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EXIM Working Capital Loan Guarantees Benefit Exporters and Lenders
June 01, 2021 Jane Lemons, Business Development Specialist, and Luis Noriega, Lender Account Manager

When it comes to growing a successful business, working capital forms the essential building blocks while cash flow remains the lifeblood. The U.S. domestic market provides dynamic opportunities for companies to thrive, but with more than 90 percent of the world’s consumers living beyond U.S. borders, exporting offers an ideal opportunity for small businesses to expand their sales and revenue.

Despite this potential, export markets can present new financial risks and working capital challenges that businesses need to navigate carefully in partnership with their lenders. A key tool to generate success for both exporters and lenders is a Working Capital Loan Guarantee from the Export-Import Bank of the United States (EXIM).

In a recent article published by the ABF Journal, EXIM Lender Account Manager Luis Noriega outlines how a working capital loan guarantee can empower exporters to unlock the cash flow needed to fulfill their sales orders, allowing them to take on new business internationally.

“Through EXIM’s working capital loan guarantees, U.S. exporters can obtain financing from participating lenders when traditional commercial financing is otherwise not available or when borrowing needs are greater than credit standards will allow,” he wrote.

When traditional commercial bank financing is not sufficient to fund a company’s export sales growth, alternative support in the form of EXIM’s working capital loan guarantees may be a viable option. Participating lenders, including those with delegated authority from EXIM, can help companies obtain the liquidity needed to fund their export business activity and grow their international sales, even during tough economic times.

You can read the complete article here. If you’d like to find out how EXIM’s working capital loan guarantee can assist your business as it competes in the global marketplace, schedule a free consultation with an EXIM trade finance specialist.

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EXIM’s Blog postings are intended to highlight various facets of exporting, but the postings are not legal advice, and are not intended to summarize all legal requirements associated with exporting.