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Home > Business > Business Loans > International Trade Financing
International Trade Financing
As economic opportunities become more globalized, more and more companies are seeking to export their products to foreign countries. F&M is experienced in providing customized international trade solutions for its clients.

F&M has partnered with the Export-Import Bank of the United States (EX-IM) to provide Short-term Working Capital lines of credit, Medium-Long Term loans to Foreign buyers, and risk mitigation insurance policies.

F&M issues both export and import letters of credit on a commercial or stand-by basis. We also provide advisory services on letters of credit and help you understand the various terminology of the letter of credit.

Working Capital
Pre-shipment working capital lines of credit allow clients to finance the materials and labor costs to produce capital goods to a specific foreign buyer (or groups of buyers) on a guaranteed basis by EX-IM.

Post-shipment working capital lines of credit provide financing for clients to support foreign accounts receivable. F & M can provide risk mitigation tools to our clients in the form of loan guarantees or receivable insurance which can provide advance rates up to 95% of the account receivable.

Letters of Credit
Export Letters of Credit assist exporters as the method of payment and can reduce their foreign buyer’s credit risk.

Commercial Letters of Credit, most frequently used in international trade for import transactions, facilitates the purchase of sales of merchandise by guaranteeing that the seller will receive payment if the buyer receives the merchandise as specified in the contract.

Standby Letters of Credit, most frequently used in domestic transactions, are issued to secure a customer’s performance or financial obligation to another party. Standby Letters of Credit are not intended to be drawn on, except in the event that the applicant defaults under their obligations to the beneficiary.

Please call us at 918-748-4000 for more info. See Account Rules and Regulations. 		Rewards Checking
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