Find tailored financing that links your business and personal wealth. You can use a unified platform to access options built around your entrepreneurial goals. This approach keeps liquidity, cash flow, and growth aligned with long-term wealth objectives.

Citi Private Bank combines banking, investment, and management capabilities so your service experience ties strategic borrowing to disciplined investment execution. Specialists craft solutions that reflect your needs and support both enterprise operations and personal wealth preservation.

You also gain access to global wealth tools and the Citi Wealth Investment Lab for portfolio construction, risk management, and analytics. Start by outlining your questions so your team can map a clear path for financing, investment, and ongoing management within one relationship.

Key Takeaways

  • Access a platform that aligns financing with your business and personal wealth goals.
  • Work with specialists who tailor services to your needs and cash timelines.
  • Integrate borrowing, investment, and management for consistent client service.
  • Use institutional tools from citi global wealth and the Wealth Investment Lab.
  • Begin by sharing objectives and questions to create a clear financing plan.

Entrepreneur-focused financing designed around your business, liquidity, and long-term wealth

You need solutions that knit operational cash and long-term investing into one plan. Citi tailors advice to meet your needs across company operations, personal liquidity, and wealth planning.

Tailored strategies that connect your enterprise needs with your personal portfolio

Integrated planning maps your goals to practical steps. Teams align lending and investing so borrowing supports, not disrupts, portfolio exposures.

  • Operational fit: Plan cash flow and products to match business cycles and family priorities.
  • Coordinated lending: Access structures that tie credit lines to your investing horizon and cash timing.
  • Portfolio design: Balance concentration and diversification while keeping liquidity buffers for events.
  • Cross-border management: Professionals adapt strategies and advisory inputs for international client needs.
  • Ongoing review: Regular checkpoints ensure management, investing, and planning remain aligned with goals.

premium-financing-entrepreneurs-citi-private-bank: how strategic borrowing can unlock growth

Strategic borrowing can free capital for growth while keeping your long-term investments intact.

Enhance liquidity and cash flow with portfolio lines of credit or margin lending calibrated to your needs. These tools help you cover timing gaps so you avoid selling core positions during volatile markets.

portfolio lines of credit

Integrate borrowing with wealth planning

Work with your team to manage concentration and idiosyncratic risks. The Citi Wealth Investment Lab supplies analytics that inform leverage, collateral, and sensitivity across cycles.

Use investments to seek growth while mitigating business risk

Evaluate new capital deployment alongside borrowing capacity so your portfolio targets remain intact. Structure lending to fit business milestones and covenant preferences.

Align credit with major events and operating cash

Plan around exits, liquidity events, and cross-border needs so credit and settlement timelines match tax and rebalancing windows. Coordinate lines across your businesses to improve treasury efficiency and maintain disciplined repayment policies.

  • Access: lines that support working capital without disrupting long-term wealth.
  • Management: stress tests and rules that set borrowing thresholds.
  • Solutions: institutional tools to align capital and business needs.

Why Citi: global wealth platform, institutional access, and specialist teams for entrepreneurs

A single global platform gives you streamlined access to underwriting, structured products, and advisory expertise.

Access Citi’s Institutional Client Group for customized credit, distribution, and market capabilities

Tap ICG to pursue tailored bond solutions, customized structured products, and distribution across industry sectors. This group supports issuance, secondary market liquidity, and cross-currency considerations that match entrepreneurial timelines.

Tap CPWM and Citi Private Bank for alternative investments and bespoke advisory

You can access more than 100 alternative products through CPWM and Citigold Private Client. Private equity, real estate, and hedge fund options may include earlier allocations and curated manager selection exclusive to clients.

Leverage the Citi Wealth Investment Lab for portfolio construction and risk analytics

The Wealth Investment Lab turns market data into actionable portfolio choices. Your team and the Lab translate risks into asset allocation, stress tests, and construction guidance you can use immediately.

Benefit from dynamic peer networks, events, and communities to spur opportunities

Clients also gain CIO-driven knowledge via market snapshots, webcasts, and events. These forums and peer networks connect founders, operators, and investors so you can explore new opportunities and practical partnerships.

  • Platform reach: integrated citi global markets and underwriting.
  • Investments: exclusive products and curated manager access.
  • Advisory: coordinated team services that link credit and portfolio execution.

Who it’s for and how you get started with Citi’s private banking and lending services

Start by matching the relationship tier to your wealth and goals so the bank delivers the right mix of advice, lending, and execution.

Eligibility and relationship tiers

Citigold and Citigold Private Client serve individuals and families seeking dedicated teams and elevated services.

Citi Private Bank focuses on ultra-high-net-worth clients and family offices, typically with higher thresholds—many services start around $5 million and family offices often exceed $100 million in AUM.

Connect with your dedicated wealth team

Your relationship team coordinates onboarding, documentation, and account setup. They align lending and liquidity with investment and operational needs.

“Begin with discovery, review a tailored proposal, then set clear touch points for execution and review.”

  • Range: choose the level of services that fits your objectives and complexity.
  • Clients: consult the team on lending structures, liquidity planning, and asset alignment.
  • Access: leverage citi global wealth resources while noting jurisdictional and suitability limits.

