Your business can unlock working capital and long-term value when you pair with an expert partner. Santander offers deep capital resources and tailored services to help you convert assets into liquidity.

You get flexible structures for inventory and receivables, plus options that cover seasonality, growth, acquisitions, and real estate funding. The team blends focused execution and global reach so you can move quickly when opportunities arise.

Expect personalized attention that aligns terms with your cash flow and operating model. Clear guidance on underwriting and application steps helps you see the process from start to finish.

This approach gives you access to scale, disciplined lending, and the expertise to support evolving priorities without losing momentum.

Key Takeaways

  • Leverage assets to gain liquidity and long-term value.
  • Access facilities sized to support growth, recapitalization, and real estate.
  • Flexible financing covers inventory, receivables, and seasonal needs.
  • Personalized execution with global reach and experienced teams.
  • Transparent underwriting and clear application guidance.

Unlock tailored financing to build long-term value

A private partner can design credit solutions that match your cash cycle and investment timetable.

Why choose a private banking partner with deep lending expertise

You work with specialists who align structure and terms to how you operate. That means faster decisions, clearer covenants, and fewer surprises for your team.

Access to extensive capital resources for facilities up to $250M

When transactions are complex, you need a provider with scale. The bank can fund facilities up to $250M so you can secure the right form of finance at the right time.

Global reach with seamless platforms as your needs evolve

As your footprint expands, you gain cross-border support, foreign collateral handling, and multi-jurisdiction structures. You can add working capital, trade finance, or property solutions without changing providers.

  • Direct access to decision-makers and specialized services that streamline diligence and closing.
  • Rigorous credit processes that balance speed and prudence across business cycles.
  • Ongoing service model focused on clarity, reporting, and execution so your project moves from term sheet to funding.

asset-financing-santander-private-banking: solutions designed around your assets and goals

Convert your company’s physical and ledgered assets into flexible capital that moves with demand.

Flexible asset-based lending: inventory and receivables financing

Monetize inventory and receivables to stabilize cash flow through seasonal swings and concentration risks. Advance rates and borrowing bases are aligned to your collateral mix so availability grows with your assets.

Private Debt access via the Santander network: trade finance and working capital

Tap Trade Finance and Working Capital solutions that finance global supply chains in EUR and USD. These strategies aim for stable, uncorrelated returns while funding short-term flows across Latin America and Europe.

Bespoke and international mortgages structured to your profile

Get tailored mortgage terms with competitive pricing. Local underwriting teams and global property specialists help you navigate cross-border rules and documentation.

Direct lending and equipment-backed finance to support capital investments

  • Spread equipment costs over useful life with equipment-backed finance tied to productivity gains.
  • Use direct lending for modernization, recapitalizations, acquisitions, and real estate funding.
  • Work with a single team that coordinates multiple solutions and the wider market context.

Who it’s for: industry expertise and real-world use cases

Companies across sectors tap tailored credit structures to smooth cash flow and fund strategic moves.

Wholesale and retail, manufacturing, food and beverage, transportation and logistics

You can apply these services to wholesale and retail firms that rely on fast inventory turns and receivables cycles. Borrowing bases help you smooth cash flow and fund growth.

Manufacturing clients get working capital facilities that flex with production schedules. You can also fund capital expenditures and real estate for plant upgrades.

For food and beverage producers, wholesalers, and distributors, solutions cover inventory, receivables, equipment, and property across diverse market channels.

Transportation and logistics businesses can finance fleets and warehouse assets while managing seasonal shipment volumes and concentration limits.

Practical use cases

  • Handle seasonality and cyclical demand during peak purchasing or slower receivables periods.
  • Mitigate customer or supplier concentrations with tailored covenants and structures.
  • Execute acquisitions, recapitalizations, and real estate funding with aligned capital and post-close support.
  • Scale solutions for a broad range of company sizes and cross-border clients who need coordinated collateral and servicing.

How we work with you: credit, risk, and ongoing support

You’ll see a fast, transparent intake that focuses on the facts needed for a timely credit decision.

From application to execution: underwriting standards, personalized attention, and ongoing client support

Start. You begin with a streamlined application led by a dedicated team that explains required documents, timeline, and next steps.

Underwriting. Established standards assess collateral quality, cash flow coverage, leverage metrics, and covenant fit to your business.

credit risk support

  • Clear term sheets that define structure, pricing, advance rates, reporting, and covenants.
  • Robust risk management with periodic reviews, borrowing base monitoring, and collateral audits.
  • Consistent relationship coverage for availability adjustments, additional facilities, or term changes.
  • Experienced team coordination across trade finance, direct lending, and property solutions for smooth execution.

