Citi® Supplier Finance

Improve Cash Flow and Lower Borrowing Costs

An easy-to-use Web-based solution, Citi^® Supplier Finance is designed specifically to convert your accounts receivables to cash at a low cost.

With Citi Suppler Finance you will be able to access payment details online as soon as an invoice has been approved or materials received, and receive payment in as little as two days on a non-recourse basis.

Improve payment cycles, resulting in better financial ratios

Accelerate cash collection and reduce Days Sales Outstanding, ultimately freeing up borrowing capacity and reducing credit and collection risk

Decrease overall collections costs and streamline account reconciliation with electronic payments for faster access to funds

And you can view, print or download all payment details online and at your convenience - including amount, invoice number and maturity date. It's fast, it's easy... and it's reliable. Start trading on better terms today with Citi^® Supplier Finance

If you are an existing supplier on the program and need assistance, please contact support at higor.ragassiosilva@citi.com.

Overview

Supplier Benefits

Supplier Finance vs. Factoring

Supplier Benefits

Attractive liquidity management tool through the early payment option

Conversion of accounts receivable to cash through attractively priced, non-recourse sale

Frees up borrowing capacity with lenders

Speeds access to funds with electronic payments

Positive cash flow benefits

Increased cash flow, reduced Accounts Receivable and Days Sales Outstanding

Reduced capital costs (e.g., Accounts Receivable carrying costs)

Decreased credit and collection risk

Full payment transparency

Details on approved payments and their timing

Full detail remittance information

Certainty of payment

Ability to receive information and payment in a format that best suits your needs

Over the web - either statement or report format

Supplier Finance vs. Factoring

Supplier Financing

Factoring

Provides cash based upon 100% of invoice value.

Provides less cash for each invoice since cash received is based upon on average 70% to 80% of receivables balance.

Cash received early is not considered debt to the supplier. This frees up supplier's credit limits for other uses if needed. Non-Recourse to suppliers.

Cash received is considered debt on supplier's financial statements and the factoring program typically needs to be disclosed. The debt and disclosure impact credit ratings and consume credit capacity.

Discount/Interest costs could be lower than what supplier could otherwise obtain since the credit risk from supplier financing leverage "Buyers" credit rating.

Interest cost is based upon supplier's credit rating.

More flexibility in receiving cash since Citi Supplier Finance allows cash to be received on a daily basis based upon invoice approval.

Less flexibility with program as cash received is typically on a monthly basis.

Calculate the Benefits

Frequently Asked Questions

Calculate the Benefits

Simply enter the data requested below... we'll do the rest. And once you see the benefits for yourself, click View Details to see just how we worked it out!

What would it cost me to get paid early?

Change the default values for your company's situation.

Currency

Receivables

€

Payment Term

Benchmark Rate (fluctuating rate)

Citibank Spread (fixed annual discount %)

I want my cash in

days

Financing Cost Per Invoice Financed

Your Benefits Under Citi^® Supplier Finance

Savings with Citi versus
your current financing

€

Cash Flow
Acceleration

€

Savings from Receivables Purchase:

The savings from the Citibank service is calculated by comparing your cost to fund your receivables over the payment term to the cost of selling the receivable to Citibank and accelerating your cash receipts.

Cost to fund your receivables without Citibank

	Payment Amount
Multiplied by	Paid on Day
Multiplied by	Your Current Financing Cost
Divided by	Days in Year
Equals	Funding Cost

Cost of receivables sale to Citibank

	Payment Amount
Multiplied by	Days Left in Term
Multiplied by	Annual Interest Rate (Citibank Price)*
Divided by	Days in Year
Equals	Citibank Fee
Plus	Your Current Financing Cost
Net Gain	Difference in Cost

The benefits shown above are for illustrative purposes only. Please contact us for current fees and additional information.

Frequently Asked Questions

or assistance during the onboarding process, please contact higor.ragassiosilva@citi.com

You will receive an email welcoming you to our program and providing you with your user id. Your password will be mailed separately for security reasons.

Please contact the buyer representative you normally do business with to ensure you are properly set up on the buyer side and that payments are due to you.

If you are a sole proprietor, we will need some additional information from you. Please contact your Citibank representative for details.

Our contract will allow you to terminate the service with 30 days written notice.

A Holistic Early Payment & FX Solution

Watch Video

Citi^® Supplier Finance

Improve Cash Flow and Lower Borrowing Costs

An easy-to-use Web-based solution, Citi^® Supplier Finance is designed specifically to convert your accounts receivables to cash at a low cost.

Learn More

Overview

Watch Video

Supplier Benefits

Learn More

Supplier Finance vs. Factoring

Learn More

Calculate the Benefits

With Our Calculator

Frequently Asked Questions

Learn more

Currency

Receivables

Payment Term

Benchmark Rate (fluctuating rate)

Citibank Spread (fixed annual discount %)

I want my cash in

Financing Cost Per Invoice Financed

Your Benefits Under Citi^® Supplier Finance

Savings with Citi versus
your current financing

Cash Flow
Acceleration

Savings from Receivables Purchase:

A Holistic Early Payment & FX Solution

Watch Video

Improve Cash Flow and Lower Borrowing Costs

An easy-to-use Web-based solution, Citi® Supplier Finance is designed specifically to convert your accounts receivables to cash at a low cost.

Learn More

Overview

Watch Video

Supplier Benefits

Learn More

Supplier Finance vs. Factoring

Learn More

Calculate the Benefits

With Our Calculator

Frequently Asked Questions

Learn more

Savings with Citi versus your current financing

Cash Flow Acceleration

A Holistic Early Payment & FX Solution

Watch Video

An easy-to-use Web-based solution, Citi^® Supplier Finance is designed specifically to convert your accounts receivables to cash at a low cost.

Savings with Citi versus
your current financing

Cash Flow
Acceleration