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Ex-Im Bank Programs

California Bank & Trust participates in government-sponsored credit support programs, which can help you extend your global reach. These programs include:

Ex-Im Bank Working Capital Guarantee Program

Exporters often need access to working capital to begin exporting or expand internationally. As an Ex-Im Bank (Export-Import Bank of the United States) designated Delegated Authority lender, California Bank & Trust can approve working capital guarantee loans to help you fulfill your export orders of goods or services.  Ex-Im Bank provides a 90% guarantee on working capital loans made by lenders.

Ex-Im Bank’s pre-export and post-export working capital financing is suitable for manufacturers, wholesalers and distributors. Our experienced International Trade Finance specialists can help qualify your loan and get it approved internally.  

Use of Proceeds:

  • Purchases of inventory (raw materials, work in progress and finished goods) 
  • Pay for costs (related to design, engineering, labor and overhead) to manufacture goods or services for export
  • Finance foreign accounts receivables
  • Cover Standby Letters of Credit used as payment guarantees, bid or performance bonds
  • Cover Standby Letters of Credit used as warranty bonds

Ex-Im Bank Medium Term Loan Guarantee Program  

The medium term loan program provides your foreign buyers of U.S. capital goods and services with extended credit terms. The Ex-Im Bank assists foreign buyers by guaranteeing term loans made through commercial lenders such as California Bank & Trust.

Benefits to U.S. Exporters:

  • Allows foreign buyers to receive financing to purchase your U.S. capital goods or services
  • Reduces your non-payment risk to emerging market buyers
  • Secures longer-term financing to foreign buyers, allowing you to compete in international markets
  • Increases your cash flow and export sales

Benefits to Foreign Buyers:

  • Access to financing from U.S. commercial lenders at more attractive interest rates than in local markets
  • Financing that can generally extend up to five years  (or seven years in certain cases)
  • Acquiring financing under favorable conditions not normally available  

Please contact an International Trade Finance Specialist for more information about our International Banking Services.