Trade & Working Capital
Manage your global trade and working capital effectively to bolster the success of your business. Optimize cash flows, mitigate risks, streamline operations and access the financing you need to grow.
- Optimize Your Cash Flow & Get Paid Faster
- Manage Payments & Extend Payment Terms
- Reduce Payment or Performance Risk
- Finance Purchases or Imports
- Finance Sales or Exports
- Streamline Your Trade Operations & Improve Efficiency
- Fund Large or Complex Projects / Investments
- Leverage Your Assets for Funding
Citi Trade Payables Finance
Extend your own payment terms while enabling your suppliers to receive prompt payment, freeing up your working capital.
Citi Supplier Finance
Proactively empower your important suppliers to receive accelerated payments, strengthening relationships and stabilizing your supply chain.
Citi Dynamic Discounting
Leverage your available cash to pay approved supplier invoices earlier in exchange for a discount, turning surplus cash into a profitable return.
Global Accounts Receivable Program (GARP)
Convert your customer invoices into immediate cash through Citi, enhancing liquidity without waiting for customer payments.
Distribution Finance (DF)
Get paid quickly for your sales, even if you offer longer payment terms to your distributors, helping you boost sales and maintain steady cash flow.
Credit Insured Accounts Receivables (CIAR)
Receive early payment for your invoices, with the added security of a credit insurance policy to protect against the risk of customer non-payment.
Citi Trade Payables Finance
Gain more time to use your cash (e.g., 60 days) while your suppliers are paid more quickly by the bank (e.g., 10 days).
Usance Letter of Credit (LC)
Structure your import purchases to allow you extended payment terms (e.g., 30, 60, or 90 days) after goods are shipped.
Citi Consolidate℠
Streamline and automate your entire purchase-to-payment process digitally, simplifying document review and payment flows.
Commercial Letter of Credit (LC)
For sellers, receive a bank's promise of payment. For buyers, enable payment to occur upon verifiable proof of shipment, mitigating risk for both parties.
Standby Letter of Credit (SBLC) / Guarantee
Obtain a bank's commitment to pay if a specific contractual obligation (Performance SBLC, ensuring project completion) or financial obligation (Financial SBLC, covering non-payment) is not met, providing a financial safety net.
Credit Insured Accounts Receivables (CIAR)
Finance your receivables with the added protection of credit insurance, reducing your exposure to customer payment defaults.
Import Loans
Access short-term funds to pay for goods and services you're buying, domestically or internationally, enabling timely acquisition and avoiding supply chain delays.
Commercial Letter of Credit (LC)
Secure your import purchases by guaranteeing payment to your seller only after they provide necessary shipping documents.
Export Loans (Pre & Post Shipment)
Obtain funds both before (for production) and after (while awaiting customer payment) shipping goods you've sold internationally, bridging the financial gap in your export cycle.
Export Agency Finance (EAF)
Secure long-term, competitively priced loans for large international sales or projects, leveraging government-backed guarantees from Export Credit Agencies.
Commercial Letter of Credit (LC)
As an exporter, receive a bank's promise of payment, reducing the risk of non-payment from international buyers.
Collections (Documentary Collections)
Utilize banks to facilitate the exchange of shipping documents for payment for your exports, offering a more controlled alternative to open account trading.
Citi Consolidate
Automate and simplify your supply chain process, from purchase order management to payment, enhancing transparency and efficiency for both buyers and suppliers.
Collections (Documentary Collections)
Manage the secure exchange of shipping documents and payment instructions through banking channels, speeding up settlement processes.
Structured Loans
Access customized, flexible financing solutions for unique, often larger, working capital needs, potentially with longer terms or specialized financial setups.
Export Agency Finance (EAF)
Secure significant, long-term financing (often 10+ years) for major export deals or infrastructure projects, benefiting from competitive terms due to government guarantees.
Borrowing Base Finance (BBF)
Obtain a flexible, revolving line of credit where your borrowing limit is directly tied to the value of your business's assets, such as inventory or accounts receivable.
Tap into digital innovation to help transform your trade
We enable you to cut through the noise and move with confidence and speed – so you can optimize your day-to-day operations, expand your reach, and help drive continued growth.
90+
Operating in 90+ countries and 69 currencies, Citi offers extensive local knowledge and global reach
$850B
$850B in annual trade throughput and $122B in trade assets distributed globally
80K+
Citi manages over 80,000 suppliers
*Metrics as of October 2025
Your trade, transformed
As your partners in progress, we help you to cut through the noise and move with confidence and speed.
Insights with your business in mind
Discover how we’re fueling innovation in trade & working capital.
