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Commercial Bank

We help mid-sized companies with revenues starting from $10MM USD address the challenges of rapid growth and international expansion by rationalizing complicated legacy setups or allowing you to avoid them altogether, so that you can scale faster and grow larger.

 If you’d like to learn more, contact us below.

Who We Are

In this short video,Tasnim Ghiawadwala, Global Head of Citi Commercial Bank, Jackie Callaway, CFO of Coats plc, and Emily Watson, Director of Payments and Global Banking at Flywire, talk about how Citi helps mid-sized companies to expand internationally.

Citi Commercial Bank is here to turn banking into an enabler of your progress, rather than an obstacle to your success.

As mid-sized companies develop their businesses and enter new markets, they encounter increasingly complex challenges to their financial flow. Fragmented banking setups across multiple providers will magnify the problems and slow you down. But with the right solutions, you can use banking to improve your efficiency and unlock your full potential.

Citi has 200 years of experience guiding all types of clients from a variety of sectors through this journey, so we can tailor our solutions to address industry-specific nuances, whether you are faced with one, multiple, or all of the challenges listed below.

How We Help

Simplify Incoming Receivables & Reconciliation
Customers are more numerous and more global, and they expect to pay in their preferred currencies and formats, often on credit, leaving you with working capital gaps, the burden of reconciliation, and FX risks
Reduce Reliance on Multiple Providers & Formats
Bank network limitations and country regulations usually require you to establish a web of multiple partners, platforms, and tokens, which in turn requires more time and resources to manage
Improve Visibility & Unlock Trapped Liquidity
As you establish more accounts over time, your cash will become more and more dispersed, potentially across multiple geographies, which leads to difficulties with visibility and currency exposure
Choose the Right Funding for Your Operations
As a growing company, you’ll need access to sustainable funding to keep your operations going, and you have a multitude of options to consider. International business also calls for cross-border financing, which can become complicated
Minimize Payment Costs and Currency Risks
Payments now need to go out more frequently and in new currencies, which means balancing supplier demands vs. expensive wires or multiple currency accounts, adding to the cost of doing business
Untangle Complicated Trade Flows & Documentation
The varying needs between buyers and sellers has the potential to create funding gaps for one or both parties. Trade documentation with payment terms becomes more important, and more plentiful

Where We Help

United States
Asia Pacific
Europe, Middle East & Africa (EMEA)
Latin America and Mexico

Insights

GROWTH & PROSPERITY
Welcome to Citi Commercial Bank
Tasnim Ghiawadwala, Global Head of Citi Commercial Bank, shares her thoughts on how Citi Commercial Bank helps clients to grow their business.
HEALTH & WELLNESS
Optimizing atai Life Sciences’ Banking Structure to Drive Growth
Founded in 2018, atai is a clinical-stage biopharmaceutical company that uses a decentralized business model to accelerate the development of mental health treatments.
RISK & RESILIENCE
Digital companies selling globally: de-risking currency exposures
Many digital companies sell products and services through platforms such as online marketplaces or mobile app stores. These platforms allow digital companies to seamlessly expand to multiple markets and reach customers globally. While this global exposure opens new revenue streams, being international brings with it currency risk, even if it’s not immediately obvious. This article discusses FX risks for digital companies and potential risk management considerations.

GET IN TOUCH

If you’d like to learn more, contact us