One risk for exporters is foreign exchange risk. Letter of credit is an order written by an exported requesting an importer to pay a specified amount of money at a specified time. A bill of lading is the shipping documents issued to the exporting firm or its bank by a common carrier that transports the goods. Large multinational companies must compromise with complexity when managing the multinational financial system. Reasons for misallocated cash are having surplus funds in low need areas and having a shortage of funds in high need areas