasing Services Limited
• ForeignFinance-Bank.com
• Global Financings (USA)
• Guarantees EU
• Guarantees UK
• Hawkins Funding Limited
• Honeywell Europe Finance Limited
• HSBCPrime.com
• Jennings Credit Limited (UK & HK)
• Lockman Financing Limited
• Lloydsbankingplc.co.uk
• Metro Capital Bank
• ML UK Capital Holdings Limited (London)
• Montis Trading
• Newgate Funding Plc
• Oakdm2 UK Limited
• Oxford Business Capital (USA)
• PLG Capital Bank (St Lucia)
• Point Bank
• Premier Custodial Finance
• Retailinvestor.co.uk
• Retail Investor Merchant Bancorp
• SRC Financial PLC
• Standford Funding (UK & USA)
• Suisse Capital
• Suisse Credit Bancorp
• Suisse Credit Capital
• Suisse Merchant Capital
• Suisse Bank PLC (UK & Dubai)
• Trade Bancorp
• Trade Bankcorp (Canada)
• Trade Capital (Hong Kong)
• Tru France Finance Ltd
• Universal Leasing Limited
• Victorhua Trading Co Limited (Hong Kong)
• WGC (UK) Finance Limited
• Wyndham Finance
• Zenith Financial Management Limited

United States & Canada

• Altika Corporation (USA)
• AmericanPlatformFunding.com (USA)
• Bass-Mint Management Group (Canada)
• City Commerce Bank (USA & Germany)
• CNF Merchant Bank (Italy)
• Echo Capital (USA)
• Execs Funding LLC (USA & Australia)
• Fox Bank (USA & Canada)
• General Equity (NZ)
• Global Capital Investment and Acquisitions (USA)
• Hamilton Guaranty Capital LLC (Texas, USA)
• Hanson Group USA LLC
• ImpactiveFund (USA)
• Ithuba Credit Corp (USA & Hong Kong)
• KBC Aldini Capital (Dubai)
• New York Security Bank (Comoros)
• NVC Fund (USA)
• Pacific Business Associates (USA)
• Panamian Trust and Savings Guarantee (Panama)
• Providence Investments Group
• Relius International Bank (USA)
• Secure Funding Group LLC (Palestine)
• Soleil Chartered Bank / Soliel Capital (USA)
• Swift Giants (USA)
• Taphus Investments (USA)
• The Baoming Group LLC (USA)
• The Investment Bank Ltd (UK)
• United Premier Venture (USA)
• United Trade Bank (USA)
• US Capital Private Bank (USA & Hong Kong)
• Vectrabank (USA)

Europe & Other Regions

• Alpha Bank (Russia)
• Amrah Bank (Azerbaijan)
• Anypayer (Czech Republic)
• Axon Invest Holding (Germany & Switzerland)
• Baltic Trust (Sweden)
• CG Bank (UAE & Comoros)
• Credit Boston International (USA)
• Credit Dnepr Bank (Ukraine)
• Credit Foncier (Comoros)
• Credit Foncier International Trade & Finance (Comoros)
• Delta West Credit Bank (UK & Comoros)
• Embank (USA)
• Eurobank (Azerbaijan)
• Europa Bank (UK)
• Euro Exim Bank (UK)
• Exim Bank (India)
• Mugan Bank (Azerbaijan)
• Nilato Pte Ltd (Singapore)
• Osanna Advisors (Italy & UAE)
• Osanna Group (Italy & UAE)
• Sberbank (Russia)
• Société Bancaire et Fiduciaire Privée (Comoros)
• St George Bank (Comoros)
• St James Bank (UK)
• Universal Credit BNCorporation (New Zealand)
• Unibanque (France)
• Union Credit Guarantee (Spain)
• WP Holding & Management (Deutschland) Ltd (Germany)
• WPM International Trade & Management Consulting Aktiebolag (Sweden)
• Yan Yhing HK Trading Co Limited (Hong Kong)

3. Banned Individuals & Scammers

Many individuals operate fraudulent financial schemes involving bank instruments. Below is a list of known scammers:

Notorious Scammers

• Adem Zilkic (Multiple Emails: adem.guarantees@gmail.com, azil.guarantees@gmail.com, azil.guarantees147@outlook.com)
• Advict.team2@rediffmail.com (Spoofing Barclays Bank Emails)
• Ali Haji aka Haji Ali Ambaro (j4sixty3@yahoo.com)
• Amer Al-Azem (ameralazem2020@gmail.com, securefundingp@gmail.com)
• Anthony Arakal (broker.arakal@outlook.com)
• Arthur Kadima-Nzuji (kadland@kadlandcapital.com)
• Ashley Challenor (inquiry@execs.com, funding@execs.com)
• Bruno De Souza Soares Cardoso
• Caroline Daniels
• Cesium144@gmail.com
• Charles David Knight (info@trufrancefinance.com)
• David Sarney (davidsarney@protonmail.ch)
• Dejan Braunovic (denovic.leasecapital@gmail.com)
• Dobrovolskiy Prokopiy (broker.prokopiy01@gmail.com)
• Dr. Mysore Srinivasa Prasad aka Srinivasa Prasad (srinivas@ensprit.com)
• Elpidio Eugenio Marcos Jr (eulendiomarcosjr@gmail.com)
• Evans Colin (info@lloydsbankingplc.co.uk)
• Francesco Osanna (Osanna Group & Solida Equity, multiple emails)
• Iyad Tarabay
• Jerome Visarra Ornopia (jerome_ornopia@yahoo.com)
• Jignesh Lightwala (jkl@asia.com, rajfinance20000@gmail.com)
• Johnson Pulimootil Abraham (johnsonpulimootil@gmail.com)
• Kang Hee (kangheeil64@gmail.com)
• Nadia Notarrigo (nadianotarrigo@protonmail.com)
• Nicolas James Cammack (info@bpbgroupfinanceltd.co.uk)
• Peter Wong (peterwong@hsbcprime.com)
• Philippe Sinclair (Multiple Scam Emails)
• Prakash Arunachalam (prak250278@yahoo.com)
• Richard G Chosid (Multiple Emails: rchosid@chosidlaw.net, richard@chosidlaw.net)
• Robert Blackburn
• Rubnei Quicoli (rubnei_quicoli@hotmail.com)
• Vimal (Bimal) Kharbanda
• Vishal Shah (info@barclaysbarleyltd.co.uk)
• Williams Smith aka Smith Williams (williamsasmith8890@gmail.com)

WARNING: Avoid any bank instruments from unrated banks, especially those from African, South American, Ukrainian, and Russian institutions. Ensure that all your financial transactions involve reputable global banks.

To safeguard your financial interests, always engage with reputable and licensed financial institutions like Artley Finance (HK) Limited which has been delivering bank guarantees and SBLC to customers since 1982. Artley Finance (HK) Limited is a trusted leader in the industry, ensuring secure and authentic financial instruments. If you require a bank guarantee or SBLC for loans, trade finance, import/export or other financial transactions, ensure that it is issued by a top-tier, globally recognized bank.

Contact us today to secure your next international deal with confidence!

Email:  finance@artleyfinance.com
Website: www.artleyfinance.com

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