Guide · Payment

DLC vs SBLC: How to Pay for Sugar Imports

In international sugar trade neither party pays blind — payment runs through a bank instrument. The two you'll hear most are the DLC and the SBLC. Here's what each is and when to use it.

DLC — Documentary Letter of Credit

A DLC is a payment mechanism. The buyer's bank commits to pay the seller a defined amount once the seller presents documents that comply exactly with the credit — typically the bill of lading, commercial invoice, certificate of origin, SGS/Intertek inspection and health/phytosanitary certificates. The bank, not the buyer, controls the release, which protects both sides.

SBLC — Standby Letter of Credit

An SBLC is a guarantee, not the primary payment. It sits in the background and is only drawn if the buyer fails to pay by the agreed method. It's often used to secure a contract or a payment obligation rather than to settle each shipment.

Which one for a sugar deal?

Most physical sugar transactions settle on a DLC — it's built for shipment-against-documents. An SBLC is used where the parties want a guarantee structure. Either way, the instrument should be issued or confirmed by a first-tier bank and, for L/Cs, governed by UCP 600 — the ICC rules that standardise letters of credit worldwide.

Request a quotation

Duna Trading sources Brazilian ICUMSA 45 and VHP sugar and ships worldwide under Incoterms 2020, with DLC/SBLC payment (UCP 600) and SGS/Intertek inspection at loading. Tell us your grade, quantity and destination port and the São Paulo desk reverts with a quotation.

Guide · Payment

Payment — FAQ

Is a DLC safe for buying sugar?

Yes. A DLC is the standard, bank-controlled payment for commodity trade: the issuing bank pays the seller only against compliant shipping documents, so neither side pays or ships blind.

What is the difference between a DLC and an SBLC?

A DLC is a primary payment instrument — it is designed to be drawn on every shipment. An SBLC is a guarantee/backstop that is only drawn if the buyer fails to pay by the agreed method.

Who issues the instrument?

The buyer's bank issues it in favour of the seller. It should be issued or confirmed by a first-tier bank and governed by UCP 600 (for L/Cs) or ISP98/URDG for standby instruments.