Healthcare

Everyday working capital. Long-term financing to fund growth. Seasonal inventory. Technology upgrades. Specialty financing. Whatever your needs, we’ll work closely with you to structure flexible financial solutions.

Short-term financing options enable your company to borrow working capital for operations, payroll and more. Long-term loans can fund capital improvements and expansion initiatives. Either way, we'll work with you to evaluate your financing options and support your long-term success.

As one of the nation’s leading asset-based financing (ABF) providers, we offer a wealth of asset-based options like revolving credit facilities from $20MM to over $1bn, term loans, FILO loans and more. You’ll work with a dedicated ABF specialist to find a tailored solution to reach your goals.

Underwritings focus on the value of the borrower’s assets as well as its cash flow, allowing asset-based transactions to be structured with less restrictive covenant packages than traditional commercial loans. This structure makes asset-based financing attractive to companies with rapid growth, inconsistent earnings, seasonality and cyclicality. Citizens specializes in lending to retailers, manufacturers, wholesalers, staffing, distribution and logistics companies. Work with an experienced ABF Specialist who will take the time to understand your business objectives to structure a solution that’s right for you.

Protect financial results from exchange rate, interest rate and commodity price volatility through risk management strategies.

Commodity Solutions
Focused on natural gas, crude oil, refined fuels, and Natural Gas Liquids (NGLs), our specialists will help you structure and execute customized hedging solutions to manage your exposure to commodity price risks.

Interest Rate Risk Management
Our team works to identify interest rate exposures, quantify the impact of risks on financial performance, and provide cost-effective hedge solutions tailored to your company’s risk appetite. With years of experience, our derivatives specialists can help identify your interest rate exposure and structure tailored solutions based on company objectives and risk appetite. We work with you to customize strategies and solutions to mitigate the risk of interest rate uncertainty and efficiently manage funding costs.

Foreign Exchange Risk Management
As your company grows and expands internationally, changes in foreign exchange rates will impact your cash flow and financial results. Citizens Foreign Exchange Desk can help you mitigate the impact of exchange rate volatility on your company's performance.

We offer comprehensive tools, services and global trade resources to help you accelerate productivity and growth.

Fraud Protection
From mitigating unauthorized transactions to cybercrime prevention, securing corporate financial assets and information is a critical priority for all companies. Our wide range of solutions and insights can help detect and protect against fraud.

Liquidity Management
Managing liquidity is key to a strong balance sheet, ensuring that cash is on hand to cover all your payment needs while maximizing earnings. But moving money constantly to make sure you have the right level of working capital can be time consuming. A Treasury Solutions Specialist can help you in designing and implementing liquidity management solutions that deliver efficiency for your money and your time.

Global Trade Finance
Global markets offer growth and profit opportunities, but managing commercial, market and currency risks can be challenging. We have a comprehensive array of solutions that support your global trade success, like navigating international trade documentation, managing exchange rate risks, foreign currency loans, supply chain finance and more.

Our capital markets professionals apply decades of experience in debt and equity capital markets to partner with you on your capital-raising objectives. Our strategic approach helps clients fund growth initiatives through acquisitions, capital expenditures and recapitalizations. Our teams are organized by industry to better serve our clients in the sectors where they operate. This lets us provide relevant solutions to each client’s unique needs.

As a top-tier provider of debt capital markets services, we offer syndicated loan origination, structuring and distribution services to support our clients, including fully underwritten and best-efforts financings, secured and unsecured bank debt, junior capital, asset-based loans, fixed income and more. Our expertise and the results we’ve delivered for hundreds of middle market and large corporate clients have propelled us to leadership positions in the Refinitiv LCDs Middle Market and Leveraged Loan League Tables.

Citizens M&A Advisory combines sector intelligence, senior-level attention and a collaborative approach to achieve extraordinary outcomes.

We work as an integrated team across our network, bringing together the ideal combination of product and industry experts for your specific situation. Our sector intelligence and relationships provide clients with a truly global network of resources and buyers. Above all, we take pride in providing unbiased, thoughtful advice and diligent execution to achieve your desired outcomes.

Whether protecting your business, developing a succession plan or rewarding and retaining key employees, our advisors can tailor a strategy that fits your business needs. We focus on what’s most important to you to help you craft a personalized financial plan — no matter where you are on your financial journey. With dedicated wealth advisors ready to develop your customized financial plan to help you reach your goals, flexible advice and varied ways to work with us (in-person, online, over the phone), and comprehensive strategies for wealth management, we’re here to help. We offer unique solutions for succession planning and wealth preservation, including:

• Gift and Estate Tax Planning
• FLP and LLC Discount Studies
• Restricted Stock and Blockage Discount
• Strategic Alternatives
• Charitable Contributions

In the ever-evolving healthcare sector, equipment financing offers a flexible way to manage costs while acquiring the state-of-the-art equipment and technology needed to effectively serve patients.

Our tenured team has an average of more than 20 years’ experience across essential-use asset classes and knowledge in key asset industries. Our expertise coupled with a consultative approach enables us to deliver the right solutions to support your unique equipment financing needs. By leveraging our syndication capabilities we are able to meet a client’s financing need regardless of size or complexity. Led by an experienced team of syndicators, we diversify a client’s capital providers through our network of funding sources, including non-bank investors, while retaining continuity and all relationship advantages of working only with Citizens Asset Finance.