Overview

Old National Bank’s Trade Finance solution is designed for importers, exporters, distributors and manufacturers who require dependable, flexible and cost-effective instruments to grow cross-border and domestic trade. Combining decades of industry knowledge with modern digital tools, our trade finance offering reduces payment risk, improves cash flow, supports supply chain resilience and enables businesses to seize new market opportunities with confidence.

Core Products and Services

• Letters of Credit (LCs): Documentary and standby letters of credit to secure transactions between buyers and sellers, protect payment obligations and provide certainty for contract performance.
• Documentary Collections: Managed collections for documentary drafts and bills of exchange, balanced between cost efficiency and control of documents against payment or acceptance.
• Trade Guarantees and Bonds: Performance bonds, bid bonds and advance payment guarantees to support contract execution and participation in tenders.
• Supply Chain Finance (Reverse Factoring): Programs that optimize working capital by allowing suppliers to receive accelerated payment on approved invoices while buyers extend payment terms.
• Export and Import Financing: Pre-shipment and post-shipment finance, including export working capital, purchase order financing and import loans to bridge cash flow gaps.
• Forfaiting and Receivables Discounting: Non-recourse sale of medium-to-long term receivables to convert future payments into immediate liquidity.
• Foreign Exchange and Hedging Solutions: Spot, forward and structured FX instruments to manage currency exposure inherent in international trade.
• Document Checking and Advisory: Expert examination of commercial documents to ensure compliance with letter of credit terms and mitigate the risk of discrepant presentations.

Key Benefits

• Risk Mitigation: Reduce counterparty risk and payment uncertainty with instruments that protect sellers and reassure buyers.
• Improved Liquidity: Accelerate cash conversion cycles through receivables discounting, forfaiting and supply chain finance, freeing capital for growth.
• Operational Efficiency: Streamline trade processes with digitized document flows, centralized management and a single bank interface for multi-product solutions.
• Competitive Edge: Offer extended, secure payment terms to customers, support competitive bidding and enable participation in larger contracts.
• Regulatory Compliance: Solutions structured to meet local and international regulatory requirements, with robust KYC and AML controls integrated into trade operations.
• Customized Structures: Flexible collateral and pricing arrangements tailored to industry cycles, seasonal needs and credit profiles.

How It Works — Simple, Clear, Fast

1. Initial Assessment: Our trade specialists review transaction details, risk profile and financing needs to recommend the optimal combination of instruments.
2. Structure & Documentation: We prepare the required agreements, draft letters of credit, guarantees and financing documents with clear timelines and responsibilities.
3. Execution & Monitoring: As goods move and documents are presented, Old National Bank provides professional document checking, payment execution and monitoring until maturity.
4. Settlement & Reporting: Funds are disbursed, receivables managed and comprehensive reporting provided to support treasury, accounting and audit functions.

Industry Expertise

Old National Bank serves a broad range of sectors including manufacturing, agribusiness, energy, chemicals, technology, automotive, and consumer goods. Our relationship managers and trade specialists combine product expertise with sector knowledge to structure trade solutions that match commercial realities, seasonal cycles and international regulations.

Digital Trade Capabilities

We offer a secure online trade platform that simplifies the management of letters of credit, guarantees and collections. Clients benefit from real-time status updates, electronic document uploads, digital signatures where permitted and consolidated reporting. Our digital approach reduces administrative burden, shortens cycle times and creates transparency across the entire trade lifecycle.

Compliance and Risk Controls

Compliance is integral to every trade transaction. Old National Bank employs robust Know Your Customer and Anti-Money Laundering procedures, sanctions screening and regulatory oversight. Our teams guide clients through documentary compliance, letters of credit rules and country risk assessments to ensure transactions are structured within accepted legal and commercial frameworks.

Sustainable Trade & ESG Financing

We support sustainability-focused trade by offering green trade finance options, preferential terms for transactions that meet environmental and social criteria and advisory services to help clients align supply chains with ESG objectives. These solutions help businesses reduce their environmental footprint and access new market opportunities driven by sustainability standards.

Who Should Choose Old National Bank Trade Finance?

Our trade finance services are ideal for:

• Exporters seeking secure, timely payment and working capital support.
• Importers requiring letters of credit, guarantees or structured import financing.
• Buyers and sellers in global supply chains aiming to optimize working capital.
• Companies participating in international tenders that require performance security.
• Businesses pursuing new markets that need currency and political risk mitigation.

Why Old National Bank?

We combine personalized service, deep trade expertise and modern digital infrastructure. Our approach is consultative: we listen to commercial goals, map risk, and deliver tailored trade finance structures that balance cost, speed and security. With a commitment to operational excellence and client success, Old National Bank stands as a trusted partner in every stage of international and domestic trade.