Think RMB.

Trade and Working Capital

RMB’s Trade and Working Capital team helps our clients navigate international trade waters and mitigate risk while optimising their cash flow with innovative solutions. Our ability to identify, anticipate and respond to client, market and regulatory demands gives our clients peace of mind when dealing cross-border.

Trade Finance

RMB’s documentary credit and structured solutions are designed to assist clients’ business growth through comprehensive, targeted trade financing and risk mitigation techniques including:

  • Structured trade (escrow, distribution, structured finance, structured liabilities)
  • Traditional trade (documentary credits, guarantees, foreign bills)
  • Discounting and refinancing of documentary credits
  • Risk participations

Structured Lending

Our team designs bespoke services to enhance our clients’ working capital position to unlock the value in their inventory, debtors and creditors, and to optimise their balance sheet.

RMB’s financing of SAFEX deliverable commodities allows for the seamless provision of liquidity facilities while our metal financing capabilities (particularly in the gold sector) are unmatched in the local market.

Clients can use our Structured Lending facility to finance their working capital cycle (whether covering the import/export leg, or both) for:

  • Raw material purchases
  • Finished goods
  • Funding of debtors
  • Work in progress (in some cases)
  • Providing liquidity to creditors

We tailor bespoke financing solutions to our clients’ specific working capital requirements through:

  • Borrowing base structures
  • Receivables purchase structures
  • Collateral management structures
  • On or off balance sheet financing
  • Supply chain finance
  • Metals financing
  • Agricultural financing through SAFEX

General Banking Facilities

We offer call and term loans through our Money Market Customer Dealing Desk and corporate clients can draw on overdraft through the Online Banking EnterpriseTM platform. Short-term foreign currency funding is provided through Customer Foreign Currency (CFC) accounts which clients can draw upon overnight. Foreign currency term loans of up to 18 months can be negotiated through our Customer Dealing Desk.

Solutions include:

  • Money Market Overnight and Term Loans
  • Overdrafts
  • Foreign Currency Term Loans
  • Client Foreign Currency (CFC) Accounts

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