Trade Finance Working Capital Loans

Sellers can take advantage of credit lines and insurance policies

Companies sending exports overseas can find themselves with cash-flow challenges as they await buyer payments. First American Bank can help bridge the gap. We offer short-term and medium-term financing options, as well as access to the entire suite of export products from the Small Business Administration (SBA) and EXIM Bank.

• First American Bank's Trade Finance ABL product provides flexible working capital against a pool of insured foreign receivables.
• Export credit insured receivables are eligible in the borrowing base.
• The asset-based structure is customized to provide financing that meets the individual needs of the exporter.
• Line of credit availability can adjust as often as necessary to meet the working capital needs of the business.

• First American Bank's Transactional Trade Finance product provides flexible working capital to support international trade.
• The product can support both import and export transactions with customized repayment terms specific to each individual order.
• First American Bank’s transactional program can work as a supplement to a company’s working capital product and is perfect for financing individual projects.
• The bank approves the buyers and administers all transactions.
• Foreign buyers have access to U.S. market lending rates.
• The document review is expedited and document ownership is protected.

• The Export Working Capital Program (EWCP) can support facilities up to $5 million to fund export transactions.
• An EWCP loan offers greater flexibility in negotiating export payment terms.
• The Program can be administered on an asset base or can be used to finance individual purchase orders or invoices.
• Proceeds can be used for financing for suppliers, inventory, WIP, or production of export goods or services.
• EWCP loans can support the issuance of advanced payment guaranty and stand-by letters of credit with reduced collateral requirements.
• EWCP loans have a low annual guaranty fee and quick processing time as First American Bank is one of the few delegated lenders under the program nationally.

• The CAPLine Program can support facilities up to $5 million to fund a combination of import and export transactions.
• CAPLines can be structured to support seasonal working capital needs.
• The program can be administered on an asset base or can be used to finance individual purchase orders or invoices.
• Proceeds can be used for financing for suppliers, inventory, WIP, or production of export goods or services.
• Similar to the EWCP program, CAPLine loans have a low annual guaranty fee and quick processing time as First American Bank is one of the few delegated lenders under the program nationally.

Given the extended payment cycles of international trade, growing exporters often face the challenge of managing their cash flow at home while supporting the terms issued to their foreign buyers.

By partnering with the EXIM Bank, First American can structure a Working Capital Guaranty (WCG) line of credit to support your export business. In addition to providing export working capital, a WCG line of credit can be structured to complement your domestic borrowing needs.

• The EXIM Bank’s Working Capital Guaranty program supports facilities of up to $10 million to fund export transactions.
• First American Bank is a Delegated Authority Lender for facilities up to $7.5 million.
• Disbursements can only be made against firm purchase orders from a foreign buyer or to support foreign accounts receivable.
• WCG loans can support the issuance of advanced payment guaranty and stand-by letters of credit with reduced collateral requirements.
• The EXIM bank WCG program can support the export working capital needs of foreign-owned companies operating in the United States.

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