Wholesale Industry Solutions
Financial solutions for growth and efficiency
Solutions for the Wholesale Trade Industry
Growth in the wholesale trade industry requires financial clarity and nimble decision-making. At Trust Standard Bank, you can rely on our experience in helping businesses in wholesale find solutions to your unique operational challenges and competitive pressures.
Streamlined Access To Capital
Streamlined Access To Capital
Quickly access funding solutions to grow your operation on the ground.
How You Benefit
- Faster, local lending decisions
- Support from a multi-faceted deal team with deep, specific skill sets
What We Offer
- Working Capital Financing – funding for new expansion, equipment, vehicles, etc. to help improve your business
- Acquisition Financing – funding to help expand geographically, add capacity to existing operations, expand internationally, remove competitive threats, etc.
- Owner-Occupied Real Estate Lending – short- or long-term funding for commercial real estate investments and projects
- Equipment Financing– loans and lines designed specifically for investments in new equipment and equipment upgrades
- Business Equipment Leasing – improve cash flow and protect yourself from obsolete technology by leasing your equipment
Greater Financial Visibility and Control
Greater Financial Visibility and Control
We have a full suite of treasury management tools designed specifically to help your business improve its view of the full cash cycle – from receivables and incoming cash to vendor payments and outgoing cash.
How You Benefit
- Real-time control over cash cycle to manage revenue fluctuation
- Back office efficiency that creates cost savings
- 24/7 monitoring and controls to mitigate fraud
What We Offer
- ACH – quickly concentrate customer and vendor receivables into one cash pool
- Remote Deposit Capture – deposit checks electronically, without a trip to the bank
- Account Reconciliation – flexible, automated systems to aid in the reconciliation of checks issued and deposits made to your high volume business accounts.
- Business Banking Online and Wire Transfer – provides your business with a fast, highly secure transfer system for moving funds to and from accounts at other banks.
- Business Bill Pay – pay bills and simplify accounts payable with 24/7 access online or on the go
- Check Positive Pay and ACH Positive Pay – help combat check and ACH fraud and forgery by matching the detail presented for payment against authorized payments
- Purchasing Card – a payment card for business expenditures with spending limits and controls that can be customized to your company’s needs
International Solutions and Expertise
International Solutions and Expertise
We deliver support that drives efficiency throughout international transactions while helping you navigate regulatory frameworks.
How You Benefit
- Enable international credit risk mitigation
- Streamline cash flow across borders
- Focus on foreign exchange strategy
What We Offer
- Letters of Credit – ensure payment, payment terms and quality of goods to your sellers through standby and import letters of credit
- Documentary Collection – enable foreign transactions through presentment and collection of import documentation such as invoices, packing lists, and bills of lading
- Foreign Currency Hedging – mitigate foreign exchange depreciation risk through hedge lending
- International Wire – make and receive payments from vendors and other international business partners outside the U.S.
- Foreign Check Clearing – get foreign checks cleared to ensure you have funds needed to continue day-to-day operations
- Travel Money – make sure you have the funds you need when travelling internationally and conversion back to USD when you return
The Trust Standard Bank Advantage
Working with Trust Standard Bank offers your wholesale business several distinct advantages:
- A broad range of lending services to meet supply and demand side needs
- A comprehensive, end-to-end approach to cash cycle management
- A proven Treasury Management service model
- An experienced team with hands-on wholesale industry knowledge
- The strength and stability of a trusted financial institution that has served customers for more than 150 years
