Changing consumer preferences. Product refreshes. Technology investments. Equipment maintenance and upgrades. These are a few of the challenges that impact businesses in the Food & Beverage sector every day.

With more than $3 billion in aggregate lending commitments across 300+ clients, Citizens’ Food & Beverage team is committed to meeting the unique financial needs of companies across the industry value chain. We provide innovative ideas, tailored financial solutions and a single point of contact to coordinate and deliver our full range of banking services, including:

Capital Markets capabilities providing advice and access to debt and equity capital markets for restructuring, recapitalizations or corporate development.

Commercial Financing to provide financial flexibility for working capital, acquire fixed assets, fund equipment leases and purchases, or furnish growth capital.

• Reserve Based Lending facilities for development financing, or general corporate purposes.

Currency & Interest Rate Risk Management to protect the value of capital against inflation, rising interest rates and fluctuating exchange rates.

• Comprehensive Treasury Management solutions to optimize liquidity and streamline payables.

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Rick DiDonato

Managing Director, Head of Food & Beverage Banking

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