Global Receivables and Trade Finance

Supplier finance (also known as reverse factoring or supply chain finance) 

Help extend your payment terms, lower financing costs for your suppliers, and strengthen your vendor base using our early-payment supplier finance programs.

Import letters of credit

Documentary letters of credit can help extend your days payable outstanding.  Wells Fargo’s long-term issuer ratings may strengthen the quality of your credit standing with your supplier potentially allowing you to negotiate better terms and/or pricing.

Banker’s acceptance

Clean banker’s acceptance is a flexible financing solution that can help you conserve cash and position you to obtain better pricing from your vendors. 

Open account solutions

Our open account solutions help provide customers with greater visibility, automation, accuracy, and integration throughout the entire transaction process. Qualified customers can use our Supplier Finance program to extend their payment terms and meet their working capital needs while simultaneously offering suppliers a new source of funding.

Accounts receivable (AR) finance and securitization

Help speed up your cash flow, provide better credit terms, and reduce the risk of non-payment with solutions such as AR discounting, factoring, and securitization.

Export letters of credit

Documentary letters of credit can help expand sales to new international markets and help control your trade risks.

Draft discounting and confirmation

Accelerate your cash flow and extend improved terms to your customers with an early payment discounting or confirmation solution.

Factoring

Help accelerate cash flow, improve collections, and mitigate risk with working capital financing to support your business now and over time. 

Securitization 

For larger pools of receivables, consider our non-recourse securitization program, both on- and off-balance sheet.

Standby letters of credit and demand guarantees

Wells Fargo’s long-term issuer ratings may strengthen the quality of your credit standing with your counterparty (beneficiary), open new business opportunities, manage risk, and possibly reduce a deal’s overall costs.

International factoring

Accelerate your cash flow, lower the risk of overseas sales, expand to new markets with open account terms, reduce bad debt losses, and convert costs from fixed to variable with our international factoring platform.

Import bank solutions

Enhance your ability to finance your customers’ trade transactions with L/C reimbursement financing, usance L/C payable at sight, letter of credit confirmations, and irrevocable reimbursement undertakings.

Export bank solutions

Grow your export funding options and increase your control of credit, interest-rate, and counter-party risks with international factoring and other financing solutions.

Financing and credit protection

Increase liquidity, strengthen credit quality, and facilitate new business opportunities for you and your customers with SWIFT trade loans, standby letters of credit, and demand guarantees.

Wells Fargo Vantage^SM online platform

Offered through the Wells Fargo Vantage^SM platform (formerly Commercial Electronic Office^®), our online trade services portal enables you to streamline transaction initiation, presentation and payment activities, supported by powerful inquiry and on-demand reporting features.  Clients can manage all transaction types on a single platform, from letters of credit to open-account activities, and for the full transaction lifecycle, from purchase order to payment.

ICE Digital Trade (formerly known as essDOCS) partnership

Streamline and accelerate your export documentation preparation processes through Wells Fargo’s partnership with essDOCS, a top provider of fully digital trade document management solutions across a global network of shippers and carriers supporting electronic bills of lading and other trade documents.

Client ERP integration

Integrate your receivables and trade activities with our back-office systems via our system-to-system electronic Enterprise Resource Planning (ERP) connectivity solutions. Our proprietary platform enables flexible options supported by our worldwide network of experienced trade processing and customer service professionals.