Corporate Banking Services

Corporations, from microenterprises to multinationals, can take advantage of a multitude of corporate banking services when working with the right bank.  The goal for corporate banking is to build long-term relationships with corporate clients and offer products and services tailored to the day-to-day needs of these businesses.  Below is an overview of corporate banking services available for small and large corporations.

Business Line of Credit

A line of credit is a critical part of any company's financial agenda.  A business line of credit is a form of financing that is available for companies to access at any time up to a certain amount.  To qualify for a line of credit, a business or individual must meet credit score requirements. There are different types of lines of credit including revolving line of credit, asset based line of credit, standby letter of credit, etc.

Mezzanine Financing

Mezzanine financing is a combination of debt financing and equity financing.  It is unsecured debt which means that collateral is not required.  Mezzanine financing is a way for companies to obtain funding without having to go public and give up interest in the company.

Cash Management

Cash management services allow corporations to set up depository services, disbursement solutions, electronic services, and use products for collecting funds from customers. The goal is to have efficient and flexible opportunities in order to have better control over financial transactions.

Interest Rate Management

Corporations borrowing $1 million dollars in financing have the option to have customized interest rate derivative solutions.  Corporate Banking institutions offer interest-rate risk management products and consulting services for financing solutions and loans.

Capital Market Services

Corporate banking offers clients with a number of capital market solutions for specific capital needs.  Clients have public debt options, private placement options, and asset securitization options.

Bridge Financing

Bridge financing is a form of financing that is available for corporations to maintain liquidity while an expected inflow of cash is anticipated.  Companies can also use bridge financing to obtain a specific amount of funding for operational costs.  There are two types of bridge financing and they include closed bridging and open bridging.

International Credit Services

Corporate banking has an entire section dedicated to International services including export and import services, collection services, financing international trade services, and options for managing foreign currency transactions online.

While products and services may vary from bank to bank, majority of the banks aim to cater to the general needs of most corporations. The most important factor for a corporation, however, is finding the right bank to build relationships with, obtain advice and guidance from and manage financial needs.