Loans
Type of Loans
Trade Financing Working Capital Loan Facility Loan
Purpose of loan
Import L/C issuance & T/R Loan
Settlement of D/P, D/A
Import related expenses
Working capital to support sales growth, increase in account receivable and inventory due to cyclical and seasonal reasons Expansion of a factory, purchase of machinery, equipment, fixtures, and furniture
Loan Amount Up to 100% of import transaction(Revolving line of credit available) Within financing requirements calculated by the Bank(Revolving line of credit available) Total budget minus the Bank's required down payment
Loan Term For each business cycle of import transaction up to a maximum of 1 year Within a turnover period of business up to a maximum of 1 year Within the economic life of assets to be acquired up to a maximum of 10 years
Repayment Schedule Bullet payment at maturity Bullet payment at maturity or installment payment Installment payment based on agreed-upon terms
Others The Bank is highly specialized in export & import transactions and other related financing Five-year loan term can be applied for permanent working capital Flexible repayment schedule is available
Business Loan Asset-Based Loan Commercial Mortgage Loan
(Mortgage Loan)
Loan Purpose Purchase of an established business Account receivable financing Inventory financing Purchase of commercial property or refinance of existing loan
Loan Amount Total budget minus the bank's required down payment Up to 75% of eligible account receivable Up to 50% of eligible inventory Up to 60% of appraisal value
Loan Term Up to 3 years Within a turnover period of A/R, inventory up to a maximum of 90 days(Line of credit is available for 6-month terms) 5 Years (Refinancing at Maturity)
Repayment
Schedule		 Installment payment based on agreed-upon terms Bullet payment at maturity Monthly equal installment of principal & interest based on 25 years amortization
Others Credit facility for sole proprietorship 1st priority UCC Filing required 1st position Deed of Trust required
Miscellaneous Services for Customer
Surveys of the US economy, industrial trends and business environment of California can be provided for customers. Provision of guidelines to the procedures of establishing a corporation in the United States and information on the US financial system, etc.
The KEB LA Financial Corp. is unable to provide loan services or household loans to individuals.
Permanent residents in the U.S. can use either real estate or deposits in Korea as collateral on loans in the U.S.
California loans will be made pursuant to Department of Corporations California Finance Lenders Law License.

For further information, please call us at (213) 452-6611 and ask to speak to our loan officer.
Export Import Transaction
Service Classification Rate Remarks
EXPORT L/C Advice
Original
Amendment
 
USD 60
USD 50
Collection
L/C
D/P, D/A
 
0.1%
USD 60~90
 
Min USD 80
   
Negotiation of L/C
Nego comm.
Interest (sight)
Interest (usance)
Discrepancy comm
 
0.1%
   
   
USD 80
 
Min USD 50
AMT*(1ML+5.30%)*10/360
AMT*(3ML+6.10%)* term/360
   
L/C Confirmation 0.3%~3% Per month, Min USD 50
L/C Transfer 0.125% Min USD 60
Assignment of Proceeds 0.125% Min USD 60
IMPORT L/C Open Term charge
Increase of L/C Amount		 015%~0.35% Per 3month, Min USD 70
L/C Amendment (other) USD 50  
L/C Acceptance 0.35~0.5% Per 3month, Min USD 50
D/A Acceptance USD 60~90  
Settlement comm USD 80 remittance method
Discrepancy fee USD 80  
L/G Issue USD 50  
REIM L/C Reim Comm USD 135  
OTHER SWIFT Cable USD 20~80 Differs in letter quantity
Wire transfer USD 20~30  
Mail USD 10~45  
* Fee &Commissions are according to transaction volume