How Fast is Fast? Transfer Time for Corporate Liquidity
In the pursuit of competitive Corporate Liquidity and accelerated Capital Access, finance teams frequently ask: how quickly can a Collateral Transfer facility translate into actionable funds?
While the movement of the actual financial instrument is typically completed within a few banking days once contracts are in place, the total Funding Timeline is composed of several critical phases, each demanding precision. The process can be significantly faster than traditional lending for large sums, but requires meticulous cooperation to maintain Transaction Speed.
Phase 1: Preparation and Due Diligence
This phase, which is part of the overall 8 to 12-week recommended timeframe, is the most time-consuming, yet crucial, as the Transaction Speed depends entirely on the accuracy and speed of client compliance.
Estimated Time: 4 to 8 Weeks
| Step | Description | Time Factor |
| Initial Vetting | Submission of the Client Information Profile (CIP) and immediate Anti-Money Laundering (AML) checks. | IntaCapital Swiss offers initial acceptance within 48 hours. |
| Term Sheet Issuance | Our financiers locate a suitable Collateral Provider and issue a formal Term Sheet detailing all pricing, terms, and conditions. | Completion of all legal documents and due diligence typically requires 8 to 12 weeks from the initial application. |
| Contract Execution | Formal acceptance of the Term Sheet and signing of the Collateral Transfer Agreement (CTA) and related security documents. | Requires prompt action and payment of the initial booking fee by the client. |
Key to Speed: Full and rapid cooperation from the client in providing clean, complete documentation is the single biggest determinant of accelerating the Funding Timeline.
Phase 2: The Final Interbank Transfer
Once the legal paperwork is finalised, the actual transfer of the security is where the efficiency of modern Corporate Liquidity mechanisms shines.
Estimated Time: 1 to 3 Banking Days
- SWIFT Advice: The Provider’s issuing bank sends a preliminary SWIFT advice (such as the MT799 pre-advice) to the Recipient’s bank, confirming the pending transaction and verifying account details.
- Instrument Issuance: Following confirmation and the successful lodgement of the Provider’s underlying assets, the Bank Guarantee (BG) is issued and transmitted inter-bank via the highly secure SWIFT MT760 platform.
The transfer of the BG security to the Recipient’s bank is generally completed within 1 to 3 banking days following the final contractual closing.
Phase 3: Monetisation and Final Capital Access
The final step is converting the collateral into immediately usable capital, providing genuine Corporate Liquidity.
Estimated Time: Variable (Typically 1 to 2 Weeks)
- Collateral Verification: The Recipient’s bank formally applies the received BG to the client’s account and completes its internal verification, granting the client the right to draw against the collateral.
- Loan Drawdown: If IntaCapital Swiss is assisting with Monetisation, we work with our panel of lenders to secure a credit facility against the new BG. If the client uses their own bank, this step is handled internally.
The facility is secured at this point, and the drawdown of the funds—the true moment of Capital Access—occurs once the client and their lending bank finalise the terms of the Monetisation facility.
Summary: Optimising Your Funding Timeline
While the speed of the final instrument transfer is typically completed within a few banking days, the total process for securing large-scale Corporate Liquidity via Collateral Transfer is measured in weeks, not days. This methodical approach ensures legal rigour and integrity throughout the entire transaction.
IntaCapital Swiss fast-tracks every possible stage, offering tailored facilities to ensure swift and successful Capital Access for your business.
Ready to accelerate your capital? Contact our experts today to map your specific Funding Timeline.
