LENDING & TRADE SERVICES
FINANCE FOR OPERATIONS. TRADE. PRODUCTIVE GROWTH.
FINANCE SUPPORTING REAL ECONOMIC ACTIVITY
Businesses require finance at different stages of the operating cycle – from purchasing inputs and holding inventory to delivering contracts, acquiring productive assets and waiting for customers to pay.
Cross-border transactions may also require payment instruments, guarantees, shipment finance and greater coordination between buyers, suppliers, banks and other counterparties.
ATIB’s Lending & Trade Services proposition brings together corporate lending, trade finance, receivables solutions, asset-related finance and selected personal-finance capabilities around the client’s underlying requirement.
We begin with the commercial purpose, expected source of repayment, timing, transaction parties, available security and principal risks before considering the most relevant financing route.
EXPLORE LENDING & TRADE SERVICES
ATIB’s capabilities support eligible clients seeking finance for business operations, trade transactions, receivables, productive assets and selected longer-term requirements.
CORPORATE & BUSINESS LENDING
WORKING CAPITAL FINANCE
Finance intended to support eligible operating requirements such as inventory, inputs, suppliers, contract delivery and timing differences between expenditure and customer payment.
TERM LOANS
Medium or longer-term finance for eligible business expansion, capital expenditure, equipment, operating capacity and other defined corporate purposes.
REFINANCING
Consideration of replacement or restructured financing where existing obligations, maturities or repayment profiles no longer align appropriately with the client’s financial position.
TRADE FINANCE
LETTERS OF CREDIT
Payment instruments supporting eligible domestic and international trade transactions where buyers and sellers require greater certainty around documentary performance and settlement.
CREDIT GUARANTEES
Approved bid, performance, advance-payment and other guarantee instruments supporting defined contractual obligations, subject to credit assessment and transaction requirements.
IMPORT & EXPORT FINANCE
Financing connected to the purchase, shipment, delivery and settlement of eligible goods or services moving between suppliers, buyers and markets.
INTERNATIONAL TRADE & MARKET ENGAGEMENTS
Coordination around qualifying cross-border opportunities involving buyers, suppliers, commercial counterparties, trade requirements and appropriate financing or risk-mitigation pathways.
SPECIALIST & PERSONAL FINANCE
Availability, eligibility and publication status vary by product and jurisdiction.
ASSET FINANCE
Finance connected to qualifying vehicles, machinery, equipment and other productive assets required for business operations or expansion.
LEASING SERVICES
Structured access to qualifying productive assets through approved leasing arrangements aligned with the client’s operational use and payment capacity.
FACTORING & RECEIVABLES FINANCE
Financing that may allow eligible businesses to convert approved invoices or receivables into earlier liquidity rather than waiting for the contractual payment date.
MORTGAGE FINANCE
Property-related finance for eligible clients and approved purposes, subject to product readiness, valuation, affordability, security and jurisdictional requirements.
RETAIL & PROFESSIONAL LENDING
Selected finance for eligible individuals and professionals, subject to approved products, affordability assessment, documentation and operational availability.
FINANCE SHOULD MATCH THE COMMERCIAL PURPOSE
Financing works most effectively when its amount, maturity, repayment profile, security and documentation reflect the commercial activity it is intended to support.
ATIB considers the client’s objective, source of repayment, operating cycle, transaction parties, asset or receivable, currency requirements and principal risks before determining which lending or trade capability may be relevant.
Complex project or capital requirements may connect with Corporate & Structured Finance. Cash, currency and market requirements may involve Global Markets & Treasury, while personal investment and long-term wealth objectives belong under Wealth Management.
