Offshore schemes: legalisation, loans
02.09.2026
An offshore company can accumulate capital and direct it into projects through a direct loan, Back-to-Back loan, bank guarantee, deposit security or pledge of an investment portfolio. Such a model helps finance working capital, construction, purchase of equipment and development of a group.
Information for decision-making
The main result: capital remains in the chosen structure, while the operating company receives credit resources under a documented agreement and a clear repayment schedule.
Result: International capital can be turned into working financing if the lending company, borrower, security and payment scheme are connected by one economic logic.
Models of international financing
A direct corporate loan is suitable for financing a subsidiary or project company. Back-to-Back creates a bank loan secured by a deposit of the offshore company. A securities portfolio can be used as security for a credit line.
A UK Ltd or EU company is often used as the front financing company that signs an agreement with the bank and directs funds into a specific project.
What tasks a credit structure is suitable for
Financing is used for purchasing goods, replenishing working capital, covering a cash gap, construction, a venture project or acquisition of a business. The term, currency, rate and security are adjusted to the project’s cash flow.
A guarantee or surety from an offshore company can strengthen the borrower’s position and connect the loan with a deposit, portfolio or corporate assets of the group.
Bank and investment portfolio
The bank assesses the value of the deposit or portfolio and offers a credit limit. The investment asset continues to work, while the project receives liquidity for current tasks.
We support preparation of the corporate chain, agreements and description of the source of capital for negotiations with the bank.
Typical business schemes
Scheme 1. Direct international financing
Such a structure is suitable when the group is ready to accept the financial responsibility of the project. The agreement fixes the currency, rate, term, purpose of funds, security and repayment procedure. The lending company should have the financial capacity to provide the loan and a corporate decision approving the transaction.
Scheme 2. Back-to-Back loan
The bank arranges a pledge or control over the deposit, determines the conditions for early termination and the right to debit funds in case of default. The UK Ltd keeps its own accounts, confirms the purpose of the loan and services interest from operating cash flow.
Scheme 3. Portfolio-backed financing
Before the transaction, the permitted securities, currency, maximum concentration, rules for replacing security, margin call events and the bank’s right to sell the portfolio are agreed. For the group, it is important to compare the return on assets with the full cost of the loan.
How to start
- Determine the amount, currency, term and purpose of financing.
- Choose a direct loan, Back-to-Back, deposit security or portfolio security.
- Prepare corporate decisions, the agreement and payment schedule.
- Agree the bank, financing company and procedure for transfer of funds.
How to connect capital and financing
The choice between a direct loan, Back-to-Back, guarantee or pledge depends on where the liquidity is held, which project receives funds and what income the capital should generate. For the owner, it is important to see the cash flow for the whole financing period in advance.
Professional preparation makes it possible to agree the corporate and banking parts before the first payment and reduce the cost of later changes. We prepare the credit structure and documents and support opening business bank accounts for the specific project.
Result
An international credit structure makes it possible to use accumulated capital for development of the operating business and new projects. We will arrange the company and document set, determine the security structure and support work with the bank for your financial task.