Conclusion

Finish your planning with a practical roadmap that links capital needs, investing priorities, and credit capacity. Use coordinated strategies so lending supports growth while protecting long‑term wealth and investment objectives.

Work with your team to match products and solutions across a single platform. Draw on citi global wealth resources, CIO insights, CPWM alternatives, and ICG distribution when appropriate to your profile.

Keep management simple with periodic reviews, clear governance, and reporting dashboards. This helps you align financing, asset allocation, and business goals while managing risk and capital efficiency.

Next step: engage your team to review timelines, funding options, and an implementation plan that fits your needs and client profile.

FAQ

What financing options does Citi offer to support my business liquidity and personal wealth?

Citi provides a range of solutions including portfolio lines of credit, margin lending, bespoke credit facilities, and structured lending tied to your investment portfolio. These options help you manage cash flow, support working capital needs, and unlock liquidity for business growth while aligning with your overall wealth management and investment goals.

How do portfolio lines of credit work, and when should I consider one?

A portfolio line of credit uses eligible investments as collateral to provide flexible borrowing power. You should consider it when you need short-term liquidity for operations, acquisitions, or to bridge cash between events like an exit or a capital raise. It keeps your investment strategy intact while offering immediate access to capital with competitive credit terms.

Can borrowing be integrated with my long-term wealth and tax planning?

Yes. Citi’s teams coordinate lending with wealth planning, tax optimization, and estate strategies. By integrating credit into your financial plan, you can manage concentration risk, preserve family wealth, and optimize timing for liquidity events while maintaining portfolio diversification and tax-efficient outcomes.

What asset types can be used as collateral for lending solutions?

Eligible collateral often includes equities, bonds, mutual funds, and certain alternative investments. Availability depends on your relationship tier and the specific product. Citi’s Wealth Investment Lab and advisory teams review your portfolio to determine which assets qualify and how to structure the credit facility.

How does Citi support cross-border financing and multi-jurisdictional wealth needs?

Citi’s global wealth platform and institutional capabilities enable cross-border credit, custody, and cash management solutions. The bank coordinates local regulatory requirements, foreign exchange services, and tax considerations to provide cohesive financing for international businesses, expatriate clients, and multi-country families.

What risk controls are in place to manage leveraged portfolios and margin lending?

Citi employs risk analytics, regular collateral monitoring, and margin maintenance rules to help protect your portfolio. The Wealth Investment Lab provides scenario analysis, stress testing, and concentration assessments so you can understand downside risks and calibrate leverage to your risk tolerance.

How do you align financing with major events like an exit or acquisition?

Citi designs timing-sensitive solutions to bridge liquidity needs ahead of exits or to finance acquisitions. The bank’s Institutional Client Group can structure tailored credit, distribution, and capital markets capabilities to support deal execution, while advisory teams coordinate post-transaction wealth planning and cash management.

Who will I work with at Citi to structure these solutions?

You work with a dedicated wealth team that may include relationship managers, credit specialists, investment advisors, and tax and estate planners. For complex transactions, Citi brings in Institutional Client Group experts and the Wealth Investment Lab to provide market access, portfolio construction, and risk analytics.

What are the eligibility levels and relationship tiers for accessing these services?

Citi serves a range of clients across Citigold, Citigold Private Client, and Citi Private Bank tiers. Eligibility depends on asset levels, complexity of needs, and the breadth of services required. Your advisor can review tier qualifications and recommend the appropriate platform to match your goals.

How does Citi help entrepreneurs diversify away from concentrated business risk?

The bank combines lending, portfolio management, and alternative investment access to diversify concentrated exposures. Strategies include structured credit to monetize business value, reallocating proceeds into diversified investments, and implementing hedging or tax-aware plans to protect family wealth across generations.

Can I use borrowing to fund investments without selling business equity?

Yes. Using credit secured by your investment portfolio or other eligible assets allows you to access capital while retaining business ownership. That approach can support growth initiatives or personal liquidity needs without triggering a taxable sale or diluting equity.

What fees, interest rates, and covenants should I expect with bespoke credit facilities?

Terms vary based on credit size, collateral quality, and your relationship tier. Expect negotiated interest rates, origination or structuring fees for complex products, and standard covenants like collateral maintenance and reporting. Citi’s credit team outlines terms and works with you to balance cost, flexibility, and risk management.

How does Citi integrate cash management across multiple businesses I own?

Citi leverages global treasury, payments, and cash management platforms to centralize liquidity, optimize working capital, and reduce transaction costs. The bank can set up sweep accounts, intercompany funding, and automated payment solutions to improve operating efficiency and free up capital for investment.

What role do alternative investments and private markets play in these strategies?

Alternative investments can enhance return diversification and access to private market opportunities. Citi Private Wealth Management and Citi Private Bank provide access to private equity, hedge funds, and real assets, which can be combined with tailored lending to balance liquidity needs with long-term growth objectives.

How do I start the process to explore tailored financing with Citi?

Contact your Citigold or Citi Private Bank relationship manager to schedule a consultation. The team will assess your business cash flow, portfolio, and goals, then coordinate credit, investment, and planning specialists to propose a customized solution and implementation plan.