Finally, the lender declares itself ready to provide short-term financing to the borrower; this possibility can be compared to a promised facility, in which the financing agreement is clearly defined by the credit company and where there are stricter criteria to which the borrower must comply. Lots of banks and funds; In particular, in the raw materials sector, we are talking about unrelated trade finance facilities. The word is quite often used when we talk about short-term transactions and facilities of goods to which merchants have access. It is important to note that a company has many facilities at all times, as it is not linked and therefore cannot always be invoked. The unrelated nature of the investment means that a funder is not required to lend. In each document, there are generally „lower limits“ that indicate as much as possible that a business can borrow for certain types of transactions. However, even if the criteria are met, a bank is still not required to provide loans when a borrower makes an application. The terms and conditions for related and unrelated facilities are used to refer to capital financing conditions for short- or long-term agreements. In the case of a promised facility, the lender must pay money to the borrower as soon as the terms of the loan agreement are agreed. In return, the borrower pays the lender a commitment tax – a fee that must be paid to a lender on available but unused amounts and is calculated from time to time as a percentage of these unused funds. With a promised facility, the Bank commits to allocating resources within a fixed-term cap and at an agreed interest rate.