Trade and working capital solutions

As global trade grows increasingly complex, access to smarter and faster platforms that redefine trade services and working capital is key. Citi's innovative solutions can help deliver on that need and transform your trade.

Your trade, transformed

As your partners in progress, we help you to cut through the noise and move with confidence and speed

Citi Digital Bill

Remove disconnected manual processes, limit operational risks, provide greater visibility using Citi Digital Bill.

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From Silk Road to Digital Trade: Citi's Innovation Journey

Discover how modernization and globalization made trade more complex than ever. See how Citi is at the forefront- making global trade simpler, faster and more digital.

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GTR Leaders in Trade Interview: Adoniro Cestari

Adoniro Cestari, Head of Trade and Working Capital, Citi outlines what’s next for Citi’s trade unit, from digitization and AI-driven innovation.

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View more trade digitization content

Leverage the power of citi

90+
Operating in 90+ countries and 69 currencies
$850B
$850B in annual trade throughput and $122B in trade assets distributed globally
110K+
Managing 110,000+ suppliers across the globe

*Metrics as of September 29, 2025

How we help you

Optimize your cash flow & get paid faster

Citi Trade Payables Finance

Extend your own payment terms while enabling your suppliers to receive prompt payment, freeing up your working capital.

Citi Supplier Finance

Proactively empower your important suppliers to receive accelerated payments, strengthening relationships and stabilizing your supply chain.

Citi Dynamic Discounting

Leverage your available cash to pay approved supplier invoices earlier in exchange for a discount, turning surplus cash into a profitable return.

Global Accounts Receivable Program (GARP)

Convert your customer invoices into immediate cash through Citi, enhancing liquidity without waiting for customer payments.

Distribution Finance (DF)

Get paid quickly for your sales, even if you offer longer payment terms to your distributors, helping you boost sales and maintain steady cash flow.

Credit Insured Accounts Receivables (CIAR)

Receive early payment for your invoices, with the added security of a credit insurance policy to protect against the risk of customer non-payment.

Disclaimer: Citigroup is not acting in an any advisory role in relation to Legal, Tax, or Accounting issues relating to this structure or otherwise. All companies should obtain their own Legal, Tax, or Accounting advice in relation to your evaluation.

Manage payments & extend payment terms

Citi Trade Payables Finance

Gain more time to use your cash (e.g., 60 days) while your suppliers are paid more quickly by the bank (e.g., 10 days).

Usance Letter of Credit (LC)

Structure your import purchases to allow you extended payment terms (e.g., 30, 60, or 90 days) after goods are shipped.

Citi Consolidate℠

Streamline and automate your entire purchase-to-payment process digitally, simplifying document review and payment flows.

Reduce payment or performance risk

Commercial Letter of Credit (LC)

For sellers, receive a bank's promise of payment. For buyers, enable payment to occur upon verifiable proof of shipment, mitigating risk for both parties.

Standby Letter of Credit (SBLC) / Guarantee

Obtain a bank's commitment to pay if a specific contractual obligation (Performance SBLC, ensuring project completion) or financial obligation (Financial SBLC, covering non-payment) is not met, providing a financial safety net.

Credit Insured Accounts Receivables (CIAR)

Finance your receivables with the added protection of credit insurance, reducing your exposure to customer payment defaults.

Finance sales or exports

Export Loans (Pre & Post Shipment)

Obtain funds both before (for production) and after (while awaiting customer payment) shipping goods you've sold internationally, bridging the financial gap in your export cycle.

Export Agency Finance (EAF)

Secure long-term, competitively priced loans for large international sales or projects, leveraging government-backed guarantees from Export Credit Agencies.

Commercial Letter of Credit (LC)

As an exporter, receive a bank's promise of payment, reducing the risk of non-payment from international buyers.

Collections (Documentary Collections)

Utilize banks to facilitate the exchange of shipping documents for payment for your exports, offering a more controlled alternative to open account trading.

Fund large or complex projects / investments

Structured Loans

Access customized, flexible financing solutions for unique, often larger, working capital needs, potentially with longer terms or specialized financial setups.

Export Agency Finance (EAF)

Secure significant, long-term financing (often 10+ years) for major export deals or infrastructure projects, benefiting from competitive terms due to government guarantees.