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Export Working Capital

Unlock global opportunities.

Connect with us link goes to the contact us form

Export Working Capital

Unlock global opportunities.

Connect with us link goes to the contact us form

International trade opens new sales opportunities. Our export working capital solutions provide tailored financing options to help you confidently navigate the global marketplace.

Consultative Approach

Leverage our experience with these programs to help grow your business. We’ll collaborate on understanding your needs, goals and risk tolerance, then develop a financing strategy that supports your particular situation and international potential.

EXIM Bank Export Working Capital Program

Borrow against assets other lenders might not be willing to include as eligible collateral. Gain access to working capital to grow your international sales while not constraining your cash flow. Use your working capital for the issuance of standby letters of credit to cover bid, performance, warranty bonds and advance payment guarantees. Get the flexible capital you need to complete your international orders, helping you to continue to focus on growing your international sales.

SBA Export Working Capital Program

Secure financing to support the issuance of standby letters of credit in the form of bid bonds, performance bonds, warranty bonds and advance payment guarantees. Get your business the capital you need to buy raw materials, source supplies and complete orders by borrowing against assets other lenders might not be willing to include as eligible collateral.

Frequently Asked Questions

Whether you are new to exporting or growing your international sales rapidly, having tools that help provide the working capital to grow your business is important. We ask a lot of questions along the way in order to tailor our solutions to fit your situation and need.
One main difference is that the SBA borrower limit is capped at $5 million and EXIM does not have a cap. Another difference is that EXIM Bank requires a U.S. content requirement of the products or services being exported, because its primary mandate is to create more U.S. jobs. Both programs will typically require some trade credit insurance on your AR before including them as eligible collateral with Commerce. Some of the other noticeable program differences are applicable to the bank and not the borrower.
Absolutely! We love supporting businesses as they take their first global steps. We’ll spend time with you, listen to your goals, and craft a plan that fits your needs. With us, you’re never alone in navigating the expanded opportunities of international trade.
Commerce is dedicated to helping you grow. With this kind of loan, we will underwrite your loan request according to criteria established by the SBA or EXIM Bank. From there, we will loan your business the money or issue your standby letter of credit to support your international orders, ensuring your business has the support it needs to fulfill export sales.

Connect With Us

International opportunities are too important to overlook, and we’re ready to bring them to your door. Taking a big step with your business is easier with advice and insights you can trust.

If you would like to speak with a small business Commerce Bank team member directly, please call 1-866-365-9346 or visit our Contact Us library of solutions and service team phone numbers.

Let’s talk about where you’re headed next

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