Trade & Working Capital Solutions

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

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.

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. 

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.