Communication. You are kept informed at every stage—application, underwriting, approval, documentation, and funding—so your teams can plan with confidence.

Financing is available to qualified applicants only. A signed and completed application must be received before a credit decision can be rendered. Final documentation supersedes any contrary statements.

Ongoing support. After funding, expect proactive servicing and performance check-ins designed to optimize the facility over its life.

Conclusion

Secure access to capital and structured lending that supports both day-to-day operations and strategic moves.

Choose a partner that unifies your finance strategy with tailored solutions across markets. You gain lending and financing options that span asset-backed lines, trade finance in EUR and USD, direct lending, and bespoke mortgages. These services scale with your business and help preserve balance-sheet flexibility.

Benefit from institutional resources — including facilities up to $250M — plus local underwriting and ongoing support. You can align investment planning and insurance considerations so your financing and risk strategies work together.

Note: This is informational and not an offer. Financing is subject to application, underwriting, and final documentation.

FAQ

What financing solutions can help you build long-term wealth through Santander Private Banking?

Santander Private Banking offers tailored lending and finance solutions designed to protect and grow your net worth. You can access secured lending, bespoke mortgages, equipment-backed loans, and trade finance that match your investment profile and long-term objectives. The team aligns credit terms with your risk tolerance and capital needs to support strategic investments and portfolio diversification.

Why partner with a private banking lender that has deep lending expertise?

You benefit from specialist credit teams who understand complex asset classes and market cycles. That expertise helps structure financing to preserve liquidity, optimize tax and balance-sheet outcomes, and reduce refinancing risk. Advisors also coordinate with investment and insurance specialists to deliver integrated solutions tailored to your goals.

What size of facilities can you access through Santander’s capital resources?

You can obtain facilities scaled to significant needs, including bulk financing arrangements up to 0M where appropriate. Capital allocation considers your balance sheet, collateral quality, and sector dynamics. The bank’s funding capacity enables larger, multi-jurisdictional structures for acquisitions, recapitalizations, or growth capital.

How does the bank’s global reach support changing needs?

Santander provides a seamless platform across markets, allowing you to deploy financing internationally as opportunities arise. Local teams coordinate documentation and regulatory compliance while centralized credit oversight ensures consistency. This global reach simplifies cross-border lending and multi-currency structures.

What is flexible asset-based lending and when should you consider it?

Flexible asset-based lending uses inventory, receivables, or other eligible assets as collateral to unlock working capital. You should consider it when seasonality, receivable concentrations, or rapid growth create funding gaps. These facilities scale with your business cycles and often provide faster access to cash than unsecured options.

How can private debt and trade finance from the Santander network support your operations?

Private debt solutions and trade finance provide working capital for purchases, international trade, and supplier payment programs. They reduce payment risk, improve supplier terms, and free up balance sheet capacity. The network’s distribution enables tailored tenor, currency, and structuring to match transaction needs.

Are bespoke and international mortgages available for high-net-worth individuals?

Yes. You can receive customized mortgage solutions for domestic or international properties, structured to reflect income, residency, and tax considerations. Lending teams assess property type and jurisdiction to set competitive terms while managing regulatory and currency risks.

What types of direct lending and equipment finance does the bank provide?

The bank offers direct lending for acquisitions and growth capital, plus equipment-backed loans and leases to support capital expenditures. Financing can cover machinery, fleet, and technology investments, preserving your cash flow while enabling business expansion.

Which industries does Santander cover with its lending expertise?

Coverage includes wholesale and retail distribution, manufacturing, food and beverage, transportation and logistics, and other commercial sectors. Industry teams bring sector-specific underwriting experience to address working capital cycles, concentration risks, and operational needs.

Can you get financing for seasonality, acquisitions, or recapitalizations?

Yes. The bank structures solutions for seasonality and inventory swings, acquisition financing, and recapitalizations. Facilities can include revolving lines, term loans, and tailored amortization schedules to align with cash flow patterns and strategic timelines.

How does the underwriting process work from application to execution?

You start with a tailored credit review where advisors assess assets, cash flow, and strategic objectives. Underwriting follows with risk analysis, collateral valuation, and covenant design. Once approved, documentation and drawdown are coordinated by an implementation team to ensure timely execution and client support.

What ongoing support will you receive after the loan closes?

Post-closing, you receive ongoing account management, reporting, and periodic reviews to adapt terms as your needs evolve. The relationship team monitors performance, helps manage compliance, and can reprice or extend facilities when justified by changing circumstances.