Sorry, you need to enable JavaScript to visit this website.
Skip to main content

Trade & Working Capital Solutions

With over 150 years of history and a constant desire to push the boundaries of trade finance arena, Santander CIB is trusted by our clients as a leading player in the industry.

As one of the largest European banks by market capitalisation, we offer innovative trade finance and working capital products backed by decades of expertise and financial stability. Our presence in the US, Latin America, Europe and Asia supports the needs of businesses wherever they are. Santander CIB's long experience and commitment to innovation position us as a global leader in trade finance and working capital solutions. Experience first-hand how our solutions can benefit your business.

image

Our solutions for you

Credit research
Trade & Working Capital Solutions

Receivables finance

Improve your balance sheet and accelerate cash conversion with our automated scalable receivables financing programmes. Innovative solutions with the best user experience and a seamless process.

  • One-stop shop: Manage the receivables of multiple subsidiaries in different countries with a single programme.
  • Seamless process: Our multiple connectivity options, including SAP integration, ensure a simple automated management.
  • All types of receivables: We can finance both B2B and B2C portfolios, whether they are short-term or long-term.
  • Scalability: Our programmes are easy to scale with competitive costs and agile on-boarding.
  • Off-balance sheet treatment: Our programmes have been validated by top auditing firm as a true sale of receivables
  • Multicurrency programmes: Combine our FX solutions with our large pool of funding currencies to maximise the benefits
image
Trade & Working Capital Solutions

Supply chain finance

Suppliers are the lifeblood of any business and building a resilient and flexible supply chain is key to navigating macroeconomic turmoil.

With our comprehensive supply chain finance offering, you can not only extend payment terms and accelerate cash flow but also help your supplier base in achieving their sustainability goals through our embedded ESG offering. Furthermore, with our state-of-the-art multibank platform we ensure a seamless experience and the scale and continuity you need.

B2B2C
Trade & Working Capital Solutions

Structured trade

Ensure access to critical supplies and secure your cross-border activities with our structured trade solutions.

In an ever-changing global economy, the need to be able to adapt quickly to a dynamic environment is paramount. We have developed flexible products that enable you to secure inventory and supply and strengthen your liquidity position.

  • Inventory financing: Build up safety stocks and avoid supply chain disruptions without worsening your working capital. Benefit from tri-party arrangement funded by Santander with a third party inventory specialist, an off balance-sheet solution and no operational disruption while underpinning the supplier relationship. 
  • Prepayments: An innovative financing solution that allows us to finance a specific supplier before they have delivered the goods. Benefits include early access to finance for the supplier, competitive financing due to commercial considerations, and greater likelihood of deferred revenue. 
  • Contract monetisation: Accelerate access to liquidity by monetising long-term contracts and releasing the cash trapped with them. Benefit from the transfer of payment risk to the bank, potentially optimised accounting treatment, the ability to incorporate ESG considerations and the absence of supply chain disruption. 
Macro & Strategy Research
Trade & Working Capital Solutions

Documentary trade

Facilitate cross-border trade with our documentary trade solutions.

Whether you export or import, trading across borders can present significant opportunities and risks. Our experience, network and digital flexibility make Santander the bank of choice to help you transact securely with partners around the world.

A  unique value proposition for your documentary trade needs: 

  • A full range of products: A complete offer of financial, commercial and technical guarantees, performance bonds, advanced payment bonds, letters of credit, SBLCs, etc.
  • Efficiency: A single standard agreement to cover all global needs under the same conditions with a single negotiation managed at global or regional level.
  • Flexibility: Issuance available in +50 currencies through all type of instruments (bid, advanced payment, performance, tax, customs, among many others). 
  • Competitive pricing: Thanks to our efficient capital model, supported by our understanding of guarantees type and client risk profile and strong banking network thatr enables direct issuances.  
  • Extended reach: Outstanding direct issuance capabilities available in our 9 core markets and CIB branches, with extensive correspondent banking access.
Trade & Working Capital Solutions

Alternative financing

  • Delever and get a more beneficial accounting treatment for your funding needs with our trade and working capital solutions.
  • Take advantage of your trade flows to unlock new sources of liquidity, with our prepayments, receivables finance or contract monetisation solutions.
  • Get advise on how our solutions can improve your company’s valuation and reduce your WACC.
  • Optimise bank limits by leveraging on your commercial counterparties.
Cash Management
Trade & Working Capital Solutions

