Michael Choi

⚖️ Solicitor (Hong Kong) dedicated to accessible justice.
🕒 Providing 2 hours of FREE legal advice daily to the community.
📧 Contact: [email protected]

[Michael Choi @Choi_Lawyer]

Institutional lenders don’t underwrite optimism—they underwrite bankable contracts & ring-fenced cash flows. Master SPV architecture, EPC/offtake risk allocation, Equator Principles & CP management.

10-point project finance checklist:
🔗 https://t.co/aoENDGRAC0

#ProjectFinance

[Michael Choi @Choi_Lawyer]

How do some traders make $20,000 profit without using their own money?

Short explanation:
https://t.co/MN5Nw8NiDJ

Full guide:
https://t.co/71RJJyhD8i

[Michael Choi @Choi_Lawyer]

Sight LC vs. Usance LC: How do you balance exporter cash flow with buyer credit terms? Learn UCP 600 rules, DPU mechanics, and how UPAS discounting unlocks immediate cash on 180-day terms.

🔗 https://t.co/TsAwjLGbvZ

#TradeFinance #LetterOfCredit #UCP600 #UPAS #Banking #Legal

[Michael Choi @Choi_Lawyer]

Defective SWIFT MT760 wording is the #1 cause of SBLC payment refusals & low monetization LTVs. Learn how to fix conditional demands, governing rules & Evergreen expiry clauses under ISP98.

Our full legal guide: 🔗 https://t.co/RedGGtzd4V

#ProjectFinance #SBLC #MT760 #SWIFT

[Michael Choi @Choi_Lawyer]

借錢給朋友沒簽借據，對方拖欠怎麼辦？在香港，口頭借貸同樣有效！重點在於舉證。善用 WhatsApp 對話紀錄 + 轉數快紀錄 + 小額錢債審裁處（7.5萬港元以下），合法追討債務。

完整法律追討教學與強制執行方法：
🔗 https://t.co/HtuOO2gyVQ
#香港法律 #小額錢債 #債務追討 #蔡律師

[Michael Choi @Choi_Lawyer]

How do Green Clause LCs balance pre-shipment exporter liquidity with buyer protection? By securing advances against pledged warehouse warrants via SWIFT MT700 under UCP 600.

Read our full trade guide: 🔗 https://t.co/DZirvQ8Qp7
#TradeFinance #GreenClause #LetterOfCredit

[Michael Choi @Choi_Lawyer]

How do Red Clause LCs solve pre-shipment liquidity gaps? By authorizing unsecured advance payments via SWIFT MT700 Field 47A under UCP 600 rules.

Read our full trade finance guide: 🔗 https://t.co/94WpHv4FP7
#TradeFinance #RedClause #LetterOfCredit #Banking #Legal

[Michael Choi @Choi_Lawyer]

Extending or modifying an SBLC? Informal notes hold zero legal weight. Learn how the SWIFT MT767 protocol, ISP98 Rule 2.06 & beneficiary consent rules govern bankable SBLC extensions.

Read our full legal guide:
🔗 https://t.co/5dJCS6NLzZ

#ProjectFinance #SBLC #MT767 #SWIFT

[Michael Choi @Choi_Lawyer]

How do developers lease an SBLC for project debt? By executing a Collateral Transfer Agreement, enforcing SWIFT MT799/MT760 under ISP98 & protecting fees via solicitor escrow.

Full step-by-step guide: 🔗 https://t.co/P6siliiTaE
#ProjectFinance #SBLC #MT760 #Banking #Legal

[Michael Choi @Choi_Lawyer]

How do SPVs drive non-recourse project finance? By legally isolating single assets, ring-fencing risks away from sponsors & enforcing strict cash waterfalls.

Read our full structural & legal guide:
🔗 https://t.co/iMJ7pfKG90

#ProjectFinance #SPV #Infrastructure #Banking #Legal

[Michael Choi @Choi_Lawyer]

How do PPPs & project finance intersect? SPVs raise limited-recourse debt against long-term public contracts, aligning risk across EPC, O&M & lenders.

Read our full structural & risk guide 👇
🔗 https://t.co/SRsKjxYPZW

#ProjectFinance #PPP #Infrastructure #Banking

[Michael Choi @Choi_Lawyer]

Shipping cross-border? A Confirmed LC adds a 2nd bank’s independent payment promise, eliminating issuing-bank & country risk under UCP 600.

Learn when to mandate confirmation & who pays fees:
🔗 https://t.co/pEOIcsSCqY

#TradeFinance #Export #LetterOfCredit #ImportExport

[Michael Choi @Choi_Lawyer]

Middlemen: How do you finance suppliers while protecting trade secrets? A Back-to-Back LC uses the buyer’s Master LC to back a secondary supplier LC under UCP 600.

Step-by-step guide & risk analysis:
🔗 https://t.co/71RJJyhD8i

#TradeFinance #LetterOfCredit #ImportExport

[Michael Choi @Choi_Lawyer]

How do traders fund suppliers without using balance-sheet cash? A Transferable LC (UCP 600 Art 38) passes the buyer's bank guarantee to suppliers while preserving trader margins.
🔗 https://t.co/1dx5nUzx2p

#TradeFinance #Commodities #LetterOfCredit #ImportExport

[Michael Choi @Choi_Lawyer]

DLC or SBLC? Commercial DLCs (MT700 / UCP 600) settle physical trade via shipping docs. SBLCs (MT760 / ISP98) act as contingent default guarantees & credit enhancement.

Compare key legal differences:
🔗https://t.co/18oQ22SDar

#TradeFinance #SBLC #ProjectFinance #Banking

[Michael Choi @Choi_Lawyer]

海外及內地資產如何繼承？普通法地區（英/澳）可辦理 Re-sealing 遺產承辦蓋印；內地資產則需經中國委託公證人辦理轉遞及繼承權公證。注意英國 IHT 40% 遺產稅先稅後證原則！

閱讀Choilawyer跨國遺產實務指南：
🔗 https://t.co/kfuE5Bxf4j

#遺產承辦 #ReSealing #英國遺產稅 #Choilawyer #香港法律

[Michael Choi @Choi_Lawyer]

Performance Bond or SBLC? Surety bonds (URDG 758) back construction completion, while bankable SBLCs (ISP98 via SWIFT MT760) back cross-border debt & DSRA replacement.

Compare key legal & financial differences:

🔗 https://t.co/njjWedgYgR

#ProjectFinance #SBLC #TradeFinance

[Michael Choi @Choi_Lawyer]

How does an SBLC elevate project bankability? It replaces cash DSRAs, relaxes DSCR covenants (to 1.15x), and cuts senior loan spreads by 50–150 bps under ISP98 rules.

🔗 https://t.co/QUFpVsGA8G

#ProjectFinance #SBLC #TradeFinance #Banking

[Michael Choi @Choi_Lawyer]

What causes 90%+ of SBLC deal failures? Unescrowed fee wires, fake PDF "proofs," mismatched KYC, and "5-day delivery" promises.

Learn how to protect your capital with our 8-point risk guide:

🔗 https://t.co/thHcmZ8v7b

#TradeFinance #SBLC #ProjectFinance #RiskManagement

[Michael Choi @Choi_Lawyer]

How do you vet an SBLC provider? Demand independent solicitor escrow, confirm Tier-1 issuing bank SWIFT RMA links, and reject "guaranteed 5-day delivery" claims.
Our due diligence checklist:

🔗 https://t.co/aBbllQHqQr

#TradeFinance #SBLC #ProjectFinance #DueDiligence