Consumer, Franchise, Food Services & Restaurants

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 providers, we offer a wealth of asset-based options like revolving credit facilities from $20MM to >$1bn, term loans, FILO loans and more. You’ll work with a dedicated asset-based finance specialist to find a tailored solution to reach your goals.

Comprehensive tools, services and global trade resources ready 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.

Managing Liquidity
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 member of our treasury solutions team 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 and time-consuming.

From navigating international trade documentation to managing exchange rate risks, from foreign currency loans to supply chain finance, we offer a comprehensive array of solutions to support your global trade success.

There is inherent interest expense volatility associated with floating rate debt facilities. Companies may look to mitigate the risks deriving from floating rate exposures.

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.

Existing debt hedging
Solutions, such as swaps and other hedge products, can convert variable rate liability to fixed-rate certainty without changing the underlying debt structure.

Restructure existing hedge program
Amend current hedges to appropriately address evolving financing needs and market dynamics.

Future debt hedging
Leverage the current rate environment to mitigate future risk.

Improve control and streamline management of travel expenses. Reduce the time and hassle required to manage and reimburse business travel expenses, while taking greater control over spending. Our Corporate Card allows you to customize restrictions by individual or cardholder group, tailoring guidelines to departmental or employee need. And, you can select the billing, account and reporting options that meet the unique needs of your finance team.

Receive transaction data daily, weekly or monthly to integrate with your expense reporting systems. All this, with industry-leading benefits, for your employees and for you.

Benefits for cardholders

• Acceptance at more than 49 million locations worldwide, including airlines, car rental agencies, hotels and restaurants
• Travel accident and baggage delay insurance
• Primary car rental insurance
• VAT reclaim services for EU purchases
• Cash access at over 1 million ATMs
• 24/7 cardholder support from anywhere

Benefits for companies

• Extensive T&E transaction data for analysis
• Ability to set individual spending, transaction volume and amount limits
• Security enhanced contactless chip and PIN card
• Enhanced Fraud Alerts via e-mail, voice and SMS text messaging
• Choice of cardholder or corporate billing
• Easy monitoring of individual cardholder transactions and history for travel policy adherence
• Allow segregation of charges by merchant type in a diversion billing account
• Use ghost accounts to enable employees without cards to purchase from select vendors such as travel agencies

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. This includes 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.

Your dedicated Relationship Manager and local underwriting teams will work to create the best structure, terms and rates to meet your needs. And our Treasury Management platform, accessOPTIMA®, lets you see all your loan balances and make payments from one convenient interface.

Short-term Financing: Revolvers

• Finance working capital for operations, payroll, inventory, receivables and more
• Match borrowing to your needs
• Pay interest only when drawdowns are made

Long-term Financing: Term Loans

• Fund capital improvements, equipment purchases, and expansion initiatives
• Benefit from fixed or floating-rate options, flexible terms, balloon payments and early repayments with low or no-cost options

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

We take an integrated team approach 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.