Risk management

  • Do business securely with domestic or international clients and suppliers with our guarantee and LC solutions.
  • Remove counterparty risk with our non-recourse receivables financing programmes.
  • Leverage on the credit rating of your offtakers to get access to better financing conditions thanks to our prepayments.
  • Rely on our trusted advisor capabilities to ensure the continuity of your working capital facilities.
International Financial Institutions
Trade & Working Capital Solutions

Commercial advantages

  • Increase supply chain resilience and avoid disruption with our accounts payable solutions.
  • Secure your strategic sourcing and get better terms from your suppliers with our prepayments.
  • Get the flexibility you need to adapt to your business performance with our evergreen and scalable facilities.
  • Boost your digital sales by offering deferred payment options with our B2B Buy Now Pay Later product.
  • Bring sustainability to your supply chain with our third-party validated ESG solutions.
Credit research
Trade & Working Capital Solutions

Operational efficiencies

  • Benefit from a superior UX with our state-of-the-art digital platforms.
  • Embed our facilities into your ERP for a seamless experience through our partnership with SAP.
  • Centralise your facilities around the world with a single point of entry thanks to our global capabilities.
  • Let us be your fronting bank while we partner with your relationship banks to give you the scalability and capabilities you need without the burden.
Tech 9

Highlights

We've achieved significant results, quantified in impressive numbers, demonstrating our impactful contributions and robust performance.
Suppliers onboarded in our SCF platform
+400k
Invoices settled every day
60k
Payment volume processed
$101 bn
Ongoing receivables finance programs with large corporates
+170
Sellers already discounting their accounts receivables with us across more than 20 countries
+200 sellers

Awards

2024
Global Finance
Best Bank for Treasury and Cash Management in Argentina
2020
TXF
Middle Eastern ECA - Backed finance Deal of the year
2024
Global Finance
Best Corporate Cross-border Payments Solution in Latin America
2024
Global Finance
Best Trade Finance
2022
Global Finance
Best Trade Finance Provider Argentina
2022
RFIX
Supply Chain Finance Provider of the year
2023
TXF
Perfect 10: Asia Deal of the Year
2023
Working Capital Awards
Best Integrated Working Capital project
2024
Latin Finance
Infrastructure Financing of the Year: Latin America
2024
TXF
European Export Finance Deal of the Year
2020
Global Finance
World´s Best Payment Hub Solution for 2020 (Globally)
2021
Latin Finance
Bank of the year: Argentina, Chile, Mexico and Southern Cone
2019
Global Finance
Best Trade Finance Provider in Latam
2021
Global Finance
Best Trade Finance Provider Spain
2024
Euromoney
Argentina Best Bank for Cash Management Products
img

Why choose Santander Corporate & Investment Banking

We offer industry-leading support for global M&A activities, integrating comprehensive financial services through our local teams. With a strong record in Europe and Latin America, we advise on major global deals, combining local expertise with deep sector knowledge to support your transactions effectively.
Leading trade finance bank

We are a global bank with unparalleded knowledge of local markets and state of-the-art technology.

Best service

Our dedicated product, sales and support teams will provide you with a best-in-class service.

Award-winning products

You will have  access to our finest products tailored to your specific requirements.

Cross-border Capabilities
We also have local and global capabilities to cover client requests related to Sustainable Trade and Trade Finance Solutions.

Meet our team

Mencia_Bobo

Mencía Bobo

Global head of Global Transaction Banking

Mencía Bobo is the Global Head of Global Transaction Banking at Santander CIB.

With more than 20 years’ experience in the financial sector, Mencia has held several senior positions in Global Debt Finance (GDF), Structured Finance Risks, and Global Transaction Banking (GTB) since she joined Santander Corporate & Investment Banking in 2006.

Since March 2024, Mencia has been appointed global head of Global Transaction Banking (GTB), being responsible for Cash Management, Trade Finance, Working Capital Solutions and Export Finance. Previously she led the Trade & Working Capital Solutions team globally within GTB, where she consolidated Santander’s global leadership position in Trade Finance.  

Prior to joining Grupo Santander Mencia worked at KPMG as senior auditor.

She holds a degree in Business Administration from the Universidad Pontificia de Comillas (ICADE) and an international Executive Programme from INSEAD (Inter-Alpha Banking). 
 

Find out about other solutions of interest

image

Global Debt Advisory

Our expert advisors assist clients in selecting the optimal capital structure, determining debt capacity aligned with strategic goals, formulating financial policies, and optimizing funding strategies.
Read more

Contact us

Are you looking for tailored banking solutions to take your organization to the next level? We are here to assist you with any inquiries you may have.
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.