Global Receivables and Trade Finance

Comprehensive global financing solutions

Take advantage of our highly experienced team, state-of-the-art technology, and global footprint to promote the growth of your business. Our receivables and trade finance solutions can help you meet your company’s needs for global financing and liquidity through access to alternative sources.  Strengthen your working capital, around the globe, while monitoring for fraud and mitigating international risk.

Our financing programs help support many business objectives

  • Strengthen working capital 
  • Unlock working capital in the supply chain  
  • Accelerate cash flow and enhance liquidity
  • Finance trade and manage risk
  • Protect your credit
  • Mitigate risk and reduce your days sales outstanding or extend your payables
  • Access cost-effective working capital financing options
Helps reduce the cost of capital and help speed up cash flow. Accounts Receivable Securitization (ARS) is a committed, receivables-backed facility that provides an incremental, low-cost funding source to the business to augment traditional credit facilities. ARS can be structured as debt secured by receivables or as a GAAP sale of receivables.
Helps improve cash flow and reduce risk. Key Accounts Purchase (KAP) is an uncommitted receivables purchase facility focusing on concentrated investment-grade customer accounts. KAP programs are used by companies to augment traditional credit facilities, as the programs make the receivables liquid without incurring debt.
Helps accelerate cash flow for quicker access to capital. Factoring enables a company to convert its accounts receivable to cash through sales of its business-to-business accounts receivable, arising from the sale of goods or provision of services.
Extend terms on payables to improve working capital metrics. Supplier finance programs enable the buyer to extend accounts payable terms, while at the same time, through the bank, offer the supplier the option to get paid early on that invoice at a rate that reflects the buyers’ creditworthiness.
Fueling innovation and growth, securing working capital, and extending payment terms. As a reseller, distributor, or vendor in the technology industry, Channel Finance is a widely accepted form of working capital financing for the information technology supply chain.
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Delivering a full range of working capital solutions

Products benefiting buyers/importers 

  • Supplier Finance 
  • Trade Payables Financing 
  • Clean Bankers’ Acceptance 
  • Corporate Usance L/C Payable at Sight (UPAS)

Products benefiting sellers/exporters

  • Key Accounts Purchase (AR Financing)
  • A/R Securitization
  • Export L/C Discounting
  • Clean Banker’s Acceptance
  • Avalized Drafts and Bankers’ Acceptance Purchased

Products benefiting buyers/importers

  • Import Letters of Credit
  • Demand Guarantees
  • Standby Letters of Credit

Products benefiting sellers/exporters

  • A/R Credit Indemnification
  • Banker’s Acceptance
  • Silent Confirmation for Export L/Cs
  • Export Commercial and/or SBLC Confirmation

Products benefiting buyers/importers

  • Import Collections
  • Private Label Letter of Credit
  • Open Account and Open Account With Document Instruction Processing of Import Payments

Products benefiting sellers/exporters

  • Export Letters of Credit
  • Export Collections
  • Commercial, Standby, or Demand Guarantee Advising and/or Examination

Business Viewpoints podcast series

Our leaders and special guests discuss perspectives, trends, and best practices across industries and market segments.

Listen to the latest >

What is supplier financing and how does it work?

Download infographic (PDF) >

Skeptical about IT channel finance? 4 reasons to reconsider

Flexible channel finance programs can bridge cash flow gaps and grow market share

Read article >

From factory to checkout: The supply chain story you didn’t know you were living

Read report (PDF) >

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Reach out to get started

Let’s connect. We’re focused on providing tailored products and services to meet the unique banking needs of commercial businesses.

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Products and services may require credit approval and may change due to market conditions. Wells Fargo Global Receivables and Trade Finance is the trade or business name for certain asset-based lending services, senior secured lending services, accounts receivable and accounts payable financing services, purchase order financing services, factoring, and letters of credit and other trade financing products of Wells Fargo & Company and its subsidiaries.

RO-4423905

LRC-0425